Revolut vs N26
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | N26 |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Everyday banking in the Eurozone |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free → €16.90/mo (Metal) |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Mid-market on card payments |
| Отправка / получение | Free between Revolut users | Free SEPA transfers in EUR |
| Выводы средств | Free up to a monthly limit, then ~2% | Limited free EUR; foreign ATM fee on free plan |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — debit Mastercard; stainless on Metal |
| Доступность | 40+ markets; cards usable in 160+ countries | ~24 European markets |
| Валюты | 30+ in-app (spend in 120+) | EUR account; spends worldwide at mid-market |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | BaFin / German full banking licence (ECB) |
| Основан | 2015 | 2013 |
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
N26
N26 is a Berlin-based mobile bank with a full German banking licence and €100,000 deposit protection, offering a polished app and fee-free card spending at the mid-market rate. It is EUR-centric and limited to around two dozen European markets, so it is not a true multi-currency account. Best for clean everyday banking within the Eurozone.
Плюсы
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Минусы
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.