Monzo vs Neteller
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Monzo | Neteller |
|---|---|---|
| Punteggio | 4.4 / 5 | 3.5 / 5 |
| Ideale per | Everyday UK banking and budgeting | Online deposits & international transfers |
| Canone mensile | Free → Plus/Premium plans | Free; USD 5/mo after 6 months without a login or transaction |
| Tasso di cambio | Mastercard rate, no Monzo markup | Up to 3.99% (VIP from 1%) |
| Invia / ricevi | Free UK transfers | 2.99% to send (min USD 0.50); receiving free |
| Prelievi | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min USD 3.50) |
| Carta | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Disponibilità | UK (US in rollout) | Most countries (excl. US) |
| Valute | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| Fondata | 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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- 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.
Pro
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Contro
- 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
In conclusione
Nel complesso, Monzo ha la meglio con un punteggio di 4.4 contro 3.5 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.