Apple Pay vs Revolut
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Apple Pay | Revolut |
|---|---|---|
| Skóre | 4.4 / 5 | 4.4 / 5 |
| Nejlepší pro | Contactless payments on Apple devices | Travel spending and an all-in-one app |
| Měsíční poplatek | Free | Free to ~$16.99/mo (Standard→Metal) |
| Směnný kurz | Uses your card's FX terms | Mid-market weekdays; ~1% weekend on Standard |
| Odeslat / přijmout | Apple Cash P2P free; instant 1.7% | Free between Revolut users |
| Výběry | Standard Apple Cash free; instant 1.7% | Free up to a monthly limit, then ~2% |
| Karta | No standalone card; tokenises existing cards | Yes — virtual & physical debit; Metal on premium |
| Dostupnost | Apple Pay 80+ countries; Apple Cash US-only | 40+ markets; cards usable in 160+ countries |
| Měny | Local card currency; Apple Cash USD | 30+ in-app (spend in 120+) |
| Regulace | Apple Cash via Green Dot Bank (US); rides card networks | Bank of Lithuania (ECB), UK banking licence, FCA |
| Založeno | 2014 | 2015 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay accepted in 80+ countries with no usage fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Klady
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Zápory
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Klady
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Zápory
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Závěr
Celkově se Apple Pay dostává mírně dopředu se skóre 4.4 oproti 4.4 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.