Revolut vs WeChat Pay
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Revolut | WeChat Pay |
|---|---|---|
| Skóre | 4.4 / 5 | 4.1 / 5 |
| Nejlepší pro | Travel spending and an all-in-one app | In-app payments & P2P in China |
| Měsíční poplatek | Free to ~$16.99/mo (Standard→Metal) | Free |
| Směnný kurz | Mid-market weekdays; ~1% weekend on Standard | 3% foreign-card fee on ¥200+ (waivers apply) |
| Odeslat / přijmout | Free between Revolut users | Free P2P in China; ~0.1% to bank |
| Výběry | Free up to a monthly limit, then ~2% | ~0.1% to bank card |
| Karta | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Dostupnost | 40+ markets; cards usable in 160+ countries | China-centric; cross-border via partners |
| Měny | 30+ in-app (spend in 120+) | CNY; foreign cards for visitors |
| Regulace | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Tencent/Tenpay |
| Založeno | 2015 | 2013 |
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.
Klady
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Zápory
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
WeChat Pay
WeChat Pay is Tencent's payment layer inside the WeChat super-app, with more than a billion users and ubiquitous QR acceptance across China, making chat-integrated transfers and red packets effortless. Recent fee waivers have made it easier for foreign visitors to onboard. Like Alipay, it is indispensable in China but of limited utility abroad.
Klady
- Over a billion payment users in WeChat
- Seamless chat-integrated transfers & red packets
- Near-universal QR acceptance across China
Zápory
- Tied to WeChat; mainly useful in China
- 3% foreign-card fee above ¥200 after intro
- Verification tricky for foreigners
Závěr
Celkově se Revolut dostává mírně dopředu se skóre 4.4 oproti 4.1 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.