Revolut vs Paytm
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Paytm |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.9 / 5 |
| Найкраще для | Travel spending and an all-in-one app | UPI payments & bill pay in India |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | N/A (domestic) |
| Надсилання / отримання | Free between Revolut users | UPI P2P free; wallet top-up fees vary |
| Виведення коштів | Free up to a monthly limit, then ~2% | Wallet-to-bank may carry a small fee |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — co-branded debit/credit via partner banks |
| Доступність | 40+ markets; cards usable in 160+ countries | India (primarily) |
| Валюти | 30+ in-app (spend in 120+) | INR |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | RBI / NPCI; One97 Communications |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Hundreds of millions of users in India
- Free UPI peer-to-peer transfers
- Broad merchant QR acceptance & Soundbox
Мінуси
- Essentially India-only
- Hit by RBI actions (Payments Bank licence cancelled)
- Some wallet top-up & transfer fees
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.9 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.