Revolut vs Cash App
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Cash App |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Simple everyday banking and payments |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | N/A |
| Отправка / получение | Free between Revolut users | Free standard P2P; instant ~0.5–1.75% |
| Выводы средств | Free up to a monthly limit, then ~2% | Standard free; instant-to-debit fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Cash Card (Visa debit) |
| Доступность | 40+ markets; cards usable in 160+ countries | United States & United Kingdom |
| Валюты | 30+ in-app (spend in 120+) | USD (US), GBP (UK) |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (MSB), US state licences; Block, Inc. |
| Основан | 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.
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
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.
Плюсы
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Минусы
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
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.