Revolut vs M-Pesa
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Revolut | M-Pesa |
|---|---|---|
| Skóre | 4.4 / 5 | 4.1 / 5 |
| Najlepšia na | Travel spending and an all-in-one app | Mobile money & remittances in Africa |
| Mesačný poplatok | Free to ~$16.99/mo (Standard→Metal) | Free |
| Výmenný kurz | Mid-market weekdays; ~1% weekend on Standard | Applies on international remittances |
| Odoslať / prijať | Free between Revolut users | Tiered send fees by amount |
| Výbery | 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 |
| Dostupnosť | 40+ markets; cards usable in 160+ countries | Multi-country in Africa |
| Meny | 30+ in-app (spend in 120+) | KES & local currencies |
| Regulácia | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Kenya & national regulators; Safaricom/Vodacom |
| Založené | 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.
Výhody
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Nevýhody
- 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.
Výhody
- 60M+ customers; access without a bank account
- Works on basic phones via USSD
- Huge agent network for cash in/out
Nevýhody
- Tiered send & withdrawal fees add up
- Limited to specific African markets
- Cash-out depends on agent liquidity
Záverečné zhrnutie
Celkovo sa Revolut dostáva dopredu so skóre 4.4 oproti 4.1 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.