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) | Free |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | 1% standard; 0% at top VIP |
| Enviar / recibir | Free between Revolut users | Free wallet-to-wallet |
| Retiradas | Free up to a monthly limit, then ~2% | SWIFT ~EUR 20 standard; free at top tier |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (virtual & physical) |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | Multiple regions |
| Divisas | 30+ in-app (spend in 120+) | 38+ currencies (plus select crypto) |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised Electronic Money Institution |
| Fundación | 2015 | 2018 |
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 an FCA-authorised multi-currency e-wallet known for free transfers and a Mastercard across 38+ currencies, popular with high-volume users. Standard-tier FX and SWIFT fees apply, but high-volume VIP members can reduce nearly all fees to zero.
Pros
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Contras
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
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.