Revolut vs Chime
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Chime |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Everyday no-fee banking in the US |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | No monthly fee |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Отправка / получение | Free between Revolut users | Free Pay Anyone transfers |
| Выводы средств | Free up to a monthly limit, then ~2% | Free at 60,000+ in-network ATMs |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (plus Credit Builder card) |
| Доступность | 40+ markets; cards usable in 160+ countries | United States |
| Валюты | 30+ in-app (spend in 120+) | USD |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| 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
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.
Плюсы
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Минусы
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.