Monzo vs N26
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | N26 |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Everyday banking in the Eurozone |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free → €16.90/mo (Metal) |
| Курс обмена | Mastercard rate, no Monzo markup | Mid-market on card payments |
| Отправка / получение | Free UK transfers | Free SEPA transfers in EUR |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Limited free EUR; foreign ATM fee on free plan |
| Карта | Yes — debit Mastercard | Yes — debit Mastercard; stainless on Metal |
| Доступность | UK (US in rollout) | ~24 European markets |
| Валюты | GBP (spends abroad at Mastercard rate) | EUR account; spends worldwide at mid-market |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | BaFin / German full banking licence (ECB) |
| Основан | 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.
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
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.
Плюсы
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Минусы
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.