Apple Pay vs Revolut
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Apple Pay | Revolut |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.4 / 5 |
| Ideal para | Contactless payments on Apple devices | Travel spending and an all-in-one app |
| Comisión mensual | Free | Free to ~$16.99/mo (Standard→Metal) |
| Tipo de cambio | Uses your card's FX terms | Mid-market weekdays; ~1% weekend on Standard |
| Enviar / recibir | Apple Cash P2P free; instant 1.7% | Free between Revolut users |
| Retiradas | Standard Apple Cash free; instant 1.7% | Free up to a monthly limit, then ~2% |
| Tarjeta | No standalone card; tokenises existing cards | Yes — virtual & physical debit; Metal on premium |
| Disponibilidad | Apple Pay 80+ countries; Apple Cash US-only | 40+ markets; cards usable in 160+ countries |
| Divisas | Local card currency; Apple Cash USD | 30+ in-app (spend in 120+) |
| Regulación | Apple Cash via Green Dot Bank (US); rides card networks | Bank of Lithuania (ECB), UK banking licence, FCA |
| Fundación | 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.
Pros
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Contras
- 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.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
En resumen
En conjunto, Apple Pay se adelanta con una puntuación de 4.4 frente a 4.4, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.