Revolut vs Paysera
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Revolut | Paysera |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.8 / 5 |
| Ideal para | Travel spending and an all-in-one app | Cheap SEPA transfers & small-business accounts |
| Comisión mensual | Free to ~$16.99/mo (Standard→Metal) | Free account |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | Competitive conversion |
| Enviar / recibir | Free between Revolut users | Low SEPA fees |
| Retiradas | Free up to a monthly limit, then ~2% | Low ATM fees |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (region-dependent) |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | EEA + global transfers |
| Divisas | 30+ in-app (spend in 120+) | 20+ currencies |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | Bank of Lithuania (EMI) |
| Fundación | 2015 | 2004 |
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.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Paysera
Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses. Its interface is more functional than flashy, but the pricing is among the cheapest in the EU.
Pros
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Contras
- Interface feels dated
- Support is mainly online
- Card availability varies by country
En resumen
En conjunto, Revolut se adelanta con una puntuación de 4.4 frente a 3.8, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.