Monzo vs Payz
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Payz |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Established multi-currency wallet for gaming |
| Ежемесячная комиссия | Free → Plus/Premium plans | No standard monthly fee |
| Курс обмена | Mastercard rate, no Monzo markup | ~2.99% standard tier |
| Отправка / получение | Free UK transfers | Free P2P from Gold VIP up |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Varies by method & VIP tier |
| Карта | Yes — debit Mastercard | Yes — Mastercard (Silver VIP tier and above) |
| Доступность | UK (US in rollout) | 180+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | 45+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (PSI-Pay Ltd) |
| Основан | 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.
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
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.
Плюсы
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Минусы
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.