Revolut vs ZEN.com
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | ZEN.com |
|---|---|---|
| Ocena | 4.4 / 5 | 3.6 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Everyday spending with cashback |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid premium tiers |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Wysyłanie / odbiór | Free between Revolut users | Free ZEN-to-ZEN |
| Wypłaty | Free up to a monthly limit, then ~2% | Free ATM allowance by plan, then a % fee |
| Karta | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical Mastercard |
| Dostępność | 40+ markets; cards usable in 160+ countries | Countries listed by ZEN (check zen.com) |
| Waluty | 30+ in-app (spend in 120+) | Multiple currencies (see ZEN fee page) |
| Regulacja | Bank of Lithuania (ECB), UK banking licence, FCA | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Założono | 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.
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
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.
Zalety
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Wady
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.6 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.