Wirex vs Revolut
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Wirex | Revolut |
|---|---|---|
| Ocena | 3.7 / 5 | 4.4 / 5 |
| Najlepszy do | Spending crypto in everyday life | Travel spending and an all-in-one app |
| Opłata miesięczna | Free; optional premium tiers | Free to ~$16.99/mo (Standard→Metal) |
| Kurs wymiany | Interbank/OTC, no exchange fee on spend | Mid-market weekdays; ~1% weekend on Standard |
| Wysyłanie / odbiór | Free Wirex-to-Wirex; crypto network fees | Free between Revolut users |
| Wypłaty | Free ATM ~$200/mo, then ~2% | Free up to a monthly limit, then ~2% |
| Karta | Yes — debit card spending crypto & fiat | Yes — virtual & physical debit; Metal on premium |
| Dostępność | ~35 countries | 40+ markets; cards usable in 160+ countries |
| Waluty | 34+ fiat & crypto; 130+ cryptoassets | 30+ in-app (spend in 120+) |
| Regulacja | FCA-registered (crypto); e-money permissions | Bank of Lithuania (ECB), UK banking licence, FCA |
| Założono | 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.
Zalety
- Spend crypto and fiat from one card
- Tiered Cryptoback rewards
- No annual card fee
Wady
- 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.
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
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.7 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.