Revolut vs AstroPay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | AstroPay |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Payments in LatAm & emerging markets |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | No annual maintenance/card fee |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Conversion margin varies |
| Отправка / получение | Free between Revolut users | P2P supported; varies by corridor |
| Выводы средств | Free up to a monthly limit, then ~2% | Bank-transfer charges may apply |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical debit cards |
| Доступность | 40+ markets; cards usable in 160+ countries | LatAm, Asia, Africa & beyond |
| Валюты | 30+ in-app (spend in 120+) | Multiple currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Основан | 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.
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
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.
Плюсы
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Минусы
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.