Revolut vs M-Pesa
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | M-Pesa |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Mobile money & remittances in Africa |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Applies on international remittances |
| Отправка / получение | Free between Revolut users | Tiered send fees by amount |
| Выводы средств | Free up to a monthly limit, then ~2% | Tiered agent cash-out fees |
| Карта | Yes — virtual & physical debit; Metal on premium | Limited — virtual/partner cards in some markets; core is phone-based |
| Доступность | 40+ markets; cards usable in 160+ countries | Multi-country in Africa |
| Валюты | 30+ in-app (spend in 120+) | KES & local currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Kenya & national regulators; Safaricom/Vodacom |
| Основан | 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.
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
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.
Плюсы
- 60M+ customers; access without a bank account
- Works on basic phones via USSD
- Huge agent network for cash in/out
Минусы
- Tiered send & withdrawal fees add up
- Limited to specific African markets
- Cash-out depends on agent liquidity
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.