Revolut vs Payz
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Revolut | Payz |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.5 / 5 |
| Ideal para | Travel spending and an all-in-one app | Established multi-currency wallet for gaming |
| Comisión mensual | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | ~2.99% standard tier |
| Enviar / recibir | Free between Revolut users | Free P2P from Gold VIP up |
| Retiradas | Free up to a monthly limit, then ~2% | Varies by method & VIP tier |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (Silver VIP tier and above) |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | 180+ countries |
| Divisas | 30+ in-app (spend in 120+) | 45+ currencies |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA (PSI-Pay Ltd) |
| Fundación | 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.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- 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.
Pros
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Contras
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
En resumen
En conjunto, Revolut se adelanta con una puntuación de 4.4 frente a 3.5, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.