Revolut vs Monese
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Monese |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.2 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Opening an account without local credit history |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid plans available |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | FX fee on free plan; lower on paid |
| Надсилання / отримання | Free between Revolut users | Free Monese-to-Monese |
| Виведення коштів | Free up to a monthly limit, then ~2% | Monthly free cap, then fee |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — debit card |
| Доступність | 40+ markets; cards usable in 160+ countries | UK + EEA |
| Валюти | 30+ in-app (spend in 120+) | GBP, EUR, RON (hold others) |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA; EEA e-money via partners |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Мінуси
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.2 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.