Monzo vs Vivid
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Vivid |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Cashback, saving and investing in one app |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free plan → paid Prime |
| Курс обмена | Mastercard rate, no Monzo markup | Interbank on weekdays (limits apply) |
| Отправка / получение | Free UK transfers | Free SEPA transfers |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Free ATM up to a cap, then fee |
| Карта | Yes — debit Mastercard | Yes — Visa debit (metal on premium) |
| Доступность | UK (US in rollout) | Several EU markets |
| Валюты | GBP (spends abroad at Mastercard rate) | EUR + multi-currency pockets |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | BaFin via partner bank (Solaris); EEA |
| Основан | 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.
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
Vivid
Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though the strongest perks sit behind its Prime plan and it operates through partner bank Solaris across a limited set of EU markets.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.