Revolut vs Alipay
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Revolut | Alipay |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.2 / 5 |
| Ideal para | Travel spending and an all-in-one app | Everyday payments in China |
| Comisión mensual | Free to ~$16.99/mo (Standard→Metal) | Free |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | FX spread for inbound visitors |
| Enviar / recibir | Free between Revolut users | Free P2P in China; ~0.1% balance-to-bank |
| Retiradas | Free up to a monthly limit, then ~2% | ~0.1% to bank (China) |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | China-centric; many countries via partners |
| Divisas | 30+ in-app (spend in 120+) | CNY; FX via Tour Pass |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Ant Group |
| Fundación | 2015 | 2004 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Alipay
Alipay is one of China's two dominant payment super-apps, with over a billion users and QR-code acceptance across virtually all Chinese merchants, bundling payments, transfers, investing and lifestyle services. Foreign visitors can pay via the Tour Pass feature but face FX spreads and verification hurdles. Essential for spending in China but of limited use elsewhere.
Pros
- Over a billion users; ubiquitous in China
- Super-app: payments, transfers, investing, lifestyle
- QR payments accepted almost everywhere
Contras
- Primarily useful inside China
- Visitors face FX spreads & verification
- Heavy regulatory oversight of Ant Group
En resumen
En conjunto, Revolut se adelanta con una puntuación de 4.4 frente a 4.2, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.