Revolut vs Payoneer
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Payoneer |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.8 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Freelancers & marketplaces getting paid globally |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Up to ~3.5% |
| Надсилання / отримання | Free between Revolut users | Free Payoneer-to-Payoneer |
| Виведення коштів | Free up to a monthly limit, then ~2% | Fee to local bank (varies by currency) |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — prepaid business Mastercard (where eligible) |
| Доступність | 40+ markets; cards usable in 160+ countries | 190+ countries/territories |
| Валюти | 30+ in-app (spend in 120+) | 70+ currencies |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), FCA / Central Bank of Ireland |
| Засновано | 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.
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
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.
Плюси
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Мінуси
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.8 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.