Revolut vs ZEN.com
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | ZEN.com |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.6 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Everyday spending with cashback |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free plan; paid premium tiers |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Надсилання / отримання | Free between Revolut users | Free ZEN-to-ZEN |
| Виведення коштів | Free up to a monthly limit, then ~2% | Free ATM allowance by plan, then a % fee |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — virtual & physical Mastercard |
| Доступність | 40+ markets; cards usable in 160+ countries | Countries listed by ZEN (check zen.com) |
| Валюти | 30+ in-app (spend in 120+) | Multiple currencies (see ZEN fee page) |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Засновано | 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.
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
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.
Плюси
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Мінуси
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.