Monzo vs Skrill
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | Skrill |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.6 / 5 |
| Ideal para | Everyday UK banking and budgeting | International online payments |
| Comisión mensual | Free → Plus/Premium plans | Free; EUR 5/mo after 6 months without a login or transaction |
| Tipo de cambio | Mastercard rate, no Monzo markup | 4.49% (Skrill reference rate) |
| Enviar / recibir | Free UK transfers | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retiradas | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min EUR 3.50) |
| Tarjeta | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilidad | UK (US in rollout) | 120+ countries |
| Divisas | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Fundación | 2015 | 2001 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Skrill
Skrill is a Paysafe e-wallet built for paying online merchants and trading platforms, with several currency balances and an optional prepaid Mastercard. Fees are its weak spot next to neobanks: a 4.49% FX fee, 2.99% to send money to other users and 1.75% (min EUR 3.50) to withdraw to a bank, plus EUR 5 a month after six months of inactivity. Use it where a merchant asks for Skrill, not as your multi-currency account.
Pros
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Contras
- 4.49% FX fee is high next to neobanks
- EUR 5/mo inactivity fee after 6 months
- 1.75% bank withdrawal fee (min EUR 3.50)
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 3.6, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.