Wirex vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Wirex | Revolut |
|---|---|---|
| Оценка | 3.7 / 5 | 4.4 / 5 |
| Лучше всего для | Spending crypto in everyday life | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free; optional premium tiers | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Interbank/OTC, no exchange fee on spend | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Free Wirex-to-Wirex; crypto network fees | Free between Revolut users |
| Выводы средств | Free ATM ~$200/mo, then ~2% | Free up to a monthly limit, then ~2% |
| Карта | Yes — debit card spending crypto & fiat | Yes — virtual & physical debit; Metal on premium |
| Доступность | ~35 countries | 40+ markets; cards usable in 160+ countries |
| Валюты | 34+ fiat & crypto; 130+ cryptoassets | 30+ in-app (spend in 120+) |
| Регулирование | FCA-registered (crypto); e-money permissions | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 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.
Плюсы
- Spend crypto and fiat from one card
- Tiered Cryptoback rewards
- No annual card fee
Минусы
- 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.
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
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 3.7 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.