Revolut vs PayPal
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | PayPal |
|---|---|---|
| Note | 4.4 / 5 | 3.6 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Online shopping & buyer protection |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | ~3–4% above wholesale rate |
| Envoyer / recevoir | Free between Revolut users | Free friends/family same currency; goods & services fees apply |
| Retraits | Free up to a monthly limit, then ~2% | Free standard bank transfer; ~1% instant |
| Carte | Yes — virtual & physical debit; Metal on premium | Limited (debit/credit in some markets, e.g. US) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | 200+ countries/regions |
| Devises | 30+ in-app (spend in 120+) | 25 currencies |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), Luxembourg CSSF (EU) |
| Création | 2015 | 1998 |
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
PayPal
PayPal is the most widely accepted online payment service, valued for its buyer protection and near-universal merchant coverage. Its convenience comes at a cost: currency conversion markups of roughly 3–4% and layered international fees make it expensive for cross-border transfers compared with dedicated specialists. Best suited to online shopping rather than low-cost money movement.
Avantages
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Inconvénients
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.