Revolut vs Vivid
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Revolut | Vivid |
|---|---|---|
| Bewertung | 4.4 / 5 | 3.8 / 5 |
| Ideal für | Travel spending and an all-in-one app | Cashback, saving and investing in one app |
| Monatsgebühr | Free to ~$16.99/mo (Standard→Metal) | Free plan → paid Prime |
| Wechselkurs | Mid-market weekdays; ~1% weekend on Standard | Interbank on weekdays (limits apply) |
| Senden / Empfangen | Free between Revolut users | Free SEPA transfers |
| Auszahlungen | Free up to a monthly limit, then ~2% | Free ATM up to a cap, then fee |
| Karte | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (metal on premium) |
| Verfügbarkeit | 40+ markets; cards usable in 160+ countries | Several EU markets |
| Währungen | 30+ in-app (spend in 120+) | EUR + multi-currency pockets |
| Regulierung | Bank of Lithuania (ECB), UK banking licence, FCA | BaFin via partner bank (Solaris); EEA |
| Gegründet | 2015 | 2020 |
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.
Vorteile
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Nachteile
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Vivid
Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though the strongest perks sit behind its Prime plan and it operates through partner bank Solaris across a limited set of EU markets.
Vorteile
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Nachteile
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
Das Fazit
Insgesamt liegt Revolut mit einer Bewertung von 4.4 gegenüber 3.8 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.