Revolut vs Monese
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Monese |
|---|---|---|
| Оценка | 4.4 / 5 | 3.2 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Opening an account without local credit history |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid plans available |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | FX fee on free plan; lower on paid |
| Отправка / получение | Free between Revolut users | Free Monese-to-Monese |
| Выводы средств | Free up to a monthly limit, then ~2% | Monthly free cap, then fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — debit card |
| Доступность | 40+ markets; cards usable in 160+ countries | UK + EEA |
| Валюты | 30+ in-app (spend in 120+) | GBP, EUR, RON (hold others) |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA; EEA e-money via partners |
| Основан | 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.
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
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Плюсы
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Минусы
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.2 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.