Wise vs Monese
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Wise | Monese |
|---|---|---|
| Note | 4.5 / 5 | 3.2 / 5 |
| Idéal pour | Cheap, transparent international transfers | Opening an account without local credit history |
| Frais mensuels | Free (one-time card fee in some regions) | Free plan; paid plans available |
| Taux de change | Mid-market + transparent fee (often <0.5%) | FX fee on free plan; lower on paid |
| Envoyer / recevoir | Low variable fee (~0.33%+) | Free Monese-to-Monese |
| Retraits | Free up to a monthly cap, then small fee | Monthly free cap, then fee |
| Carte | Yes — physical & virtual debit Mastercard | Yes — debit card |
| Disponibilité | 160+ countries | UK + EEA |
| Devises | 40+ currencies | GBP, EUR, RON (hold others) |
| Réglementation | FCA (UK), NBB (Belgium), FinCEN (US) | UK FCA; EEA e-money via partners |
| Création | 2011 | 2015 |
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Avantages
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Inconvénients
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Avantages
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Inconvénients
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
En résumé
Globalement, Wise prend l'avantage avec une note de 4.5 contre 3.2 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.