Revolut vs AstroPay
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | AstroPay |
|---|---|---|
| Note | 4.4 / 5 | 3.5 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Payments in LatAm & emerging markets |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | No annual maintenance/card fee |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Conversion margin varies |
| Envoyer / recevoir | Free between Revolut users | P2P supported; varies by corridor |
| Retraits | Free up to a monthly limit, then ~2% | Bank-transfer charges may apply |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical debit cards |
| Disponibilité | 40+ markets; cards usable in 160+ countries | LatAm, Asia, Africa & beyond |
| Devises | 30+ in-app (spend in 120+) | Multiple currencies |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Création | 2015 | 2009 |
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.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
AstroPay
AstroPay is a London-headquartered, Uruguay-born wallet specialising in Latin American and emerging-market payments, offering local funding options, virtual/physical debit cards and multi-currency balances with no card or maintenance fees. It is a natural fit for cross-border payments into the region, though FX and withdrawal pricing varies. Best for users transacting in or with Latin America.
Avantages
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Inconvénients
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.5 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.