Revolut vs MiFinity
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | MiFinity |
|---|---|---|
| Ocena | 4.4 / 5 | 3.4 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | International online payments |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Conversion margin applies |
| Wysyłanie / odbiór | Free between Revolut users | Free wallet-to-wallet |
| Wypłaty | Free up to a monthly limit, then ~2% | Varies by method |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — prepaid Mastercard (select regions) |
| Dostępność | 40+ markets; cards usable in 160+ countries | 100+ countries |
| Waluty | 30+ in-app (spend in 120+) | Multiple major currencies |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Ireland; Isle of Man FSA |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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.
Zalety
- Supports many local payment methods and currencies
- Fast wallet-to-wallet transfers
- eVoucher top-up option
Wady
- Conversion and withdrawal fees vary
- Card availability is region-dependent
- Lower brand recognition than PayPal or Skrill
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.