Monzo vs Venmo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Venmo |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Splitting bills with US friends |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | N/A (US-only) |
| Отправка / получение | Free UK transfers | Free from balance/bank/debit; instant 1.75% |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Standard free; instant 1.75% |
| Карта | Yes — debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Доступность | UK (US in rollout) | United States only |
| Валюты | GBP (spends abroad at Mastercard rate) | USD |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; PayPal-owned |
| Основан | 2015 | 2009 |
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
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.