Revolut vs bunq
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | bunq |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Digital nomads needing EU banking + multi-currency |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Отправка / получение | Free between Revolut users | Free instant euro transfers; SWIFT €5 |
| Выводы средств | Free up to a monthly limit, then ~2% | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual Mastercard |
| Доступность | 40+ markets; cards usable in 160+ countries | EU residents (new UK sign-ups paused) |
| Валюты | 30+ in-app (spend in 120+) | About 20 currencies; local IBANs from 7 EU countries |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | De Nederlandsche Bank (DNB) full EU banking licence |
| Основан | 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.
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
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.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- 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)
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.