Monzo vs Monese
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Monese |
|---|---|---|
| Оценка | 4.4 / 5 | 3.2 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Opening an account without local credit history |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free plan; paid plans available |
| Курс обмена | Mastercard rate, no Monzo markup | FX fee on free plan; lower on paid |
| Отправка / получение | Free UK transfers | Free Monese-to-Monese |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Monthly free cap, then fee |
| Карта | Yes — debit Mastercard | Yes — debit card |
| Доступность | UK (US in rollout) | UK + EEA |
| Валюты | GBP (spends abroad at Mastercard rate) | GBP, EUR, RON (hold others) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; EEA e-money via partners |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- 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.
Плюсы
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Минусы
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.2 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.