Monzo vs Payoneer
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Payoneer |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Freelancers & marketplaces getting paid globally |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Курс обмена | Mastercard rate, no Monzo markup | Up to ~3.5% |
| Отправка / получение | Free UK transfers | Free Payoneer-to-Payoneer |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Fee to local bank (varies by currency) |
| Карта | Yes — debit Mastercard | Yes — prepaid business Mastercard (where eligible) |
| Доступность | UK (US in rollout) | 190+ countries/territories |
| Валюты | GBP (spends abroad at Mastercard rate) | 70+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), FCA / Central Bank of Ireland |
| Основан | 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.
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
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.
Плюсы
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Минусы
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.