Monzo vs Volet
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Monzo | Volet |
|---|---|---|
| Skóre | 4.4 / 5 | 3.5 / 5 |
| Najlepšia na | Everyday UK banking and budgeting | Multi-currency wallet with prepaid cards |
| Mesačný poplatok | Free → Plus/Premium plans | Free |
| Výmenný kurz | Mastercard rate, no Monzo markup | Spread on conversions |
| Odoslať / prijať | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Výbery | Free in UK; overseas cap then fee on free plan | SEPA ~EUR 1 flat; card/SWIFT vary |
| Karta | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Dostupnosť | UK (US in rollout) | 150+ countries |
| Meny | GBP (spends abroad at Mastercard rate) | 20+ fiat + major crypto |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nevýhody
- 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.
Výhody
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Nevýhody
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
Záverečné zhrnutie
Celkovo sa Monzo dostáva dopredu so skóre 4.4 oproti 3.5 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.