Wise vs Monzo
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Wise | Monzo |
|---|---|---|
| Skóre | 4.5 / 5 | 4.4 / 5 |
| Nejlepší pro | Cheap, transparent international transfers | Everyday UK banking and budgeting |
| Měsíční poplatek | Free (one-time card fee in some regions) | Free → Plus/Premium plans |
| Směnný kurz | Mid-market + transparent fee (often <0.5%) | Mastercard rate, no Monzo markup |
| Odeslat / přijmout | Low variable fee (~0.33%+) | Free UK transfers |
| Výběry | Free up to a monthly cap, then small fee | Free in UK; overseas cap then fee on free plan |
| Karta | Yes — physical & virtual debit Mastercard | Yes — debit Mastercard |
| Dostupnost | 160+ countries | UK (US in rollout) |
| Měny | 40+ currencies | GBP (spends abroad at Mastercard rate) |
| Regulace | FCA (UK), NBB (Belgium), FinCEN (US) | UK PRA/FCA full banking licence (FSCS protected) |
| Založeno | 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.
Klady
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Zápory
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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
Závěr
Celkově se Wise dostává mírně dopředu se skóre 4.5 oproti 4.4 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.