Monzo vs Skrill
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Skrill |
|---|---|---|
| Note | 4.4 / 5 | 3.6 / 5 |
| Idéal pour | Everyday UK banking and budgeting | International online payments |
| Frais mensuels | Free → Plus/Premium plans | Free; EUR 5/mo after 6 months without a login or transaction |
| Taux de change | Mastercard rate, no Monzo markup | 4.49% (Skrill reference rate) |
| Envoyer / recevoir | Free UK transfers | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retraits | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min EUR 3.50) |
| Carte | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilité | UK (US in rollout) | 120+ countries |
| Devises | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- 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.
Avantages
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Inconvénients
- 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 résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.