Monzo vs Paysera
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Paysera |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Cheap SEPA transfers & small-business accounts |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free account |
| Курс обмена | Mastercard rate, no Monzo markup | Competitive conversion |
| Отправка / получение | Free UK transfers | Low SEPA fees |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Low ATM fees |
| Карта | Yes — debit Mastercard | Yes — Visa debit (region-dependent) |
| Доступность | UK (US in rollout) | EEA + global transfers |
| Валюты | GBP (spends abroad at Mastercard rate) | 20+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI) |
| Основан | 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.
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
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.
Плюсы
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Минусы
- Interface feels dated
- Support is mainly online
- Card availability varies by country
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.