Revolut vs Payoneer
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Payoneer |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Freelancers & marketplaces getting paid globally |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Up to ~3.5% |
| Wysyłanie / odbiór | Free between Revolut users | Free Payoneer-to-Payoneer |
| Wypłaty | Free up to a monthly limit, then ~2% | Fee to local bank (varies by currency) |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — prepaid business Mastercard (where eligible) |
| Dostępność | 40+ markets; cards usable in 160+ countries | 190+ countries/territories |
| Waluty | 30+ in-app (spend in 120+) | 70+ currencies |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), FCA / Central Bank of Ireland |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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.
Zalety
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Wady
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.