Revolut vs Payz
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Revolut | Payz |
|---|---|---|
| Skóre | 4.4 / 5 | 3.5 / 5 |
| Nejlepší pro | Travel spending and an all-in-one app | Established multi-currency wallet for gaming |
| Měsíční poplatek | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Směnný kurz | Mid-market weekdays; ~1% weekend on Standard | ~2.99% standard tier |
| Odeslat / přijmout | Free between Revolut users | Free P2P from Gold VIP up |
| Výběry | Free up to a monthly limit, then ~2% | Varies by method & VIP tier |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (Silver VIP tier and above) |
| Dostupnost | 40+ markets; cards usable in 160+ countries | 180+ countries |
| Měny | 30+ in-app (spend in 120+) | 45+ currencies |
| Regulace | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA (PSI-Pay Ltd) |
| Založeno | 2015 | 2000 |
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
Payz
Payz is the rebrand of ecoPayz, one of the oldest e-wallets (since 2000), run by FCA-regulated PSI-Pay and offering 45+ currencies worldwide with a Mastercard and a tiered VIP programme. Its standout is a ~2.99% FX rate, undercutting Skrill and Neteller, though the best perks and the card are gated behind VIP tiers. A dependable, slightly cheaper alternative for everyday multi-currency use.
Klady
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Zápory
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Závěr
Celkově se Revolut dostává mírně dopředu se skóre 4.4 oproti 3.5 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.