Revolut vs Venmo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Venmo |
|---|---|---|
| Note | 4.4 / 5 | 4.1 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Splitting bills with US friends |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | N/A (US-only) |
| Envoyer / recevoir | Free between Revolut users | Free from balance/bank/debit; instant 1.75% |
| Retraits | Free up to a monthly limit, then ~2% | Standard free; instant 1.75% |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — Venmo Visa debit (and a Visa credit card) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | United States only |
| Devises | 30+ in-app (spend in 120+) | USD |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (MSB), US state licences; PayPal-owned |
| Création | 2015 | 2009 |
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.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.