Monzo vs Neteller
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Neteller |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Online deposits & international transfers |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free 12 mo; then $5/mo inactivity |
| Курс обмена | Mastercard rate, no Monzo markup | Up to 3.99% |
| Отправка / получение | Free UK transfers | Free to other Neteller members |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Varies by method |
| Карта | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA only) |
| Доступность | UK (US in rollout) | Most countries (excl. US) |
| Валюты | GBP (spends abroad at Mastercard rate) | ~28 currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA / Isle of Man (Paysafe Group) |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- 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.
Плюсы
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- ~28 currencies plus in-wallet crypto
Минусы
- Net+ card limited to EEA residents
- FX markup up to 3.99%
- $5/mo inactivity fee after 12 months
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.