Revolut vs AstroPay
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | AstroPay |
|---|---|---|
| Ocena | 4.4 / 5 | 3.5 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Payments in LatAm & emerging markets |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | No annual maintenance/card fee |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Conversion margin varies |
| Wysyłanie / odbiór | Free between Revolut users | P2P supported; varies by corridor |
| Wypłaty | Free up to a monthly limit, then ~2% | Bank-transfer charges may apply |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical debit cards |
| Dostępność | 40+ markets; cards usable in 160+ countries | LatAm, Asia, Africa & beyond |
| Waluty | 30+ in-app (spend in 120+) | Multiple currencies |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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.
Zalety
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Wady
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.5 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.