Google Wallet vs Vivid
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Google Wallet | Vivid |
|---|---|---|
| Оцінка | 4.3 / 5 | 3.8 / 5 |
| Найкраще для | Contactless payments & passes on Android | Cashback, saving and investing in one app |
| Щомісячна комісія | Free | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Обмінний курс | Uses your card's FX terms | 1% over the Visa rate on non-euro card payments |
| Надсилання / отримання | No Google fee; send money only in India and Singapore | Free SEPA and instant SEPA; no SWIFT |
| Виведення коштів | N/A | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Картка | No standalone card; stores cards, passes & tickets | Yes — Visa debit (metal on premium) |
| Доступність | Countries on Google supported-countries list; tap to pay varies by country | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Валюти | Local card currency | EUR (only supported retail currency) |
| Регулювання | Rides card networks; licences by region | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Засновано | 2011 (Wallet rebrand 2022) | 2020 |
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
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Плюси
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Мінуси
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
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.