Wise vs Monzo
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Wise | Monzo |
|---|---|---|
| Punteggio | 4.5 / 5 | 4.4 / 5 |
| Ideale per | Cheap, transparent international transfers | Everyday UK banking and budgeting |
| Canone mensile | Free (one-time card fee in some regions) | Free → Plus/Premium plans |
| Tasso di cambio | Mid-market + transparent fee (often <0.5%) | Mastercard rate, no Monzo markup |
| Invia / ricevi | Low variable fee (~0.33%+) | Free UK transfers |
| Prelievi | Free up to a monthly cap, then small fee | Free in UK; overseas cap then fee on free plan |
| Carta | Yes — physical & virtual debit Mastercard | Yes — debit Mastercard |
| Disponibilità | 160+ countries | UK (US in rollout) |
| Valute | 40+ currencies | GBP (spends abroad at Mastercard rate) |
| Regolamentazione | FCA (UK), NBB (Belgium), FinCEN (US) | UK PRA/FCA full banking licence (FSCS protected) |
| Fondata | 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.
Pro
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Contro
- 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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
In conclusione
Nel complesso, Wise ha la meglio con un punteggio di 4.5 contro 4.4 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.