Monzo vs Revolut
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Revolut |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.4 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Travel spending and an all-in-one app |
| Щомісячна комісія | Free → Plus/Premium plans | Free to ~$16.99/mo (Standard→Metal) |
| Обмінний курс | Mastercard rate, no Monzo markup | Mid-market weekdays; ~1% weekend on Standard |
| Надсилання / отримання | Free UK transfers | Free between Revolut users |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Free up to a monthly limit, then ~2% |
| Картка | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Доступність | UK (US in rollout) | 40+ markets; cards usable in 160+ countries |
| Валюти | GBP (spends abroad at Mastercard rate) | 30+ in-app (spend in 120+) |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 4.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.