Revolut vs Curve
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Curve |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Consolidating multiple cards into one |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Envoyer / recevoir | Free between Revolut users | N/A (overlays existing cards) |
| Retraits | Free up to a monthly limit, then ~2% | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — single Mastercard overlaying your cards |
| Disponibilité | 40+ markets; cards usable in 160+ countries | UK and EEA (residents aged 18+) |
| Devises | 30+ in-app (spend in 120+) | Spends in multiple currencies via linked cards |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised e-money institution |
| Création | 2015 | 2015 |
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
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Avantages
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Inconvénients
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.