Revolut vs Alipay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Alipay |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.2 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Everyday payments in China |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | FX spread for inbound visitors |
| Надсилання / отримання | Free between Revolut users | Free P2P in China; ~0.1% balance-to-bank |
| Виведення коштів | Free up to a monthly limit, then ~2% | ~0.1% to bank (China) |
| Картка | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Доступність | 40+ markets; cards usable in 160+ countries | China-centric; many countries via partners |
| Валюти | 30+ in-app (spend in 120+) | CNY; FX via Tour Pass |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Ant Group |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Over a billion users; ubiquitous in China
- Super-app: payments, transfers, investing, lifestyle
- QR payments accepted almost everywhere
Мінуси
- Primarily useful inside China
- Visitors face FX spreads & verification
- Heavy regulatory oversight of Ant Group
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 4.2 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.