Revolut
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
Last checked: 2026-06-22
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Review
Wise
Wise is a multi-currency account and money-transfer service with a card in supported countries. It is often a practical baseline for travelers and freelancers because official pricing pages publish card order fees, ATM allowances and conversion-fee logic.
Last checked: 2026-06-22Overall: 5/5Fees: 5/5Travel: 5/5
Not financial advice
This is informational content, not financial, tax or legal advice. Check official terms, eligibility, limits and local reporting obligations before using any provider.
Best for
- Transparent FX comparisons
- Freelancer and traveler multi-currency workflows
Avoid if
- Cash-heavy trips needing high free ATM limits
- Users needing branch banking
Summary verdict
- Multi-currency account, transfers and card with published fees.
- US card pricing is used as an example; use the local Wise pricing page for another residence.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Accounts and cards are region-dependent; pricing page can be localized by residence
Wise account, local details and card availability depend on residence and verification.
Card and payments
- Type
- Virtual + physical
- Custody
- Not applicable
- KYC
- Required
- Apple Pay
- Region-dependent
- Google Pay
- Region-dependent
Watchout
- Compliance reviews and regional restrictions can delay transfers or card access.
Fees and limits
| Issue | US example: physical card 9 USD; digital card free |
|---|---|
| Monthly | No card subscription fee in checked US pricing |
| Annual | No annual card fee in checked US pricing |
| FX | No foreign transaction fee; a conversion fee applies only when Wise converts currency, typically from about 0.43% on major pairs (higher on exotic routes) |
| ATM | US example: no Wise fee up to 250 USD monthly (fixed per-withdrawal fee removed in 2026), then about 1.95 USD + 1.95% |
| Spend | Transfers vary by route, currency and payment method |
| Limits | Card spending limits are account and region specific |
How it works
- Hold and exchange 40+ currencies
- Card for spending and ATM withdrawals where available
- Local account details in supported currencies
Pros
- Transparent public fee pages
- Useful baseline against bank FX cards
Cons
- Card and account details vary by country
- ATM allowance can be too small for cash-heavy trips
Risks / compliance notes
- Compliance reviews and regional restrictions can delay transfers or card access.
Official sources
Verified from official pages: Wise card fees
Data confidence
- Source checked
- 2026-06-22
- Data confidence
- High
- Review status
- Fresh
- US card pricing is used as an example; use the local Wise pricing page for another residence.
Alternatives
5/5
N26
Licensed German mobile bank with fee-free card spending abroad and deposit protection.
Last checked: 2026-06-22
- EU residents who want a real bank with no-FX card spending
- People who value deposit protection over multi-currency holding
Deel
Global contractor-payment platform with multi-currency and USDC withdrawals.
Last checked: 2026-06-22
- Contractors whose clients already use Deel
- Remote workers who want a USDC payout option
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FAQ
Does Wise charge a foreign transaction fee?
Wise says it does not charge a fee just for using the card abroad, but a conversion fee applies if you spend in a currency you do not hold.
Is the cheapest transfer provider always best?
No. Reliability, corridor support, documentation and recovery options matter for important transfers.
Should freelancers keep a backup payout method?
Yes. Account reviews or corridor limits can interrupt cash flow even with legitimate payments.