Revolut vs Venmo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Venmo |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Splitting bills with US friends |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | N/A (US-only) |
| Отправка / получение | Free between Revolut users | Free from balance/bank/debit; instant 1.75% |
| Выводы средств | Free up to a monthly limit, then ~2% | Standard free; instant 1.75% |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Venmo Visa debit (and a Visa credit card) |
| Доступность | 40+ markets; cards usable in 160+ countries | United States only |
| Валюты | 30+ in-app (spend in 120+) | USD |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FinCEN (MSB), US state licences; PayPal-owned |
| Основан | 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.
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
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.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.