Monzo vs Volet
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Monzo | Volet |
|---|---|---|
| Punteggio | 4.4 / 5 | 3.5 / 5 |
| Ideale per | Everyday UK banking and budgeting | Multi-currency wallet with prepaid cards |
| Canone mensile | Free → Plus/Premium plans | Free |
| Tasso di cambio | Mastercard rate, no Monzo markup | Spread on conversions |
| Invia / ricevi | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Prelievi | Free in UK; overseas cap then fee on free plan | SEPA ~EUR 1 flat; card/SWIFT vary |
| Carta | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Disponibilità | UK (US in rollout) | 150+ countries |
| Valute | GBP (spends abroad at Mastercard rate) | 20+ fiat + major crypto |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Fondata | 2015 | 2014 |
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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Volet
Volet (formerly AdvCash) is a versatile multi-currency e-wallet that blends fiat and crypto with prepaid cards and free internal transfers. It suits crypto-savvy users in 150+ countries, though external fees and a relatively light regulatory profile are worth weighing.
Pro
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Contro
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
In conclusione
Nel complesso, Monzo ha la meglio con un punteggio di 4.4 contro 3.5 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.