Revolut vs Luxon Pay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Luxon Pay |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | High-volume players wanting fast free transfers |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | 1% standard; 0% at top VIP |
| Отправка / получение | Free between Revolut users | Free wallet-to-wallet |
| Выводы средств | Free up to a monthly limit, then ~2% | SWIFT ~EUR 20 standard; free at top tier |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (virtual & physical) |
| Доступность | 40+ markets; cards usable in 160+ countries | Multiple regions |
| Валюты | 30+ in-app (spend in 120+) | 38+ currencies (plus select crypto) |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-authorised Electronic Money Institution |
| Основан | 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.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- 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.
Плюсы
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Минусы
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.