Monzo vs PayPal
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | PayPal |
|---|---|---|
| Оценка | 4.4 / 5 | 3.6 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Online shopping & buyer protection |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | ~3–4% above wholesale rate |
| Отправка / получение | Free UK transfers | Free friends/family same currency; goods & services fees apply |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Free standard bank transfer; ~1% instant |
| Карта | Yes — debit Mastercard | Limited (debit/credit in some markets, e.g. US) |
| Доступность | UK (US in rollout) | 200+ countries/regions |
| Валюты | GBP (spends abroad at Mastercard rate) | 25 currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), Luxembourg CSSF (EU) |
| Основан | 2015 | 1998 |
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
PayPal
PayPal is the most widely accepted online payment service, valued for its buyer protection and near-universal merchant coverage. Its convenience comes at a cost: currency conversion markups of roughly 3–4% and layered international fees make it expensive for cross-border transfers compared with dedicated specialists. Best suited to online shopping rather than low-cost money movement.
Плюсы
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Минусы
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.