Revolut vs Crypto.com
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Revolut | Crypto.com |
|---|---|---|
| Skóre | 4.4 / 5 | 4.0 / 5 |
| Najlepšia na | Travel spending and an all-in-one app | Crypto holders wanting cashback card spending |
| Mesačný poplatok | Free to ~$16.99/mo (Standard→Metal) | Free (card tiers via CRO stake) |
| Výmenný kurz | Mid-market weekdays; ~1% weekend on Standard | 0% on most card tiers |
| Odoslať / prijať | Free between Revolut users | Crypto network fees; app spread |
| Výbery | Free up to a monthly limit, then ~2% | Free ATM up to cap, then ~2% |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Visa prepaid (tiered, CRO-staked) |
| Dostupnosť | 40+ markets; cards usable in 160+ countries | 90+ countries |
| Meny | 30+ in-app (spend in 120+) | Hundreds of crypto + major fiat |
| Regulácia | Bank of Lithuania (ECB), UK banking licence, FCA | EU/MiCA, MAS, FCA registration, US MTLs |
| Založené | 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.
Výhody
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Nevýhody
- 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.
Výhody
- Tiered cashback Visa card
- Hundreds of supported cryptocurrencies
- 0% FX markup on most card tiers
Nevýhody
- Top cashback needs large CRO staking
- Cashback rates cut from earlier highs
- ATM withdrawals capped before 2% fee
Záverečné zhrnutie
Celkovo sa Revolut dostáva dopredu so skóre 4.4 oproti 4.0 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.