Revolut vs Luxon Pay
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Revolut | Luxon Pay |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.8 / 5 |
| Ideal para | Travel spending and an all-in-one app | High-volume players wanting fast free transfers |
| Comisión mensual | Free to ~$16.99/mo (Standard→Metal) | No monthly fee listed |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Enviar / recibir | Free between Revolut users | Free between Luxon Pay users |
| Retiradas | Free up to a monthly limit, then ~2% | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | 132 countries (per Luxon) |
| Divisas | 30+ in-app (spend in 120+) | 38 account currencies |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | card issuer Monavate UAB, authorised by the Bank of Lithuania (licence no. 92); Luxon EU ApS names no licence of its own |
| Fundación | 2015 | n/a (not stated by Luxon) |
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.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Luxon Pay
Luxon Pay is a multi-currency e-wallet run by Luxon EU ApS (Denmark), with 38 account currencies, free transfers between users and a Mastercard issued by Monavate UAB under a Bank of Lithuania licence. Standard-tier users pay 2% on currency exchange and EUR 20 for SWIFT withdrawals; tiers based on quarterly merchant deposits cut FX to 1%, 0.5% or zero.
Pros
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Contras
- Tiers depend on quarterly merchant deposits (Classic from EUR 3,000)
- 2% FX and EUR 20 SWIFT fee at Standard tier
- ATM withdrawals cost 1% on every tier
En resumen
En conjunto, Revolut se adelanta con una puntuación de 4.4 frente a 3.8, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.