Monzo vs Paysera
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | Paysera |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.8 / 5 |
| Ideal para | Everyday UK banking and budgeting | Cheap SEPA transfers & small-business accounts |
| Comisión mensual | Free → Plus/Premium plans | Free account |
| Tipo de cambio | Mastercard rate, no Monzo markup | Competitive conversion |
| Enviar / recibir | Free UK transfers | Low SEPA fees |
| Retiradas | Free in UK; overseas cap then fee on free plan | Low ATM fees |
| Tarjeta | Yes — debit Mastercard | Yes — Visa debit (region-dependent) |
| Disponibilidad | UK (US in rollout) | EEA + global transfers |
| Divisas | GBP (spends abroad at Mastercard rate) | 20+ currencies |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI) |
| Fundación | 2015 | 2004 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Paysera
Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses. Its interface is more functional than flashy, but the pricing is among the cheapest in the EU.
Pros
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Contras
- Interface feels dated
- Support is mainly online
- Card availability varies by country
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 3.8, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.