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) | Free plan → paid Prime |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Interbank on weekdays (limits apply) |
| Отправка / получение | Free between Revolut users | Free SEPA transfers |
| Выводы средств | Free up to a monthly limit, then ~2% | Free ATM up to a cap, then fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (metal on premium) |
| Доступность | 40+ markets; cards usable in 160+ countries | Several EU markets |
| Валюты | 30+ in-app (spend in 120+) | EUR + multi-currency pockets |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | BaFin via partner bank (Solaris); EEA |
| 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-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.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
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.