Monzo vs Payz
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Payz |
|---|---|---|
| Ocena | 4.4 / 5 | 3.5 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Established multi-currency wallet for gaming |
| Opłata miesięczna | Free → Plus/Premium plans | No standard monthly fee |
| Kurs wymiany | Mastercard rate, no Monzo markup | ~2.99% standard tier |
| Wysyłanie / odbiór | Free UK transfers | Free P2P from Gold VIP up |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Varies by method & VIP tier |
| Karta | Yes — debit Mastercard | Yes — Mastercard (Silver VIP tier and above) |
| Dostępność | UK (US in rollout) | 180+ countries |
| Waluty | GBP (spends abroad at Mastercard rate) | 45+ currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (PSI-Pay Ltd) |
| Założono | 2015 | 2000 |
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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Payz
Payz is the rebrand of ecoPayz, one of the oldest e-wallets (since 2000), run by FCA-regulated PSI-Pay and offering 45+ currencies worldwide with a Mastercard and a tiered VIP programme. Its standout is a ~2.99% FX rate, undercutting Skrill and Neteller, though the best perks and the card are gated behind VIP tiers. A dependable, slightly cheaper alternative for everyday multi-currency use.
Zalety
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Wady
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.5 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.