Revolut vs bunq
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | bunq |
|---|---|---|
| Ocena | 4.4 / 5 | 4.0 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Digital nomads needing EU banking + multi-currency |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Wysyłanie / odbiór | Free between Revolut users | Free instant euro transfers; SWIFT €5 |
| Wypłaty | Free up to a monthly limit, then ~2% | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual Mastercard |
| Dostępność | 40+ markets; cards usable in 160+ countries | EU residents (new UK sign-ups paused) |
| Waluty | 30+ in-app (spend in 120+) | About 20 currencies; local IBANs from 7 EU countries |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | De Nederlandsche Bank (DNB) full EU banking licence |
| Założono | 2015 | 2012 |
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
bunq
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Its free plan is limited (virtual card only, €2.99 per ATM withdrawal), so most travellers will want Core or Pro. A strong choice for EU residents wanting flexible, feature-rich banking.
Zalety
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Wady
- Free plan has only a virtual card and €2.99 ATM fees
- Free plan FX rises to 1.5% after €1,000 a year
- EU residents only (UK sign-ups paused, US pending a licence)
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.