Revolut vs Payz
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Payz |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Established multi-currency wallet for gaming |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | ~2.99% standard tier |
| Отправка / получение | Free between Revolut users | Free P2P from Gold VIP up |
| Выводы средств | Free up to a monthly limit, then ~2% | Varies by method & VIP tier |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (Silver VIP tier and above) |
| Доступность | 40+ markets; cards usable in 160+ countries | 180+ countries |
| Валюты | 30+ in-app (spend in 120+) | 45+ currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA (PSI-Pay Ltd) |
| Основан | 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.
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
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.
Плюсы
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Минусы
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.