Monzo vs Monese
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | Monese |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.2 / 5 |
| Ideal para | Everyday UK banking and budgeting | Opening an account without local credit history |
| Comisión mensual | Free → Plus/Premium plans | Free plan; paid plans available |
| Tipo de cambio | Mastercard rate, no Monzo markup | FX fee on free plan; lower on paid |
| Enviar / recibir | Free UK transfers | Free Monese-to-Monese |
| Retiradas | Free in UK; overseas cap then fee on free plan | Monthly free cap, then fee |
| Tarjeta | Yes — debit Mastercard | Yes — debit card |
| Disponibilidad | UK (US in rollout) | UK + EEA |
| Divisas | GBP (spends abroad at Mastercard rate) | GBP, EUR, RON (hold others) |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; EEA e-money via partners |
| Fundación | 2015 | 2015 |
Monzo
Monzo is a fully licensed UK app bank with FSCS-protected deposits, best known for its budgeting tools (Pots, spending categories) and fee-free card spending abroad at the Mastercard rate. It is one of the most polished everyday banking apps in the UK, with overseas ATM limits and premium perks reserved for paid tiers.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Pros
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Contras
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 3.2, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.