Revolut vs PayPal
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | PayPal |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.6 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Online shopping & buyer protection |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | ~3–4% above wholesale rate |
| Надсилання / отримання | Free between Revolut users | Free friends/family same currency; goods & services fees apply |
| Виведення коштів | Free up to a monthly limit, then ~2% | Free standard bank transfer; ~1% instant |
| Картка | Yes — virtual & physical debit; Metal on premium | Limited (debit/credit in some markets, e.g. US) |
| Доступність | 40+ markets; cards usable in 160+ countries | 200+ countries/regions |
| Валюти | 30+ in-app (spend in 120+) | 25 currencies |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (US), Luxembourg CSSF (EU) |
| Засновано | 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.
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
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.
Плюси
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Мінуси
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.