Wise vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Wise | Revolut |
|---|---|---|
| Оценка | 4.5 / 5 | 4.4 / 5 |
| Лучше всего для | Cheap, transparent international transfers | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free (one-time card fee in some regions) | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Mid-market + transparent fee (often <0.5%) | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Low variable fee (~0.33%+) | Free between Revolut users |
| Выводы средств | Free up to a monthly cap, then small fee | Free up to a monthly limit, then ~2% |
| Карта | Yes — physical & virtual debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Доступность | 160+ countries | 40+ markets; cards usable in 160+ countries |
| Валюты | 40+ currencies | 30+ in-app (spend in 120+) |
| Регулирование | FCA (UK), NBB (Belgium), FinCEN (US) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 2011 | 2015 |
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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 Wise выходит вперёд с оценкой 4.5 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.