Monzo vs Wallester
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Wallester |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Businesses issuing expense & team cards |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free (Free plan) |
| Курс обмена | Mastercard rate, no Monzo markup | 2% on foreign currency |
| Отправка / получение | Free UK transfers | Free plan + paid premium tiers |
| Выводы средств | Free in UK; overseas cap then fee on free plan | 2% on cash/ATM |
| Карта | Yes — debit Mastercard | Yes — Visa (virtual & physical, white-label) |
| Доступность | UK (US in rollout) | EEA-focused |
| Валюты | GBP (spends abroad at Mastercard rate) | 10 currencies for exchange |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Estonian FSA; Visa Principal Member |
| Основан | 2015 | 2016 |
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
Wallester
Wallester is an Estonian, Visa-principal-member platform offering free IBAN business accounts and up to 300 free virtual Visa cards with strong expense-management and accounting integrations. It is built for businesses rather than consumers, with 2% FX and ATM-withdrawal fees as the main cost considerations.
Плюсы
- Up to 300 free virtual Visa cards
- Free IBAN business account & expense controls
- Visa Principal Member, PCI DSS Level 1
Минусы
- 2% FX markup on foreign-currency spend
- 2% fee on cash/ATM withdrawals
- Geared to businesses, not consumers
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.