Revolut vs Chime
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Chime |
|---|---|---|
| Ocena | 4.4 / 5 | 4.1 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Everyday no-fee banking in the US |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | No monthly fee |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Wysyłanie / odbiór | Free between Revolut users | Free Pay Anyone transfers |
| Wypłaty | Free up to a monthly limit, then ~2% | Free at 60,000+ in-network ATMs |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (plus Credit Builder card) |
| Dostępność | 40+ markets; cards usable in 160+ countries | United States |
| Waluty | 30+ in-app (spend in 120+) | USD |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| 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
Chime
Chime is a US fintech offering fee-free mobile banking through partner banks, with no monthly or overdraft fees, early direct deposit, SpotMe overdraft coverage and a Credit Builder card. It is a strong everyday account for fee-conscious US users, though it is not a bank itself and cash deposits depend on retail partners.
Zalety
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Wady
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.1 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.