Revolut vs Wirex
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Wirex |
|---|---|---|
| Оценка | 4.4 / 5 | 3.7 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Spending crypto in everyday life |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free; optional premium tiers |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Interbank/OTC, no exchange fee on spend |
| Отправка / получение | Free between Revolut users | Free Wirex-to-Wirex; crypto network fees |
| Выводы средств | Free up to a monthly limit, then ~2% | Free ATM ~$200/mo, then ~2% |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — debit card spending crypto & fiat |
| Доступность | 40+ markets; cards usable in 160+ countries | ~35 countries |
| Валюты | 30+ in-app (spend in 120+) | 34+ fiat & crypto; 130+ cryptoassets |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-registered (crypto); e-money permissions |
| Основан | 2015 | 2014 |
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
Wirex
Wirex is a crypto-focused money app and card letting users spend both cryptocurrency and fiat in everyday life, with tiered Cryptoback rewards that reach high rates for users locking large amounts of its WXT token. It supports 130+ cryptoassets and charges no annual card fee. As a crypto-centric e-money product rather than a bank, balances carry volatility and lack deposit protection.
Плюсы
- Spend crypto and fiat from one card
- Tiered Cryptoback rewards
- No annual card fee
Минусы
- Top rewards require large WXT lockups
- Crypto exposure carries volatility risk
- Coverage limited to ~35 countries
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.7 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.