Monzo vs Neteller
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | Neteller |
|---|---|---|
| Skóre | 4.4 / 5 | 3.5 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Online deposits & international transfers |
| Měsíční poplatek | Free → Plus/Premium plans | Free 12 mo; then $5/mo inactivity |
| Směnný kurz | Mastercard rate, no Monzo markup | Up to 3.99% |
| Odeslat / přijmout | Free UK transfers | Free to other Neteller members |
| Výběry | Free in UK; overseas cap then fee on free plan | Varies by method |
| Karta | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA only) |
| Dostupnost | UK (US in rollout) | Most countries (excl. US) |
| Měny | GBP (spends abroad at Mastercard rate) | ~28 currencies |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | UK FCA / Isle of Man (Paysafe Group) |
| Založeno | 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.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Neteller
Neteller is Skrill's Paysafe-owned sibling, widely used for funding trading and online accounts and offering a Knect rewards programme plus in-wallet crypto. Its fee profile mirrors Skrill's — up to 3.99% FX and a $5/month inactivity charge after a year — and its Net+ prepaid card is restricted to EEA residents. Dependable and well-accepted, but not the cheapest way to move money.
Klady
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- ~28 currencies plus in-wallet crypto
Zápory
- Net+ card limited to EEA residents
- FX markup up to 3.99%
- $5/mo inactivity fee after 12 months
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 3.5 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.