Revolut vs Payoneer
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Payoneer |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Freelancers & marketplaces getting paid globally |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Up to ~3.5% |
| Envoyer / recevoir | Free between Revolut users | Free Payoneer-to-Payoneer |
| Retraits | Free up to a monthly limit, then ~2% | Fee to local bank (varies by currency) |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — prepaid business Mastercard (where eligible) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | 190+ countries/territories |
| Devises | 30+ in-app (spend in 120+) | 70+ currencies |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), FCA / Central Bank of Ireland |
| Création | 2015 | 2005 |
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
Payoneer
Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork. It reaches 190+ countries, including markets others struggle with. Currency conversion can cost up to ~3.5% and a low-activity card fee applies, so it shines more for business than personal use.
Avantages
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Inconvénients
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.