Google Wallet vs Venmo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Google Wallet | Venmo |
|---|---|---|
| Note | 4.3 / 5 | 4.1 / 5 |
| Idéal pour | Contactless payments & passes on Android | Splitting bills with US friends |
| Frais mensuels | Free | Free |
| Taux de change | Uses your card's FX terms | N/A (US-only) |
| Envoyer / recevoir | No Google fee; P2P limited in many markets | Free from balance/bank/debit; instant 1.75% |
| Retraits | N/A | Standard free; instant 1.75% |
| Carte | No standalone card; stores cards, passes & tickets | Yes — Venmo Visa debit (and a Visa credit card) |
| Disponibilité | Tap-to-pay in 100+ countries | United States only |
| Devises | Local card currency | USD |
| Réglementation | Rides card networks; licences by region | FinCEN (MSB), US state licences; PayPal-owned |
| Création | 2011 (Wallet rebrand 2022) | 2009 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use and accepted in over 100 countries, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but its peer-to-peer money features have been scaled back. The natural everyday wallet for Android users.
Avantages
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
En résumé
Globalement, Google Wallet prend l'avantage avec une note de 4.3 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.