Revolut vs bunq
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | bunq |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.0 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Digital nomads needing EU banking + multi-currency |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Надсилання / отримання | Free between Revolut users | Free instant euro transfers; SWIFT €5 |
| Виведення коштів | Free up to a monthly limit, then ~2% | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual Mastercard |
| Доступність | 40+ markets; cards usable in 160+ countries | EU residents (new UK sign-ups paused) |
| Валюти | 30+ in-app (spend in 120+) | About 20 currencies; local IBANs from 7 EU countries |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | De Nederlandsche Bank (DNB) full EU banking licence |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Мінуси
- 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)
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.