Revolut vs Wise
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Wise |
|---|---|---|
| Ocena | 4.4 / 5 | 4.5 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Cheap, transparent international transfers |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free (one-time card fee in some regions) |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Mid-market + transparent fee (often <0.5%) |
| Wysyłanie / odbiór | Free between Revolut users | Low variable fee (~0.33%+) |
| Wypłaty | Free up to a monthly limit, then ~2% | Free up to a monthly cap, then small fee |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual debit Mastercard |
| Dostępność | 40+ markets; cards usable in 160+ countries | 160+ countries |
| Waluty | 30+ in-app (spend in 120+) | 40+ currencies |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | FCA (UK), NBB (Belgium), FinCEN (US) |
| Założono | 2015 | 2011 |
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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Zalety
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Wady
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Podsumowanie
Ogólnie Wise wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.