Revolut vs Zelle
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | Zelle |
|---|---|---|
| Оценка | 4.4 / 5 | 3.9 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Instant payments between US bank accounts |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Отправка / получение | Free between Revolut users | Free bank-to-bank |
| Выводы средств | Free up to a monthly limit, then ~2% | N/A — funds go straight to your bank |
| Карта | Yes — virtual & physical debit; Metal on premium | No — works inside your bank's app |
| Доступность | 40+ markets; cards usable in 160+ countries | United States |
| Валюты | 30+ in-app (spend in 120+) | USD |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | Operated by Early Warning Services (US banks) |
| Основан | 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.
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
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.
Плюсы
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Минусы
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.9 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.