Monzo vs Neteller
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Neteller |
|---|---|---|
| Note | 4.4 / 5 | 3.5 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Online deposits & international transfers |
| Frais mensuels | Free → Plus/Premium plans | Free; USD 5/mo after 6 months without a login or transaction |
| Taux de change | Mastercard rate, no Monzo markup | Up to 3.99% (VIP from 1%) |
| Envoyer / recevoir | Free UK transfers | 2.99% to send (min USD 0.50); receiving free |
| Retraits | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min USD 3.50) |
| Carte | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Disponibilité | UK (US in rollout) | Most countries (excl. US) |
| Devises | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- 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.
Avantages
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Inconvénients
- 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
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.5 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.