Revolut vs MiFinity
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | MiFinity |
|---|---|---|
| Note | 4.4 / 5 | 3.4 / 5 |
| Idéal pour | Travel spending and an all-in-one app | International online payments |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Conversion margin applies |
| Envoyer / recevoir | Free between Revolut users | Free wallet-to-wallet |
| Retraits | Free up to a monthly limit, then ~2% | Varies by method |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — prepaid Mastercard (select regions) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | 100+ countries |
| Devises | 30+ in-app (spend in 120+) | Multiple major currencies |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Ireland; Isle of Man FSA |
| Création | 2015 | 2015 |
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.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
MiFinity
MiFinity is an Ireland-based e-wallet used for online payments across 100+ countries, supporting many local funding methods, multiple currencies, eVouchers and an optional prepaid Mastercard. Its strength is broad payment-method and currency coverage, though conversion and withdrawal costs vary and brand recognition trails the larger wallets.
Avantages
- Supports many local payment methods and currencies
- Fast wallet-to-wallet transfers
- eVoucher top-up option
Inconvénients
- Conversion and withdrawal fees vary
- Card availability is region-dependent
- Lower brand recognition than PayPal or Skrill
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.4 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.