Monzo vs Skrill
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Skrill |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.6 / 5 |
| Найкраще для | Everyday UK banking and budgeting | International online payments |
| Щомісячна комісія | Free → Plus/Premium plans | Free; EUR 5/mo after 6 months without a login or transaction |
| Обмінний курс | Mastercard rate, no Monzo markup | 4.49% (Skrill reference rate) |
| Надсилання / отримання | Free UK transfers | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | 1.75% to a bank account (min EUR 3.50) |
| Картка | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступність | UK (US in rollout) | 120+ countries |
| Валюти | GBP (spends abroad at Mastercard rate) | Multiple currency balances |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Мінуси
- 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)
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.