Virtual banks are all the rage these days, and in the UK there’s been an explosion of online virtual banks, offering all sorts of deals and services. … some good, some bad. In this article, I’ll be taking a look at two virtual banks which I use regularly … Monzo and Revolut. I picked these two due to the fact that they don’t require a credit score check, nor do they offer any‘credit’设施都预付了。你的账户里有你可以消费的东西,这意味着你永远不会透支或负债。
我还喜欢这两个虚拟银行都提供独特的金属预付卡,看起来棒极了。这些金属卡以其“高级”账户的形式销售,并提供各种独特的功能和服务。让我们从Monzo金属卡开始…
免责声明:
I am not a financial adviser nor am I giving financial advice. The information provided is from my own personal experience and does not represent past, present or future interactions with the financial institutions mentioned.
证券、年金、保险和其他投资会带来风险,不受联邦存款保险公司或任何其他政府组织的保险,不属于上述虚拟银行或其任何附属机构的义务或担保,可能会损失价值,包括全部投资金额。
每一项投资都是一种风险!永远记住只投资你能投资的,并且愿意失去的。我不是加密货币方面的专业人士,也不会给你任何经过验证的专业建议。投资风险自负。
蒙佐金属万事达卡
Monzo Premium金属卡重16克,由一块钢板制成。背部涂有共聚物树脂,具有额外的耐用性。Monzo和Mastercard的徽标被机械地刻在卡片的脆白表面上。
参观Monzo’s websitefor more information.
The Monzo App
查看下表,查看Monzo提供的所有功能、服务和特惠。包括大量福利(中上截图)的高级服务最近才于2020年7月添加。
Premium帐户允许您创建Pots、拆分账单、创建虚拟卡、联合帐户、申请Monzo贷款和商业帐户。你也可以看到你的信用评分。
Revolut Metal Visa Infinite Card
Revolution金属卡的设计非常注重细节,重量为18克,由一块加固钢板制成,并用高精度激光雕刻。该卡不仅仅是一种身份象征。
参观Revolut’s websitefor more information.
The Revolut App
Check out the comparison table below to see all the features services and perks that Revolut card has to offer. There are a ton of perks, rewards and offers from various retailers, there’s even an option to donate to your favourite charities.
You can Buy/Sell Stocks, Cryptocurrencies, Commodities and access to Vault Savings … these services are only available on Revolut.
Comparison Table
Here’s a comparison list of all the benefits and services that each of the virtual banks offers.
旋转金属卡 |
Monzo Metal Card |
|
开户信用检查 (Date of opening account 2018) |
不 | 不 |
服务类型 | Premium | Premium |
Card Type | MasterCard or Visa | 仅限万事达卡 |
颜色 | Black, Gold, Pink, Gun Metal, Silver | White |
Card Weight | 18g | 16g |
Monthly Fee | £12.99 | £15.00 |
虚拟卡 | Yes | Yes |
Cryptocurrency | Buy/Sell | 不 |
Stocks Trading (Commission Free) | Buy/Sell | 不 |
商品交易(黄金/白银) | Buy/Sell | 不 |
初级账户 | Yes | 不 |
Cashback on purchases | Yes | 不 |
Linked Accounts (with other banks) | Yes | Yes |
Free Exchange Rates | Yes | 不Info |
旅行保险 | Yes | Yes |
Mobile phone insurance | Yes | Yes |
Airport Lounge | Yes – £20 | Yes – £24 |
奖励和津贴 | 是(很多) | Yes (Few) |
超额租车 | Yes | 不 |
Donations (to selected charities) | Yes | 不 |
信用评分跟踪器 | 不 | Yes |
免费送卡 | Yes – Worldwide | 是-仅限英国 |
Free withdrawals (abroad) | 是–最高800英镑(每月) | Yes – Up to £600 (30 days) |
Protection | 只有在Revolution保险库中节省 | 是–完全由FSC覆盖 |
Priority Support | Yes | Yes |
Verdict and Conclusion
在过去的两年里,我一直在使用这两个在线虚拟银行,我可以告诉你,每一个都有自己的优缺点。这完全取决于你想从网上虚拟银行得到什么,以及你心中有什么样的期望。你们中的一些人可能想要股票交易、加密货币和大宗商品交易等期权……那么Revolute就是适合你们的。
If you want an online virtual bank that’s secure and fully protected/covered by FSCS, along with the ability to check and monitor your credit score … then you might want to consider Monzo. It really is a“真的”online UK bank at the end of the day. It may lack a lot of the features found on Revolut, but I’m sure Monzo will include them as time goes by.
Revolute总部位于英国伦敦……尽管他们目前只有欧洲银行牌照(而不是英国牌照),但多年来一直在国际上运营,总体上反馈良好。更重要的是,他们还提供了比Monzo目前拥有的更多的功能和服务,尽管这在不久的将来可能会改变。
So after weighing the pros and cons, I think Revolut wins it for me.
免责声明:
I am not a financial adviser nor am I giving financial advice. The information provided is from my own personal experience and does not represent past, present or future interactions with the financial institutions mentioned.
证券、年金、保险和其他投资会带来风险,不受联邦存款保险公司或任何其他政府组织的保险,不属于上述虚拟银行或其任何附属机构的义务或担保,可能会损失价值,包括全部投资金额。
每一项投资都是一种风险!永远记住只投资你能投资的,并且愿意失去的。我不是加密货币方面的专业人士,也不会给你任何经过验证的专业建议。投资风险自负。
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