Revolut vs Wise
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Wise |
|---|---|---|
| Оценка | 4.4 / 5 | 4.5 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Cheap, transparent international transfers |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free (one-time card fee in some regions) |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Mid-market + transparent fee (often <0.5%) |
| Отправка / получение | Free between Revolut users | Low variable fee (~0.33%+) |
| Выводы средств | Free up to a monthly limit, then ~2% | Free up to a monthly cap, then small fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual debit Mastercard |
| Доступность | 40+ markets; cards usable in 160+ countries | 160+ countries |
| Валюты | 30+ in-app (spend in 120+) | 40+ currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | FCA (UK), NBB (Belgium), FinCEN (US) |
| Основан | 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.
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
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.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Итог
В целом Wise выходит вперёд с оценкой 4.5 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.