Revolut vs Paysera
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Paysera |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Cheap SEPA transfers & small-business accounts |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free account |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Competitive conversion |
| Отправка / получение | Free between Revolut users | Low SEPA fees |
| Выводы средств | Free up to a monthly limit, then ~2% | Low ATM fees |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (region-dependent) |
| Доступность | 40+ markets; cards usable in 160+ countries | EEA + global transfers |
| Валюты | 30+ in-app (spend in 120+) | 20+ currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | Bank of Lithuania (EMI) |
| Основан | 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.
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
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.
Плюсы
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Минусы
- Interface feels dated
- Support is mainly online
- Card availability varies by country
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.