Monzo vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Revolut |
|---|---|---|
| Оценка | 4.4 / 5 | 4.4 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Mastercard rate, no Monzo markup | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Free UK transfers | Free between Revolut users |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Free up to a monthly limit, then ~2% |
| Карта | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Доступность | UK (US in rollout) | 40+ markets; cards usable in 160+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | 30+ in-app (spend in 120+) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 2015 | 2015 |
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
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.