Monzo vs Neteller
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Monzo | Neteller |
|---|---|---|
| Skóre | 4.4 / 5 | 3.5 / 5 |
| Najlepšia na | Everyday UK banking and budgeting | Online deposits & international transfers |
| Mesačný poplatok | Free → Plus/Premium plans | Free; USD 5/mo after 6 months without a login or transaction |
| Výmenný kurz | Mastercard rate, no Monzo markup | Up to 3.99% (VIP from 1%) |
| Odoslať / prijať | Free UK transfers | 2.99% to send (min USD 0.50); receiving free |
| Výbery | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min USD 3.50) |
| Karta | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Dostupnosť | UK (US in rollout) | Most countries (excl. US) |
| Meny | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nevýhody
- 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.
Výhody
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Nevýhody
- 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
Záverečné zhrnutie
Celkovo sa Monzo dostáva dopredu so skóre 4.4 oproti 3.5 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.