Monzo vs ZEN.com
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | ZEN.com |
|---|---|---|
| Note | 4.4 / 5 | 3.6 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Everyday spending with cashback |
| Frais mensuels | Free → Plus/Premium plans | Free plan; paid premium tiers |
| Taux de change | Mastercard rate, no Monzo markup | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Envoyer / recevoir | Free UK transfers | Free ZEN-to-ZEN |
| Retraits | Free in UK; overseas cap then fee on free plan | Free ATM allowance by plan, then a % fee |
| Carte | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Disponibilité | UK (US in rollout) | Countries listed by ZEN (check zen.com) |
| Devises | GBP (spends abroad at Mastercard rate) | Multiple currencies (see ZEN fee page) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- 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.
Avantages
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Inconvénients
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.