Revolut vs Paytm
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Revolut | Paytm |
|---|---|---|
| Skóre | 4.4 / 5 | 3.9 / 5 |
| Nejlepší pro | Travel spending and an all-in-one app | UPI payments & bill pay in India |
| Měsíční poplatek | Free to ~$16.99/mo (Standard→Metal) | Free |
| Směnný kurz | Mid-market weekdays; ~1% weekend on Standard | N/A (domestic) |
| Odeslat / přijmout | Free between Revolut users | UPI P2P free; wallet top-up fees vary |
| Výběry | Free up to a monthly limit, then ~2% | Wallet-to-bank may carry a small fee |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — co-branded debit/credit via partner banks |
| Dostupnost | 40+ markets; cards usable in 160+ countries | India (primarily) |
| Měny | 30+ in-app (spend in 120+) | INR |
| Regulace | Bank of Lithuania (ECB), UK banking licence, FCA | RBI / NPCI; One97 Communications |
| Založeno | 2015 | 2010 |
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.
Klady
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Zápory
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Paytm
Paytm is one of India's pioneering payment super-apps, offering free UPI transfers, wide QR merchant acceptance, bill payments, ticketing and investing in a single app. It has faced significant RBI regulatory setbacks, including the cancellation of Paytm Payments Bank, which weigh on trust. A capable all-in-one option for users in India.
Klady
- Hundreds of millions of users in India
- Free UPI peer-to-peer transfers
- Broad merchant QR acceptance & Soundbox
Zápory
- Essentially India-only
- Hit by RBI actions (Payments Bank licence cancelled)
- Some wallet top-up & transfer fees
Závěr
Celkově se Revolut dostává mírně dopředu se skóre 4.4 oproti 3.9 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.