Monzo vs ZEN.com
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | ZEN.com |
|---|---|---|
| Skóre | 4.4 / 5 | 3.6 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Everyday spending with cashback |
| Měsíční poplatek | Free → Plus/Premium plans | Free plan; paid premium tiers |
| Směnný kurz | Mastercard rate, no Monzo markup | Small margin on free; better on higher tiers |
| Odeslat / přijmout | Free UK transfers | Free ZEN-to-ZEN |
| Výběry | Free in UK; overseas cap then fee on free plan | Free ATM up to a cap, then fee |
| Karta | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Dostupnost | UK (US in rollout) | EEA + UK |
| Měny | GBP (spends abroad at Mastercard rate) | 30+ currencies |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI), EEA-licensed |
| Založeno | 2015 | 2019 |
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
ZEN.com
ZEN.com is a Lithuanian, EEA-licensed money app offering a multi-currency account, virtual and physical Mastercards, cashback and an extended buyer-protection feature. It is a capable everyday-spending option in Europe, with the best rates and perks gated behind paid tiers and a relatively young brand.
Klady
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Zápory
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 3.6 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.