Revolut vs Paytm
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Paytm |
|---|---|---|
| Оценка | 4.4 / 5 | 3.9 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | UPI payments & bill pay in India |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | N/A (domestic) |
| Отправка / получение | Free between Revolut users | UPI P2P free; wallet top-up fees vary |
| Выводы средств | Free up to a monthly limit, then ~2% | Wallet-to-bank may carry a small fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — co-branded debit/credit via partner banks |
| Доступность | 40+ markets; cards usable in 160+ countries | India (primarily) |
| Валюты | 30+ in-app (spend in 120+) | INR |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | RBI / NPCI; One97 Communications |
| Основан | 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.
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
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.
Плюсы
- Hundreds of millions of users in India
- Free UPI peer-to-peer transfers
- Broad merchant QR acceptance & Soundbox
Минусы
- Essentially India-only
- Hit by RBI actions (Payments Bank licence cancelled)
- Some wallet top-up & transfer fees
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.9 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.