Revolut vs Payoneer
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Payoneer |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Freelancers & marketplaces getting paid globally |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Up to ~3.5% |
| Отправка / получение | Free between Revolut users | Free Payoneer-to-Payoneer |
| Выводы средств | Free up to a monthly limit, then ~2% | Fee to local bank (varies by currency) |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — prepaid business Mastercard (where eligible) |
| Доступность | 40+ markets; cards usable in 160+ countries | 190+ countries/territories |
| Валюты | 30+ in-app (spend in 120+) | 70+ currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), FCA / Central Bank of Ireland |
| Основан | 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.
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
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.
Плюсы
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Минусы
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.