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 | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Курс обмена | Mastercard rate, no Monzo markup | 1% over the Visa rate on non-euro card payments |
| Отправка / получение | Free UK transfers | Free SEPA and instant SEPA; no SWIFT |
| Выводы средств | Free in UK; overseas cap then fee on free plan | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Карта | Yes — debit Mastercard | Yes — Visa debit (metal on premium) |
| Доступность | UK (US in rollout) | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Валюты | GBP (spends abroad at Mastercard rate) | EUR (only supported retail currency) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| 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-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.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- 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
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.