Wirex vs Revolut
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Wirex | Revolut |
|---|---|---|
| Note | 3.7 / 5 | 4.4 / 5 |
| Idéal pour | Spending crypto in everyday life | Travel spending and an all-in-one app |
| Frais mensuels | Free; optional premium tiers | Free to ~$16.99/mo (Standard→Metal) |
| Taux de change | Interbank/OTC, no exchange fee on spend | Mid-market weekdays; ~1% weekend on Standard |
| Envoyer / recevoir | Free Wirex-to-Wirex; crypto network fees | Free between Revolut users |
| Retraits | Free ATM ~$200/mo, then ~2% | Free up to a monthly limit, then ~2% |
| Carte | Yes — debit card spending crypto & fiat | Yes — virtual & physical debit; Metal on premium |
| Disponibilité | ~35 countries | 40+ markets; cards usable in 160+ countries |
| Devises | 34+ fiat & crypto; 130+ cryptoassets | 30+ in-app (spend in 120+) |
| Réglementation | FCA-registered (crypto); e-money permissions | Bank of Lithuania (ECB), UK banking licence, FCA |
| Création | 2014 | 2015 |
Wirex
Wirex is a crypto-focused money app and card letting users spend both cryptocurrency and fiat in everyday life, with tiered Cryptoback rewards that reach high rates for users locking large amounts of its WXT token. It supports 130+ cryptoassets and charges no annual card fee. As a crypto-centric e-money product rather than a bank, balances carry volatility and lack deposit protection.
Avantages
- Spend crypto and fiat from one card
- Tiered Cryptoback rewards
- No annual card fee
Inconvénients
- Top rewards require large WXT lockups
- Crypto exposure carries volatility risk
- Coverage limited to ~35 countries
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
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.