Monzo vs Neteller
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Neteller |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.5 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Online deposits & international transfers |
| Щомісячна комісія | Free → Plus/Premium plans | Free; USD 5/mo after 6 months without a login or transaction |
| Обмінний курс | Mastercard rate, no Monzo markup | Up to 3.99% (VIP from 1%) |
| Надсилання / отримання | Free UK transfers | 2.99% to send (min USD 0.50); receiving free |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min USD 3.50) |
| Картка | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Доступність | UK (US in rollout) | Most countries (excl. US) |
| Валюти | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| Засновано | 2015 | 1999 |
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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Neteller
Neteller is Skrill's Paysafe sibling, used mainly to fund trading and online accounts, with a Knect rewards programme and a Net+ prepaid card for EEA and UK residents. Standard members pay up to 3.99% in FX fees (VIP members from 1%), 2.99% to send money and 1.75% (min USD 3.50) to withdraw to a bank, plus USD 5 a month after six months of inactivity. Well accepted, but not a cheap way to hold or move currencies.
Плюси
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Мінуси
- Net+ card limited to EEA and UK residents
- FX fee up to 3.99% for standard members
- USD 5/mo inactivity fee after 6 months
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.5 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.