Revolut vs Curve
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Revolut | Curve |
|---|---|---|
| Skóre | 4.4 / 5 | 3.8 / 5 |
| Najlepšia na | Travel spending and an all-in-one app | Consolidating multiple cards into one |
| Mesačný poplatok | Free to ~$16.99/mo (Standard→Metal) | Free → ~£14.99/mo (Pay→Metal) |
| Výmenný kurz | Mid-market weekdays; ~1% weekend on Standard | Mid-market weekdays; weekend surcharge |
| Odoslať / prijať | Free between Revolut users | N/A (overlays existing cards) |
| Výbery | Free up to a monthly limit, then ~2% | Limited free ATM, then fees |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — single Mastercard overlaying your cards |
| Dostupnosť | 40+ markets; cards usable in 160+ countries | 30+ European countries (+ US rollout) |
| Meny | 30+ in-app (spend in 120+) | Spends in multiple currencies via linked cards |
| Regulácia | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised e-money institution |
| Založené | 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.
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
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.
Výhody
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Nevýhody
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Záverečné zhrnutie
Celkovo sa Revolut dostáva dopredu so skóre 4.4 oproti 3.8 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.