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Revolut vs Wise
A side-by-side comparison of Revolut and Wise — fees, FX, ATM access, cashback, custody, availability and travel use — so you can pick the right one or run both as backups.
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
Multi-currency account and card with transparent conversion pricing.
| Attribute | Revolut | Wise |
|---|---|---|
| Best for | One-app travel money with FX and extras | Transparent FX comparisons |
| Availability | Region-dependent | Region-dependent |
| Type | Virtual + physical | Virtual + physical |
| KYC | Required | Required |
| FX | Interbank rate within a monthly fair-usage allowance (about 1,000 in base currency on Standard), then a fair-usage fee on the excess (≈1% in the UK/EU, 0.5% in the US); a 1% weekend markup can apply outside FX-market hours on some currencies | 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 | Free up to a monthly allowance (region and plan dependent, e.g. EUR 200 or USD 800), then about 2% | US example: no Wise fee up to 250 USD monthly (fixed per-withdrawal fee removed in 2026), then about 1.95 USD + 1.95% |
| Monthly | Standard plan free; Plus, Premium, Metal and Ultra tiers carry recurring fees | No card subscription fee in checked US pricing |
| Cashback | Some paid plans and card promotions offer cashback or perks; not used as a ranking factor | Not applicable |
| Apple Pay | Yes | Region-dependent |
| Google Pay | Yes | Region-dependent |
Choose Revolut if
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Choose Wise if
- Travelers comparing FX costs
- Freelancers receiving and converting international payments
Related next steps
Not financial advice. Fees, availability and terms change — confirm current official terms with each provider before signing up.
FAQ
Which is cheaper, Revolut or Wise?
It depends on how you spend. Compare the FX, ATM and monthly fees in the table for your real usage, and remember cashback and rewards only help if you actually redeem them.
Can I use both together?
Often yes. Many travelers keep one as the primary option and the other as a backup rail, which protects you if one has an outage, a block or a regional limit.
Is either a full bank replacement?
Treat both as specialized tools, not insured bank accounts. Keep emergency funds and a backup card from a separate provider.