旋转金属卡vs Monzo Metal Card

英国居民

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)
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
Stocks Trading (Commission Free) Buy/Sell
商品交易(黄金/白银) Buy/Sell
初级账户 Yes
Cashback on purchases Yes
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
Donations (to selected charities) Yes
信用评分跟踪器 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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