Apple Pay vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | Revolut |
|---|---|---|
| Оценка | 4.4 / 5 | 4.4 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Uses your card's FX terms | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | Free between Revolut users |
| Выводы средств | Standard Apple Cash free; instant 1.7% | Free up to a monthly limit, then ~2% |
| Карта | No standalone card; tokenises existing cards | Yes — virtual & physical debit; Metal on premium |
| Доступность | Apple Pay 80+ countries; Apple Cash US-only | 40+ markets; cards usable in 160+ countries |
| Валюты | Local card currency; Apple Cash USD | 30+ in-app (spend in 120+) |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 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.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Минусы
- 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.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.