Monzo vs PayPal
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | PayPal |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.6 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Online shopping & buyer protection |
| Щомісячна комісія | Free → Plus/Premium plans | Free |
| Обмінний курс | Mastercard rate, no Monzo markup | ~3–4% above wholesale rate |
| Надсилання / отримання | Free UK transfers | Free friends/family same currency; goods & services fees apply |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Free standard bank transfer; ~1% instant |
| Картка | Yes — debit Mastercard | Limited (debit/credit in some markets, e.g. US) |
| Доступність | UK (US in rollout) | 200+ countries/regions |
| Валюти | GBP (spends abroad at Mastercard rate) | 25 currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), Luxembourg CSSF (EU) |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Мінуси
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.