Monzo vs Payoneer
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | Payoneer |
|---|---|---|
| Skóre | 4.4 / 5 | 3.8 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Freelancers & marketplaces getting paid globally |
| Měsíční poplatek | Free → Plus/Premium plans | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Směnný kurz | Mastercard rate, no Monzo markup | Up to ~3.5% |
| Odeslat / přijmout | Free UK transfers | Free Payoneer-to-Payoneer |
| Výběry | Free in UK; overseas cap then fee on free plan | Fee to local bank (varies by currency) |
| Karta | Yes — debit Mastercard | Yes — prepaid business Mastercard (where eligible) |
| Dostupnost | UK (US in rollout) | 190+ countries/territories |
| Měny | GBP (spends abroad at Mastercard rate) | 70+ currencies |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), FCA / Central Bank of Ireland |
| Založeno | 2015 | 2005 |
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.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Payoneer
Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork. It reaches 190+ countries, including markets others struggle with. Currency conversion can cost up to ~3.5% and a low-activity card fee applies, so it shines more for business than personal use.
Klady
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Zápory
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 3.8 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.