Revolut vs Vivid
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Vivid |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Cashback, saving and investing in one app |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | 1% over the Visa rate on non-euro card payments |
| Отправка / получение | Free between Revolut users | Free SEPA and instant SEPA; no SWIFT |
| Выводы средств | Free up to a monthly limit, then ~2% | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (metal on premium) |
| Доступность | 40+ markets; cards usable in 160+ countries | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Валюты | 30+ in-app (spend in 120+) | EUR (only supported retail currency) |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Основан | 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.
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
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.