Monzo vs ZEN.com
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Monzo | ZEN.com |
|---|---|---|
| Bewertung | 4.4 / 5 | 3.6 / 5 |
| Ideal für | Everyday UK banking and budgeting | Everyday spending with cashback |
| Monatsgebühr | Free → Plus/Premium plans | Free plan; paid premium tiers |
| Wechselkurs | Mastercard rate, no Monzo markup | Small margin on free; better on higher tiers |
| Senden / Empfangen | Free UK transfers | Free ZEN-to-ZEN |
| Auszahlungen | Free in UK; overseas cap then fee on free plan | Free ATM up to a cap, then fee |
| Karte | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Verfügbarkeit | UK (US in rollout) | EEA + UK |
| Währungen | GBP (spends abroad at Mastercard rate) | 30+ currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI), EEA-licensed |
| Gegründet | 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.
Vorteile
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nachteile
- 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.
Vorteile
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Nachteile
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Das Fazit
Insgesamt liegt Monzo mit einer Bewertung von 4.4 gegenüber 3.6 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.