Revolut vs WeChat Pay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | WeChat Pay |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.1 / 5 |
| Найкраще для | Travel spending and an all-in-one app | In-app payments & P2P in China |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | 3% foreign-card fee on ¥200+ (waivers apply) |
| Надсилання / отримання | Free between Revolut users | Free P2P in China; ~0.1% to bank |
| Виведення коштів | Free up to a monthly limit, then ~2% | ~0.1% to bank card |
| Картка | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Доступність | 40+ markets; cards usable in 160+ countries | China-centric; cross-border via partners |
| Валюти | 30+ in-app (spend in 120+) | CNY; foreign cards for visitors |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Tencent/Tenpay |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Over a billion payment users in WeChat
- Seamless chat-integrated transfers & red packets
- Near-universal QR acceptance across China
Мінуси
- Tied to WeChat; mainly useful in China
- 3% foreign-card fee above ¥200 after intro
- Verification tricky for foreigners
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 4.1 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.