Revolut vs N26
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | N26 |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.0 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Everyday banking in the Eurozone |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free → €16.90/mo (Metal) |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Mid-market on card payments |
| Надсилання / отримання | Free between Revolut users | Free SEPA transfers in EUR |
| Виведення коштів | Free up to a monthly limit, then ~2% | Limited free EUR; foreign ATM fee on free plan |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — debit Mastercard; stainless on Metal |
| Доступність | 40+ markets; cards usable in 160+ countries | ~24 European markets |
| Валюти | 30+ in-app (spend in 120+) | EUR account; spends worldwide at mid-market |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | BaFin / German full banking licence (ECB) |
| Засновано | 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.
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
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.
Плюси
- Full German banking licence, €100k protection
- No FX markup on card spending
- Clean, well-designed mobile app
Мінуси
- EUR-only account; not truly multi-currency
- Available only in select European markets
- ATM withdrawal limits/fees on free plan
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.