{"id":"cmnbtp42500l95yl3g4itmj25","slug":"revolut-vs-wise","title":"Revolut vs Wise","shortAnswer":"Wise specializes in international money transfers with the best mid-market exchange rates and lower transfer fees, while Revolut is a broader fintech platform offering spending accounts, crypto, and travel features with competitive exchange rates but higher markups on certain transactions.","keyDifferences":[{"label":"Exchange Rate Markup","winner":"b","entityAValue":"0.5-2% markup on transfers","entityBValue":"Mid-market rate (0% markup)"},{"label":"Transfer Fee (UK to EU)","winner":"b","entityAValue":"$2.99-4.99 GBP","entityBValue":"£0.70 GBP flat"},{"label":"Account Types","winner":"a","entityAValue":"Multi-currency spending + savings + crypto","entityBValue":"Multi-currency spending only (transfers focused)"},{"label":"Crypto Support","winner":"a","entityAValue":"Buy/sell/hold 100+ cryptocurrencies","entityBValue":"None"},{"label":"Speed (International Transfer)","winner":"tie","entityAValue":"1-2 business days","entityBValue":"1-2 business days (varies by corridor)"},{"label":"Monthly Active Users","winner":"a","entityAValue":"35+ million (2024)","entityBValue":"12+ million (2024)"},{"label":"Spending ATM Withdrawals (Fee-free limit)","winner":"b","entityAValue":"£200/month free, then 2% fee","entityBValue":"Varies by plan; Premium £5/month for unlimited"}],"verdict":"Choose Wise if your primary need is sending money internationally with minimal fees and true mid-market exchange rates—it's unbeatable for regular cross-border transfers. Choose Revolut if you want a multi-purpose fintech platform combining spending, savings, crypto investment, and travel features with acceptable (though not lowest) foreign exchange rates.","category":"software","entities":[{"id":"cmnbtp3th00l65yl3f025zhcj","slug":"revolut","name":"Revolut","shortDesc":"Multi-service fintech app offering payments, transfers, crypto, stocks, and insurance with tiered premium plans.","imageUrl":"https://upload.wikimedia.org/wikipedia/commons/thumb/8/87/London_Revolut.jpg/330px-London_Revolut.jpg","entityType":"company","position":0,"pros":["Crypto trading with 100+ supported coins and competitive spreads","Travel-friendly: multi-currency accounts, travel insurance, flight/hotel bookings","35+ million users globally with strong community and network effects","Savings vaults and goals features for automated budgeting","Instant notifications and real-time transaction tracking"],"cons":["Higher exchange rate markup (0.5-2%) compared to Wise's mid-market rates","Transfer fees ($2.99-4.99 GBP for standard transfers) higher than Wise","Customer support response times criticized as slow (24-48 hour average)"],"bestFor":"Digital nomads, crypto investors, frequent travelers, and users wanting an all-in-one fintech platform"},{"id":"cmnbtp3xt00l85yl3mk695be4","slug":"wise","name":"Wise","shortDesc":"Fintech platform specializing in international money transfers with mid-market exchange rates and multi-currency accounts.","imageUrl":null,"entityType":"company","position":1,"pros":["True mid-market exchange rates with no hidden markups (0% rate adjustment)","Lowest transfer fees globally: £0.70 GBP flat for most transfers","IBAN accounts in 12+ currencies for direct business/salary deposits","Transparent pricing calculator showing exact amount before sending","Premium plan (£5/month) unlocks unlimited ATM withdrawals"],"cons":["Limited scope: no crypto, savings products, or investment features","Smaller user base (12 million) limits peer-to-peer network utility","No spending rewards program or cashback on card usage"],"bestFor":"Businesses, freelancers, expatriates, and individuals prioritizing cost-efficient international transfers"}],"attributes":[{"id":"cmnbtp5m500ln5yl3kv40juje","slug":"annual-revenue-most-recent-year","name":"Annual Revenue (Most Recent Year)","unit":"billion EUR/GBP","category":"Financial Performance","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"€5.2 billion (2025)","valueNumber":5.2,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Not publicly disclosed","valueNumber":null,"valueBoolean":null}]},{"id":"cmnbtmjip00ej5yl3d0affwr7","slug":"market-capitalization-march-2026","name":"Market Capitalization (March 2026)","unit":"USD Billion","category":"Financial Performance","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Private (Pre-IPO)","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"£9.16 billion","valueNumber":9.16,"valueBoolean":null}]},{"id":"cmnbtp6xi00lx5yl3tttv8xc0","slug":"user-base-size","name":"User Base Size","unit":"millions","category":"User Metrics","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"52.5 million (2024)","valueNumber":52.5,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Not publicly disclosed","valueNumber":null,"valueBoolean":null}]},{"id":"cmnbtp7nc00m35yl3enbc4sb7","slug":"supported-currencies","name":"Supported Currencies","unit":"count","category":"Multi-Currency","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"70+ currencies","valueNumber":70,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"150+ currencies (implied)","valueNumber":150,"valueBoolean":null,"winner":true}]},{"id":"cmnbtp8d800m95yl3m8qtxyw0","slug":"covered-countries-corridors","name":"Covered