Revolut vs GoPay: Which Wallet App Reigns Supreme for Global Spending and Local Payments?
Revolut is a global financial superapp designed for international travelers and digital nomads, offering multi-currency accounts, crypto trading, and budgeting tools. GoPay, part of the GoTo ecosystem in Indonesia, excels in local QRIS payments, top-ups from various e-wallets, and seamless integration with ride-hailing and food delivery. If you need a versatile wallet for worldwide use, Revolut is your go-to; if you live in Indonesia and rely on QRIS and Gojek services, GoPay is indispensable.
Revolut: Spend, Save, Trade
Recommended- Rating
- ★ 4.46
- Downloads
- 50,000,000+
- Developer
- Revolut Ltd
GoPay: Transfer, Payment, QRIS
- Rating
- ★ 4.68
- Downloads
- 100,000,000+
- Developer
- PT. GoTo Gojek Tokopedia Tbk
Join the 75+ million customers worldwide who use our app to spend, send, and save smarter. Make your spend, well-spent Pay any way, with physical cards, virtual cards, single-use virtual cards for extra protection, Google or Apple Pay Spend abroad with great exchange rates (fees…
Pros
- Multi-currency accounts with interbank exchange rates for 150+ currencies
- Commission-free stock and crypto trading within the app
- Virtual and disposable virtual cards for secure online shopping
- 55,000+ fee-free in-network ATMs worldwide
- Comprehensive budgeting and savings features with vaults
Cons
- Premium features require paid subscription plans
- Limited fee-free ATM withdrawals per month on free plan
- Customer support can be slow during peak times
QRIS for Everyday Purchases 🛍️ Enjoy GoPay Coins cashback every time you pay with GoPay QRIS. Shop abroad with ease using QRIS Cross Border, and pay for public transportation seamlessly with QRIS Tap. Top Up from Anywhere 🌟 Top up from various e-wallets such as AstraPay,…
Pros
- Seamless QRIS payments for everyday purchases across Indonesia
- Generous GoPay Coins cashback rewards on QRIS transactions
- Easy top-up from multiple e-wallets, debit cards, and virtual accounts
- Integrated with Gojek ecosystem for transport, food, and services
- Supports QRIS Cross Border for payments abroad and QRIS Tap for public transport
Cons
- Limited functionality outside Indonesia and the GoTo ecosystem
- No multi-currency accounts or international spending features
- Customer support primarily in Indonesian language
Final Verdict
Our pick: Revolut: Spend, Save, Trade
For most users seeking a comprehensive financial app with global capabilities, Revolut is the clear winner due to its multi-currency support, stock trading, and extensive ATM network. However, GoPay is unbeatable for Indonesian users who depend on QRIS payments and the Gojek ecosystem. Revolut offers broader utility for international spending and saving, while GoPay is hyper-localized for daily Indonesian transactions. Choose Revolut for global finance, GoPay for local convenience.
Revolut: Spend, Save, Trade Screenshots
Official app screenshots from the Google Play Store.
GoPay: Transfer, Payment, QRIS Screenshots
Official app screenshots from the Google Play Store.
Frequently Asked Questions
Which app has a higher rating?
GoPay has a slightly higher rating of 4.625 compared to Revolut's 4.457866, based on millions of reviews.
Can I use these apps offline?
Both apps require internet for most features. Revolut allows viewing of card details offline if cached, but transactions need connectivity. GoPay requires online for QRIS payments.
Do these apps contain ads?
Revolut does not display third-party ads but promotes its own premium plans. GoPay may show promotional content within the app, but no disruptive ads.
What are the device requirements?
Revolut requires Android 6.0+ and Google Play Services; GoPay requires Android 5.0+ and varies by device. Both need a stable internet connection.
Which app should I choose?
Choose Revolut if you need a global wallet for multi-currency spending, trading, and travel. Choose GoPay if you live in Indonesia and want seamless QRIS payments and Gojek integration.
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