Monzo vs Neteller
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Neteller |
|---|---|---|
| Ocena | 4.4 / 5 | 3.5 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Online deposits & international transfers |
| Opłata miesięczna | Free → Plus/Premium plans | Free 12 mo; then $5/mo inactivity |
| Kurs wymiany | Mastercard rate, no Monzo markup | Up to 3.99% |
| Wysyłanie / odbiór | Free UK transfers | Free to other Neteller members |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Varies by method |
| Karta | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA only) |
| Dostępność | UK (US in rollout) | Most countries (excl. US) |
| Waluty | GBP (spends abroad at Mastercard rate) | ~28 currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | UK FCA / Isle of Man (Paysafe Group) |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- 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.
Zalety
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- ~28 currencies plus in-wallet crypto
Wady
- Net+ card limited to EEA residents
- FX markup up to 3.99%
- $5/mo inactivity fee after 12 months
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.5 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.