Revolut vs Alipay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Alipay |
|---|---|---|
| Оценка | 4.4 / 5 | 4.2 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Everyday payments in China |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | FX spread for inbound visitors |
| Отправка / получение | Free between Revolut users | Free P2P in China; ~0.1% balance-to-bank |
| Выводы средств | Free up to a monthly limit, then ~2% | ~0.1% to bank (China) |
| Карта | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Доступность | 40+ markets; cards usable in 160+ countries | China-centric; many countries via partners |
| Валюты | 30+ in-app (spend in 120+) | CNY; FX via Tour Pass |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Ant Group |
| Основан | 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.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- 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.
Плюсы
- Over a billion users; ubiquitous in China
- Super-app: payments, transfers, investing, lifestyle
- QR payments accepted almost everywhere
Минусы
- Primarily useful inside China
- Visitors face FX spreads & verification
- Heavy regulatory oversight of Ant Group
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.2 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.