Binance Pay vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Binance Pay | Revolut |
|---|---|---|
| Оценка | 3.9 / 5 | 4.4 / 5 |
| Лучше всего для | Sending crypto & paying merchants fee-free | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Spread between coins | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Free crypto payments/transfers | Free between Revolut users |
| Выводы средств | Standard Binance network fees | Free up to a monthly limit, then ~2% |
| Карта | No (QR/contactless crypto payments) | Yes — virtual & physical debit; Metal on premium |
| Доступность | Global where Binance operates | 40+ markets; cards usable in 160+ countries |
| Валюты | 300+ cryptocurrencies | 30+ in-app (spend in 120+) |
| Регулирование | Tied to Binance entities; varies by jurisdiction | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 2021 | 2015 |
Binance Pay
Binance Pay is a fee-free crypto payment service letting users send and spend 300+ cryptocurrencies with real-time merchant settlement. It is excellent for crypto-native payments within the Binance ecosystem, but it requires a Binance account, is crypto-only, and faces uneven regulatory acceptance.
Плюсы
- Zero-fee crypto payments and P2P
- 300+ supported cryptocurrencies
- Accepted by millions of merchants
Минусы
- Requires a Binance account (restricted in some countries)
- Crypto-only; no fiat card or IBAN
- Regulatory status varies and is contested
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 Revolut выходит вперёд с оценкой 4.4 против 3.9 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.