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; USD 5/mo after 6 months without a login or transaction |
| Курс обмена | Mastercard rate, no Monzo markup | Up to 3.99% (VIP from 1%) |
| Отправка / получение | Free UK transfers | 2.99% to send (min USD 0.50); receiving free |
| Выводы средств | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min USD 3.50) |
| Карта | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Доступность | UK (US in rollout) | Most countries (excl. US) |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| 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 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.
Плюсы
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Минусы
- 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
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.