Monzo vs Skrill
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Skrill |
|---|---|---|
| Ocena | 4.4 / 5 | 3.6 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | International online payments |
| Opłata miesięczna | Free → Plus/Premium plans | Free; EUR 5/mo after 6 months without a login or transaction |
| Kurs wymiany | Mastercard rate, no Monzo markup | 4.49% (Skrill reference rate) |
| Wysyłanie / odbiór | Free UK transfers | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Wypłaty | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min EUR 3.50) |
| Karta | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Dostępność | UK (US in rollout) | 120+ countries |
| Waluty | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- 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.
Zalety
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Wady
- 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)
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.6 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.