Monzo vs Monese
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Monese |
|---|---|---|
| Note | 4.4 / 5 | 3.2 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Opening an account without local credit history |
| Frais mensuels | Free → Plus/Premium plans | Free plan; paid plans available |
| Taux de change | Mastercard rate, no Monzo markup | FX fee on free plan; lower on paid |
| Envoyer / recevoir | Free UK transfers | Free Monese-to-Monese |
| Retraits | Free in UK; overseas cap then fee on free plan | Monthly free cap, then fee |
| Carte | Yes — debit Mastercard | Yes — debit card |
| Disponibilité | UK (US in rollout) | UK + EEA |
| Devises | GBP (spends abroad at Mastercard rate) | GBP, EUR, RON (hold others) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; EEA e-money via partners |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- 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.
Avantages
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Inconvénients
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.2 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.