Revolut vs ZEN.com
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | ZEN.com |
|---|---|---|
| Note | 4.4 / 5 | 3.6 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Everyday spending with cashback |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid premium tiers |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Envoyer / recevoir | Free between Revolut users | Free ZEN-to-ZEN |
| Retraits | Free up to a monthly limit, then ~2% | Free ATM allowance by plan, then a % fee |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical Mastercard |
| Disponibilité | 40+ markets; cards usable in 160+ countries | Countries listed by ZEN (check zen.com) |
| Devises | 30+ in-app (spend in 120+) | Multiple currencies (see ZEN fee page) |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Création | 2015 | 2019 |
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.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
ZEN.com
ZEN.com is a Lithuanian, EEA-licensed money app offering a multi-currency account, virtual and physical Mastercards, cashback and an extended buyer-protection feature. It is a capable everyday-spending option in Europe, with the best rates and perks gated behind paid tiers and a relatively young brand.
Avantages
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Inconvénients
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.