Monzo vs MuchBetter
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | MuchBetter |
|---|---|---|
| Оценка | 4.4 / 5 | 3.7 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Mobile deposits & withdrawals |
| Ежемесячная комиссия | Free → Plus/Premium plans | No standard monthly fee |
| Курс обмена | Mastercard rate, no Monzo markup | ~0.99% on major currencies |
| Отправка / получение | Free UK transfers | Free P2P; free SEPA/bank top-ups |
| Выводы средств | Free in UK; overseas cap then fee on free plan | ~2% to bank; ~0.99% ATM |
| Карта | Yes — debit Mastercard | Yes — Mastercard plus contactless wearables |
| Доступность | UK (US in rollout) | Most countries (excl. US) |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple major currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (e-money institution) |
| Основан | 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.
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
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.
Плюсы
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Минусы
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.7 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.