Google Wallet vs Luxon Pay
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Google Wallet | Luxon Pay |
|---|---|---|
| Ocena | 4.3 / 5 | 3.8 / 5 |
| Najlepszy do | Contactless payments & passes on Android | High-volume players wanting fast free transfers |
| Opłata miesięczna | Free | No monthly fee listed |
| Kurs wymiany | Uses your card's FX terms | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Wysyłanie / odbiór | No Google fee; send money only in India and Singapore | Free between Luxon Pay users |
| Wypłaty | N/A | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Karta | No standalone card; stores cards, passes & tickets | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Dostępność | Countries on Google supported-countries list; tap to pay varies by country | 132 countries (per Luxon) |
| Waluty | Local card currency | 38 account currencies |
| Regulacja | Rides card networks; licences by region | card issuer Monavate UAB, authorised by the Bank of Lithuania (licence no. 92); Luxon EU ApS names no licence of its own |
| Założono | 2011 (Wallet rebrand 2022) | n/a (not stated by Luxon) |
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.
Zalety
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Wady
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Luxon Pay
Luxon Pay is a multi-currency e-wallet run by Luxon EU ApS (Denmark), with 38 account currencies, free transfers between users and a Mastercard issued by Monavate UAB under a Bank of Lithuania licence. Standard-tier users pay 2% on currency exchange and EUR 20 for SWIFT withdrawals; tiers based on quarterly merchant deposits cut FX to 1%, 0.5% or zero.
Zalety
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Wady
- Tiers depend on quarterly merchant deposits (Classic from EUR 3,000)
- 2% FX and EUR 20 SWIFT fee at Standard tier
- ATM withdrawals cost 1% on every tier
Podsumowanie
Ogólnie Google Wallet wysuwa się na prowadzenie z wynikiem 4.3 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.