Monzo vs Monese
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Monzo | Monese |
|---|---|---|
| Punteggio | 4.4 / 5 | 3.2 / 5 |
| Ideale per | Everyday UK banking and budgeting | Opening an account without local credit history |
| Canone mensile | Free → Plus/Premium plans | Free plan; paid plans available |
| Tasso di cambio | Mastercard rate, no Monzo markup | FX fee on free plan; lower on paid |
| Invia / ricevi | Free UK transfers | Free Monese-to-Monese |
| Prelievi | Free in UK; overseas cap then fee on free plan | Monthly free cap, then fee |
| Carta | Yes — debit Mastercard | Yes — debit card |
| Disponibilità | UK (US in rollout) | UK + EEA |
| Valute | GBP (spends abroad at Mastercard rate) | GBP, EUR, RON (hold others) |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; EEA e-money via partners |
| Fondata | 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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- 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.
Pro
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Contro
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
In conclusione
Nel complesso, Monzo ha la meglio con un punteggio di 4.4 contro 3.2 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.