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 inactivity after 12 months |
| Kurs wymiany | Mastercard rate, no Monzo markup | Up to 3.99% |
| Wysyłanie / odbiór | Free UK transfers | Free to other Skrill users |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Varies by method |
| Karta | Yes — debit Mastercard | Yes — prepaid Mastercard (region-dependent) |
| Dostępność | UK (US in rollout) | 120+ countries |
| Waluty | GBP (spends abroad at Mastercard rate) | 40+ currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (Paysafe Group) |
| 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 long-established Paysafe-owned e-wallet popular for online payments, trading and cross-border transfers, holding 40+ currencies with optional crypto and a prepaid Mastercard. It scores well on acceptance and features but its FX markup (up to 3.99%) and assorted withdrawal/inactivity fees make it pricier than newer neobanks. A solid choice where merchant acceptance matters more than cost.
Zalety
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Wady
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
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.