Monzo vs MuchBetter
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | MuchBetter |
|---|---|---|
| Note | 4.4 / 5 | 3.7 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Mobile deposits & withdrawals |
| Frais mensuels | Free → Plus/Premium plans | No standard monthly fee |
| Taux de change | Mastercard rate, no Monzo markup | ~0.99% on major currencies |
| Envoyer / recevoir | Free UK transfers | Free P2P; free SEPA/bank top-ups |
| Retraits | Free in UK; overseas cap then fee on free plan | ~2% to bank; ~0.99% ATM |
| Carte | Yes — debit Mastercard | Yes — Mastercard plus contactless wearables |
| Disponibilité | UK (US in rollout) | Most countries (excl. US) |
| Devises | GBP (spends abroad at Mastercard rate) | Multiple major currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (e-money institution) |
| Création | 2015 | 2017 |
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
MuchBetter
MuchBetter is an FCA-regulated, mobile-first e-wallet built around fast mobile deposits and withdrawals, with a slick app, low ~0.99% FX and novel contactless wearables. Free SEPA top-ups and P2P keep costs down, though card-funding fees can climb toward 5% in some markets and it is unavailable in the US. A strong pick for mobile-centric users.
Avantages
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Inconvénients
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.