Revolut vs Payz
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Payz |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.5 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Established multi-currency wallet for gaming |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | No standard monthly fee |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | ~2.99% standard tier |
| Надсилання / отримання | Free between Revolut users | Free P2P from Gold VIP up |
| Виведення коштів | Free up to a monthly limit, then ~2% | Varies by method & VIP tier |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — Mastercard (Silver VIP tier and above) |
| Доступність | 40+ markets; cards usable in 160+ countries | 180+ countries |
| Валюти | 30+ in-app (spend in 120+) | 45+ currencies |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | UK FCA (PSI-Pay Ltd) |
| Засновано | 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.
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
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.
Плюси
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Мінуси
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.5 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.