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) | Free |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | 1% standard; 0% at top VIP |
| Wysyłanie / odbiór | Free between Revolut users | Free wallet-to-wallet |
| Wypłaty | Free up to a monthly limit, then ~2% | SWIFT ~EUR 20 standard; free at top tier |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (virtual & physical) |
| Dostępność | 40+ markets; cards usable in 160+ countries | Multiple regions |
| Waluty | 30+ in-app (spend in 120+) | 38+ currencies (plus select crypto) |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised Electronic Money Institution |
| Założono | 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.
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 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.
Zalety
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Wady
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
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.