Monzo vs Zelle
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | Zelle |
|---|---|---|
| Skóre | 4.4 / 5 | 3.9 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Instant payments between US bank accounts |
| Měsíční poplatek | Free → Plus/Premium plans | Free |
| Směnný kurz | Mastercard rate, no Monzo markup | N/A (US) |
| Odeslat / přijmout | Free UK transfers | Free bank-to-bank |
| Výběry | Free in UK; overseas cap then fee on free plan | N/A — funds go straight to your bank |
| Karta | Yes — debit Mastercard | No — works inside your bank's app |
| Dostupnost | UK (US in rollout) | United States |
| Měny | GBP (spends abroad at Mastercard rate) | USD |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | Operated by Early Warning Services (US banks) |
| Založeno | 2015 | 2017 |
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.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Zelle
Zelle is a US bank-to-bank payment network built into most American banking apps, moving money between accounts instantly and for free with no separate wallet. It is ideal for paying people you know within the US, but offers no payment protection, no balance or card of its own, and is a frequent target of scams.
Klady
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Zápory
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 3.9 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.