Revolut vs ZEN.com
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | ZEN.com |
|---|---|---|
| Оценка | 4.4 / 5 | 3.6 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Everyday spending with cashback |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid premium tiers |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Отправка / получение | Free between Revolut users | Free ZEN-to-ZEN |
| Выводы средств | Free up to a monthly limit, then ~2% | Free ATM allowance by plan, then a % fee |
| Карта | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical Mastercard |
| Доступность | 40+ markets; cards usable in 160+ countries | Countries listed by ZEN (check zen.com) |
| Валюты | 30+ in-app (spend in 120+) | Multiple currencies (see ZEN fee page) |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Основан | 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.
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
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.
Плюсы
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Минусы
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.