Revolut vs Zelle
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Zelle |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.9 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Instant payments between US bank accounts |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Надсилання / отримання | Free between Revolut users | Free bank-to-bank |
| Виведення коштів | Free up to a monthly limit, then ~2% | N/A — funds go straight to your bank |
| Картка | Yes — virtual & physical debit; Metal on premium | No — works inside your bank's app |
| Доступність | 40+ markets; cards usable in 160+ countries | United States |
| Валюти | 30+ in-app (spend in 120+) | USD |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | Operated by Early Warning Services (US banks) |
| Засновано | 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.
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
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.
Плюси
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Мінуси
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.9 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.