Revolut vs Crypto.com
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Crypto.com |
|---|---|---|
| Note | 4.4 / 5 | 4.0 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Crypto holders wanting cashback card spending |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free (card tiers via CRO stake) |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | 0% on most card tiers |
| Envoyer / recevoir | Free between Revolut users | Crypto network fees; app spread |
| Retraits | Free up to a monthly limit, then ~2% | Free ATM up to cap, then ~2% |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — Visa prepaid (tiered, CRO-staked) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | 90+ countries |
| Devises | 30+ in-app (spend in 120+) | Hundreds of crypto + major fiat |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | EU/MiCA, MAS, FCA registration, US MTLs |
| Création | 2015 | 2016 |
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.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Crypto.com
Crypto.com pairs a feature-rich crypto app with a tiered Visa card offering cashback and 0% FX on most tiers. It is a strong choice for crypto holders who want to spend and earn rewards, though the best perks require sizable CRO staking and cashback has been trimmed over time.
Avantages
- Tiered cashback Visa card
- Hundreds of supported cryptocurrencies
- 0% FX markup on most card tiers
Inconvénients
- Top cashback needs large CRO staking
- Cashback rates cut from earlier highs
- ATM withdrawals capped before 2% fee
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.