Apple Pay vs Vivid
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Apple Pay | Vivid |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Contactless payments on Apple devices | Cashback, saving and investing in one app |
| Opłata miesięczna | Free | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Kurs wymiany | Uses your card's FX terms | 1% over the Visa rate on non-euro card payments |
| Wysyłanie / odbiór | Apple Cash P2P free; instant 1.7% | Free SEPA and instant SEPA; no SWIFT |
| Wypłaty | Standard Apple Cash free; instant 1.7% | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Karta | No standalone card; tokenises existing cards | Yes — Visa debit (metal on premium) |
| Dostępność | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Waluty | Local card currency; Apple Cash USD | EUR (only supported retail currency) |
| Regulacja | Apple Cash via Green Dot Bank (US); rides card networks | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Założono | 2014 | 2020 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple 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.
Zalety
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Wady
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Zalety
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Wady
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
Podsumowanie
Ogólnie Apple Pay wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.