Google Wallet vs Curve
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Google Wallet | Curve |
|---|---|---|
| Оценка | 4.3 / 5 | 3.8 / 5 |
| Лучше всего для | Contactless payments & passes on Android | Consolidating multiple cards into one |
| Ежемесячная комиссия | Free | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Курс обмена | Uses your card's FX terms | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Отправка / получение | No Google fee; send money only in India and Singapore | N/A (overlays existing cards) |
| Выводы средств | N/A | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Карта | No standalone card; stores cards, passes & tickets | Yes — single Mastercard overlaying your cards |
| Доступность | Countries on Google supported-countries list; tap to pay varies by country | UK and EEA (residents aged 18+) |
| Валюты | Local card currency | Spends in multiple currencies via linked cards |
| Регулирование | Rides card networks; licences by region | FCA-authorised e-money institution |
| Основан | 2011 (Wallet rebrand 2022) | 2015 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Минусы
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Итог
В целом Google Wallet выходит вперёд с оценкой 4.3 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.