Revolut vs Paysera
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Paysera |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Cheap SEPA transfers & small-business accounts |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free account |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Competitive conversion |
| Wysyłanie / odbiór | Free between Revolut users | Low SEPA fees |
| Wypłaty | Free up to a monthly limit, then ~2% | Low ATM fees |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (region-dependent) |
| Dostępność | 40+ markets; cards usable in 160+ countries | EEA + global transfers |
| Waluty | 30+ in-app (spend in 120+) | 20+ currencies |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | Bank of Lithuania (EMI) |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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.
Zalety
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Wady
- Interface feels dated
- Support is mainly online
- Card availability varies by country
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.