Revolut vs M-Pesa
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Revolut | M-Pesa |
|---|---|---|
| Skóre | 4.4 / 5 | 4.1 / 5 |
| Nejlepší pro | Travel spending and an all-in-one app | Mobile money & remittances in Africa |
| Měsíční poplatek | Free to ~$16.99/mo (Standard→Metal) | Free |
| Směnný kurz | Mid-market weekdays; ~1% weekend on Standard | Applies on international remittances |
| Odeslat / přijmout | Free between Revolut users | Tiered send fees by amount |
| Výběry | Free up to a monthly limit, then ~2% | Tiered agent cash-out fees |
| Karta | Yes — virtual & physical debit; Metal on premium | Limited — virtual/partner cards in some markets; core is phone-based |
| Dostupnost | 40+ markets; cards usable in 160+ countries | Multi-country in Africa |
| Měny | 30+ in-app (spend in 120+) | KES & local currencies |
| Regulace | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Kenya & national regulators; Safaricom/Vodacom |
| Založeno | 2015 | 2007 |
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.
Klady
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Zápory
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
M-Pesa
M-Pesa is Africa's largest mobile money service, serving over 60 million customers and providing banking-like access via basic phones and a vast agent network without needing a traditional bank account. It supports transfers, bill pay, savings, loans and cross-border remittances across several African markets. A transformative financial tool within its regions.
Klady
- 60M+ customers; access without a bank account
- Works on basic phones via USSD
- Huge agent network for cash in/out
Zápory
- Tiered send & withdrawal fees add up
- Limited to specific African markets
- Cash-out depends on agent liquidity
Závěr
Celkově se Revolut dostává mírně dopředu se skóre 4.4 oproti 4.1 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.