Wise vs Monzo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Wise | Monzo |
|---|---|---|
| Оценка | 4.5 / 5 | 4.4 / 5 |
| Лучше всего для | Cheap, transparent international transfers | Everyday UK banking and budgeting |
| Ежемесячная комиссия | Free (one-time card fee in some regions) | Free → Plus/Premium plans |
| Курс обмена | Mid-market + transparent fee (often <0.5%) | Mastercard rate, no Monzo markup |
| Отправка / получение | Low variable fee (~0.33%+) | Free UK transfers |
| Выводы средств | Free up to a monthly cap, then small fee | Free in UK; overseas cap then fee on free plan |
| Карта | Yes — physical & virtual debit Mastercard | Yes — debit Mastercard |
| Доступность | 160+ countries | UK (US in rollout) |
| Валюты | 40+ currencies | GBP (spends abroad at Mastercard rate) |
| Регулирование | FCA (UK), NBB (Belgium), FinCEN (US) | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 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.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- 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.
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
Итог
В целом Wise выходит вперёд с оценкой 4.5 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.