Revolut vs Cash App
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Cash App |
|---|---|---|
| Ocena | 4.4 / 5 | 4.0 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Simple everyday banking and payments |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | N/A |
| Wysyłanie / odbiór | Free between Revolut users | Free standard P2P; instant ~0.5–1.75% |
| Wypłaty | Free up to a monthly limit, then ~2% | Standard free; instant-to-debit fee |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Cash Card (Visa debit) |
| Dostępność | 40+ markets; cards usable in 160+ countries | United States & United Kingdom |
| Waluty | 30+ in-app (spend in 120+) | USD (US), GBP (UK) |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (MSB), US state licences; Block, Inc. |
| Założono | 2015 | 2013 |
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
Cash App
Cash App blends peer-to-peer payments with light banking, a free debit card, and built-in Bitcoin and stock investing. Standard transfers are free while instant cash-outs and crypto carry fees, and availability is limited to the US and UK. A strong all-in-one choice for US users who want payments and investing in one place.
Zalety
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Wady
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
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.