Revolut vs PayPal
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | PayPal |
|---|---|---|
| Оценка | 4.4 / 5 | 3.6 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Online shopping & buyer protection |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | ~3–4% above wholesale rate |
| Отправка / получение | Free between Revolut users | Free friends/family same currency; goods & services fees apply |
| Выводы средств | Free up to a monthly limit, then ~2% | Free standard bank transfer; ~1% instant |
| Карта | Yes — virtual & physical debit; Metal on premium | Limited (debit/credit in some markets, e.g. US) |
| Доступность | 40+ markets; cards usable in 160+ countries | 200+ countries/regions |
| Валюты | 30+ in-app (spend in 120+) | 25 currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), Luxembourg CSSF (EU) |
| Основан | 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.
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
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.
Плюсы
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Минусы
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.