Revolut vs Luxon Pay
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Luxon Pay |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | High-volume players wanting fast free transfers |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | No monthly fee listed |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Wysyłanie / odbiór | Free between Revolut users | Free between Luxon Pay users |
| Wypłaty | Free up to a monthly limit, then ~2% | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Dostępność | 40+ markets; cards usable in 160+ countries | 132 countries (per Luxon) |
| Waluty | 30+ in-app (spend in 120+) | 38 account currencies |
| Regulacja | 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 |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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.
Zalety
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Wady
- 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
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.