Monzo vs ZEN.com
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | ZEN.com |
|---|---|---|
| Оценка | 4.4 / 5 | 3.6 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Everyday spending with cashback |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free plan; paid premium tiers |
| Курс обмена | Mastercard rate, no Monzo markup | Small margin on free; better on higher tiers |
| Отправка / получение | Free UK transfers | Free ZEN-to-ZEN |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Free ATM up to a cap, then fee |
| Карта | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Доступность | UK (US in rollout) | EEA + UK |
| Валюты | GBP (spends abroad at Mastercard rate) | 30+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI), EEA-licensed |
| Основан | 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.
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
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.
Плюсы
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Минусы
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.