Google Wallet vs Curve
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Google Wallet | Curve |
|---|---|---|
| Оцінка | 4.3 / 5 | 3.8 / 5 |
| Найкраще для | Contactless payments & passes on Android | Consolidating multiple cards into one |
| Щомісячна комісія | Free | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Обмінний курс | 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) |
| Надсилання / отримання | No Google fee; send money only in India and Singapore | N/A (overlays existing cards) |
| Виведення коштів | N/A | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Картка | No standalone card; stores cards, passes & tickets | Yes — single Mastercard overlaying your cards |
| Доступність | Countries on Google supported-countries list; tap to pay varies by country | UK and EEA (residents aged 18+) |
| Валюти | Local card currency | Spends in multiple currencies via linked cards |
| Регулювання | Rides card networks; licences by region | FCA-authorised e-money institution |
| Засновано | 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.
Плюси
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Мінуси
- 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.
Плюси
- 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
Мінуси
- 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
Підсумок
Загалом Google Wallet вириває перевагу з оцінкою 4.3 проти 3.8 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.