Revolut vs Paytm
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Revolut | Paytm |
|---|---|---|
| Skóre | 4.4 / 5 | 3.9 / 5 |
| Najlepšia na | Travel spending and an all-in-one app | UPI payments & bill pay in India |
| Mesačný poplatok | Free to ~$16.99/mo (Standard→Metal) | Free |
| Výmenný kurz | Mid-market weekdays; ~1% weekend on Standard | N/A (domestic) |
| Odoslať / prijať | Free between Revolut users | UPI P2P free; wallet top-up fees vary |
| Výbery | 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 |
| Dostupnosť | 40+ markets; cards usable in 160+ countries | India (primarily) |
| Meny | 30+ in-app (spend in 120+) | INR |
| Regulácia | Bank of Lithuania (ECB), UK banking licence, FCA | RBI / NPCI; One97 Communications |
| Založené | 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.
Výhody
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Nevýhody
- 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.
Výhody
- Hundreds of millions of users in India
- Free UPI peer-to-peer transfers
- Broad merchant QR acceptance & Soundbox
Nevýhody
- Essentially India-only
- Hit by RBI actions (Payments Bank licence cancelled)
- Some wallet top-up & transfer fees
Záverečné zhrnutie
Celkovo sa Revolut dostáva dopredu so skóre 4.4 oproti 3.9 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.