Wise vs Monzo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Wise | Monzo |
|---|---|---|
| Note | 4.5 / 5 | 4.4 / 5 |
| Idéal pour | Cheap, transparent international transfers | Everyday UK banking and budgeting |
| Frais mensuels | Free (one-time card fee in some regions) | Free → Plus/Premium plans |
| Taux de change | Mid-market + transparent fee (often <0.5%) | Mastercard rate, no Monzo markup |
| Envoyer / recevoir | Low variable fee (~0.33%+) | Free UK transfers |
| Retraits | Free up to a monthly cap, then small fee | Free in UK; overseas cap then fee on free plan |
| Carte | Yes — physical & virtual debit Mastercard | Yes — debit Mastercard |
| Disponibilité | 160+ countries | UK (US in rollout) |
| Devises | 40+ currencies | GBP (spends abroad at Mastercard rate) |
| Réglementation | FCA (UK), NBB (Belgium), FinCEN (US) | UK PRA/FCA full banking licence (FSCS protected) |
| 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
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
En résumé
Globalement, Wise prend l'avantage avec une note de 4.5 contre 4.4 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.