Monzo vs Vivid
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Vivid |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Cashback, saving and investing in one app |
| Frais mensuels | Free → Plus/Premium plans | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Taux de change | Mastercard rate, no Monzo markup | 1% over the Visa rate on non-euro card payments |
| Envoyer / recevoir | Free UK transfers | Free SEPA and instant SEPA; no SWIFT |
| Retraits | Free in UK; overseas cap then fee on free plan | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Carte | Yes — debit Mastercard | Yes — Visa debit (metal on premium) |
| Disponibilité | UK (US in rollout) | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Devises | GBP (spends abroad at Mastercard rate) | EUR (only supported retail currency) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Création | 2015 | 2020 |
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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Avantages
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Inconvénients
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.