Apple Pay vs Vivid
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | Vivid |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Cashback, saving and investing in one app |
| Ежемесячная комиссия | Free | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Курс обмена | Uses your card's FX terms | 1% over the Visa rate on non-euro card payments |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | Free SEPA and instant SEPA; no SWIFT |
| Выводы средств | Standard Apple Cash free; instant 1.7% | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Карта | No standalone card; tokenises existing cards | Yes — Visa debit (metal on premium) |
| Доступность | 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 |
| Валюты | Local card currency; Apple Cash USD | EUR (only supported retail currency) |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Основан | 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.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Минусы
- 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.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- 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
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.