Monzo vs Skrill
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Skrill |
|---|---|---|
| Оценка | 4.4 / 5 | 3.6 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | International online payments |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free; EUR 5/mo after 6 months without a login or transaction |
| Курс обмена | Mastercard rate, no Monzo markup | 4.49% (Skrill reference rate) |
| Отправка / получение | Free UK transfers | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Выводы средств | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min EUR 3.50) |
| Карта | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступность | UK (US in rollout) | 120+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- 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.
Плюсы
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Минусы
- 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)
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.