Monzo vs N26
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | N26 |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.0 / 5 |
| Ideal para | Everyday UK banking and budgeting | Everyday banking in the Eurozone |
| Comisión mensual | Free → Plus/Premium plans | Free → €16.90/mo (Metal) |
| Tipo de cambio | Mastercard rate, no Monzo markup | Mid-market on card payments |
| Enviar / recibir | Free UK transfers | Free SEPA transfers in EUR |
| Retiradas | Free in UK; overseas cap then fee on free plan | Limited free EUR; foreign ATM fee on free plan |
| Tarjeta | Yes — debit Mastercard | Yes — debit Mastercard; stainless on Metal |
| Disponibilidad | UK (US in rollout) | ~24 European markets |
| Divisas | GBP (spends abroad at Mastercard rate) | EUR account; spends worldwide at mid-market |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | BaFin / German full banking licence (ECB) |
| Fundación | 2015 | 2013 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
N26
N26 is a Berlin-based mobile bank with a full German banking licence and €100,000 deposit protection, offering a polished app and fee-free card spending at the mid-market rate. It is EUR-centric and limited to around two dozen European markets, so it is not a true multi-currency account. Best for clean everyday banking within the Eurozone.
Pros
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Contras
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 4.0, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.