Revolut vs WeChat Pay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | WeChat Pay |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | In-app payments & P2P in China |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | 3% foreign-card fee on ¥200+ (waivers apply) |
| Отправка / получение | Free between Revolut users | Free P2P in China; ~0.1% to bank |
| Выводы средств | Free up to a monthly limit, then ~2% | ~0.1% to bank card |
| Карта | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Доступность | 40+ markets; cards usable in 160+ countries | China-centric; cross-border via partners |
| Валюты | 30+ in-app (spend in 120+) | CNY; foreign cards for visitors |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Tencent/Tenpay |
| Основан | 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.
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
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.
Плюсы
- Over a billion payment users in WeChat
- Seamless chat-integrated transfers & red packets
- Near-universal QR acceptance across China
Минусы
- Tied to WeChat; mainly useful in China
- 3% foreign-card fee above ¥200 after intro
- Verification tricky for foreigners
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.