Monzo vs Zelle
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Zelle |
|---|---|---|
| Оценка | 4.4 / 5 | 3.9 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Instant payments between US bank accounts |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | N/A (US) |
| Отправка / получение | Free UK transfers | Free bank-to-bank |
| Выводы средств | Free in UK; overseas cap then fee on free plan | N/A — funds go straight to your bank |
| Карта | Yes — debit Mastercard | No — works inside your bank's app |
| Доступность | UK (US in rollout) | United States |
| Валюты | GBP (spends abroad at Mastercard rate) | USD |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Operated by Early Warning Services (US banks) |
| Основан | 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.
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
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.
Плюсы
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Минусы
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.9 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.