Revolut vs Wise
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Wise |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.5 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Cheap, transparent international transfers |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free (one-time card fee in some regions) |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Mid-market + transparent fee (often <0.5%) |
| Надсилання / отримання | Free between Revolut users | Low variable fee (~0.33%+) |
| Виведення коштів | Free up to a monthly limit, then ~2% | Free up to a monthly cap, then small fee |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual debit Mastercard |
| Доступність | 40+ markets; cards usable in 160+ countries | 160+ countries |
| Валюти | 30+ in-app (spend in 120+) | 40+ currencies |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | FCA (UK), NBB (Belgium), FinCEN (US) |
| Засновано | 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.
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
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.
Плюси
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Мінуси
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Підсумок
Загалом Wise вириває перевагу з оцінкою 4.5 проти 4.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.