Monzo vs Volet
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Volet |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Multi-currency wallet with prepaid cards |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | Spread on conversions |
| Отправка / получение | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Выводы средств | Free in UK; overseas cap then fee on free plan | SEPA ~EUR 1 flat; card/SWIFT vary |
| Карта | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Доступность | UK (US in rollout) | 150+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | 20+ fiat + major crypto |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Основан | 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.
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
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.
Плюсы
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Минусы
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.