Revolut vs MuchBetter
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | MuchBetter |
|---|---|---|
| Note | 4.4 / 5 | 3.7 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Mobile deposits & withdrawals |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | ~0.99% on major currencies |
| Envoyer / recevoir | Free between Revolut users | Free P2P; free SEPA/bank top-ups |
| Retraits | Free up to a monthly limit, then ~2% | ~2% to bank; ~0.99% ATM |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard plus contactless wearables |
| Disponibilité | 40+ markets; cards usable in 160+ countries | Most countries (excl. US) |
| Devises | 30+ in-app (spend in 120+) | Multiple major currencies |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA (e-money institution) |
| Création | 2015 | 2017 |
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
MuchBetter
MuchBetter is an FCA-regulated, mobile-first e-wallet built around fast mobile deposits and withdrawals, with a slick app, low ~0.99% FX and novel contactless wearables. Free SEPA top-ups and P2P keep costs down, though card-funding fees can climb toward 5% in some markets and it is unavailable in the US. A strong pick for mobile-centric users.
Avantages
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Inconvénients
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.