Revolut vs Zelle
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | Zelle |
|---|---|---|
| Ocena | 4.4 / 5 | 3.9 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Instant payments between US bank accounts |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Wysyłanie / odbiór | Free between Revolut users | Free bank-to-bank |
| Wypłaty | Free up to a monthly limit, then ~2% | N/A — funds go straight to your bank |
| Karta | Yes — virtual & physical debit; Metal on premium | No — works inside your bank's app |
| Dostępność | 40+ markets; cards usable in 160+ countries | United States |
| Waluty | 30+ in-app (spend in 120+) | USD |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | Operated by Early Warning Services (US banks) |
| Założono | 2015 | 2017 |
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
Zelle
Zelle is a US bank-to-bank payment network built into most American banking apps, moving money between accounts instantly and for free with no separate wallet. It is ideal for paying people you know within the US, but offers no payment protection, no balance or card of its own, and is a frequent target of scams.
Zalety
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Wady
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.9 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.