Revolut vs Curve
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Curve |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Consolidating multiple cards into one |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free → ~£14.99/mo (Pay→Metal) |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Mid-market weekdays; weekend surcharge |
| Отправка / получение | Free between Revolut users | N/A (overlays existing cards) |
| Выводы средств | Free up to a monthly limit, then ~2% | Limited free ATM, then fees |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — single Mastercard overlaying your cards |
| Доступность | 40+ markets; cards usable in 160+ countries | 30+ European countries (+ US rollout) |
| Валюты | 30+ in-app (spend in 120+) | Spends in multiple currencies via linked cards |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised e-money institution |
| Основан | 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.
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
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. It offers mid-market FX on weekdays but adds a weekend surcharge, and its best perks sit behind paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Минусы
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.