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 inactivity after 12 months |
| Курс обмена | Mastercard rate, no Monzo markup | Up to 3.99% |
| Отправка / получение | Free UK transfers | Free to other Skrill users |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Varies by method |
| Карта | Yes — debit Mastercard | Yes — prepaid Mastercard (region-dependent) |
| Доступность | UK (US in rollout) | 120+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | 40+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (Paysafe Group) |
| 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 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.
Плюсы
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Минусы
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
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.