Monzo vs Payoneer
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Payoneer |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Freelancers & marketplaces getting paid globally |
| Opłata miesięczna | Free → Plus/Premium plans | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Kurs wymiany | Mastercard rate, no Monzo markup | Up to ~3.5% |
| Wysyłanie / odbiór | Free UK transfers | Free Payoneer-to-Payoneer |
| Wypłaty | 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) |
| Dostępność | UK (US in rollout) | 190+ countries/territories |
| Waluty | GBP (spends abroad at Mastercard rate) | 70+ currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), FCA / Central Bank of Ireland |
| Założono | 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.
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
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.
Zalety
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Wady
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.