Countries/Corridors","unit":"count","category":"Features","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"160+ countries","valueNumber":160,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"180+ corridors","valueNumber":180,"valueBoolean":null,"winner":true}]},{"id":"cmnbtjd62006d5yl3f45f9a1r","slug":"public-trading-status","name":"Public Trading Status","unit":null,"category":"Corporate","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Private (IPO planned)","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Public (LSE: WISE)","valueNumber":null,"valueBoolean":null}]},{"id":"cmnbtiquh005b5yl3eg2jrso7","slug":"year-founded","name":"Year Founded","unit":"year","category":"Company History","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"2011","valueNumber":2011,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"2011","valueNumber":2011,"valueBoolean":null}]},{"id":"cmnbtpaa400mn5yl3rmdejn3b","slug":"exchange-rate-markup","name":"Exchange Rate Markup","unit":"transparency level","category":"Features","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Competitive with markup","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Real mid-market, no markup","valueNumber":null,"valueBoolean":null}]},{"id":"cmqra34zb00bvjg0t09b90ylb","slug":"exchange-rate-markup","name":"Exchange Rate Markup","unit":"%","category":"International Transfers","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"0.5-2%","valueNumber":1.25,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"0.4%","valueNumber":0.4,"valueBoolean":null,"winner":true}]},{"id":"cmr58qlo8005fv7o27y7pa6z4","slug":"standard-transfer-fee-gbp-","name":"Standard Transfer Fee (GBP)","unit":"GBP","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"£2.99-4.99","valueNumber":3.99,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"£0.70","valueNumber":0.7,"valueBoolean":null,"winner":true}]},{"id":"cmn918ku802luaeal5ptfue6t","slug":"global-user-base","name":"Global User Base","unit":"millions","category":"Market Share","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"45+ million","valueNumber":45,"valueBoolean":null,"winner":true},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"15+ million","valueNumber":15,"valueBoolean":null,"winner":false}]},{"id":"cmr58qloo005rv7o2zeh7ups9","slug":"cryptocurrency-support","name":"Cryptocurrency Support","unit":null,"category":"Features","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"100+ cryptocurrencies (buy/sell/hold)","valueNumber":100,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"None","valueNumber":0,"valueBoolean":null}]},{"id":"cmr58qlox005xv7o29rndc62m","slug":"multi-currency-accounts","name":"Multi-Currency Accounts","unit":"currencies","category":"Features","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"26 currencies","valueNumber":26,"valueBoolean":null,"winner":true},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"12+ currencies","valueNumber":12,"valueBoolean":null,"winner":false}]},{"id":"cmr58qlp60063v7o2vgnrlluk","slug":"atm-withdrawal-fee-after-free-limit-","name":"ATM Withdrawal Fee (after free limit)","unit":"%","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"2% (after £200/month free)","valueNumber":2,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Unlimited at 0% with Premium (£5/mo)","valueNumber":0,"valueBoolean":null,"winner":true}]},{"id":"cmqra350d00cdjg0t08spefvj","slug":"average-transfer-speed","name":"Average Transfer Speed","unit":"business days","category":"Performance","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"1-2 days","valueNumber":1.5,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"1-2 days","valueNumber":1.5,"valueBoolean":null}]},{"id":"cmr58qlpm006fv7o2w2clj9ik","slug":"business-payment-features","name":"Business Payment Features","unit":null,"category":"Features","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Basic invoicing via Revolut Business app","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"IBAN accounts for salary/vendor payments","valueNumber":null,"valueBoolean":null}]},{"id":"cmr98f9ou00a13mdxzhtvxczc","slug":"monthly-subscription-cost-standard-tier-","name":"Monthly Subscription Cost (Standard Tier)","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"€0","valueNumber":0,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"€0","valueNumber":0,"valueBoolean":null}]},{"id":"cmrapjn2600f9iuhobukjbiv4","slug":"exchange-rate-markup-for-transfers","name":"Exchange Rate Markup for Transfers","unit":"percent","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"1-2%","valueNumber":1.5,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"0.4-0.7%","valueNumber":0.55,"valueBoolean":null,"winner":true}]},{"id":"cmrapjn2h00ffiuho3y13ojo7","slug":"cryptocurrency-assets-available","name":"Cryptocurrency Assets Available","unit":"count","category":"Features","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"50+","valueNumber":50,"valueBoolean":null,"winner":true},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"0","valueNumber":0,"valueBoolean":null,"winner":false}]},{"id":"cmqearp1p00a3y4z3c4uy242i","slug":"supported-currencies","name":"Supported Currencies","unit":"count","category":"Features","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"34 currencies","valueNumber":34,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"50+ currencies","valueNumber":50,"valueBoolean":null,"winner":true}]},{"id":"cmrapjn3300friuhor37imcpt","slug":"average-transfer-completion-time","name":"Average Transfer Completion Time","unit":"business days","category":"Speed","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"1-2 days (standard)","valueNumber":1.5,"valueBoolean":null,"winner":false},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Same-day to next-day","valueNumber":1,"valueBoolean":null,"winner":true}]},{"id":"cmrapjn3e00fxiuhoxbsiih2l","slug":"stock-trading-available","name":"Stock Trading Available","unit":"yes/no","category":"Features","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Yes (10,000+ securities)","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"No","valueNumber":null,"valueBoolean":null}]},{"id":"cmrapjn3p00g3iuho1fbtd0qx","slug":"multi-currency-debit-card-available","name":"Multi-Currency Debit Card Available","unit":"yes/no","category":"Features","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmnbtp3th00l65yl3f025zhcj","valueText":"Yes (with markup)","valueNumber":null,"valueBoolean":null},{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Yes (at mid-market rate)","valueNumber":null,"valueBoolean":null}]},{"id":"cmqra34yz00bpjg0t9y1b74v3","slug":"international-transfer-fee","name":"International Transfer Fee","unit":"USD","category":"International Transfers","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"$0-2.00","valueNumber":1,"valueBoolean":null}]},{"id":"cmqra350q00cjjg0tmllafkr0","slug":"merchant-acceptance","name":"Merchant Acceptance","unit":"millions","category":"Payment Ecosystem","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"0.3 million","valueNumber":0.3,"valueBoolean":null}]},{"id":"cmmxr4mt600njlh9e1nk16g50","slug":"monthly-active-users","name":"Monthly Active Users","unit":"millions","category":"User Base","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"12 million","valueNumber":12,"valueBoolean":null}]},{"id":"cmrbaofyq00avg9dso7e847w2","slug":"international-transfer-speed","name":"International Transfer Speed","unit":"business days","category":"Transfer Speed","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"Same-day to 2 business days","valueNumber":null,"valueBoolean":null}]},{"id":"cmrbaofyx00b1g9ds7pu1jgqm","slug":"dispute-resolution-time","name":"Dispute Resolution Time","unit":"days","category":"Customer Support","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"30 days","valueNumber":30,"valueBoolean":null}]},{"id":"cmra8sf4j00b89b1hy767zwzm","slug":"account-setup-time","name":"Account Setup Time","unit":"minutes","category":"Onboarding","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmnbtp3xt00l85yl3mk695be4","valueText":"5-10 minutes","valueNumber":7,"valueBoolean":null}]}],"faqs":[{"question":"Is Wise or Revolut cheaper for international transfers?","answer":"Wise is typically cheaper and more predictable for international transfers. Wise always uses the mid-market exchange rate with a transparent fee (0.4–1.5% depending on currency). Revolut's Standard tier offers mid-market rate transfers up to £1,000/month, then applies fees; it also adds a 1% markup on weekends when currency markets are closed. For large or frequent transfers, Wise's transparent fee structure usually wins; for occasional small transfers within Revolut's monthly limit, Revolut can be equivalent."},{"question":"Is Revolut a bank?","answer":"In the UK and EEA (European Economic Area), Revolut has a banking licence (issued 2021 in Lithuania for EEA; UK banking licence granted 2024). This means EEA/UK deposits are protected under European/UK deposit guarantee schemes (up to €100,000/£85,000). In other countries (US, Australia, etc.), Revolut operates as an e-money institution, not a bank — funds may be safeguarded but not covered by standard deposit insurance. Wise is not a bank anywhere; it is an authorised payment institution with safeguarding obligations."},{"question":"Can I receive money into a Wise or Revolut account?","answer":"Both offer account details for receiving payments. Wise Account provides local bank account details in 9+ currencies (GBP, EUR, USD, AUD, NZD, CAD, HUF, RON, SGD) — ideal for receiving international salary payments or freelance income. Revolut provides IBAN in the EEA and account details in other markets, but local US bank account details are available on all tiers. For receiving payments in multiple currencies without conversion: Wise is more mature and widely accepted."},{"question":"Is Wise better than Revolut for business?","answer":"Wise is generally stronger for business international payments. Wise Business offers transparent batch payments, API integration, invoice payment links, and local account details in multiple currencies — purpose-built for international operations. Revolut Business is also capable but positions itself more as an expense management and banking tool. For e-commerce, freelancer platforms, and businesses with international suppliers: Wise. For companies wanting integrated expense cards, accounting integrations, and business banking features: Revolut Business."},{"question":"Does Revolut charge fees on the free tier?","answer":"Yes — Revolut Standard (free) has limits: currency exchange at mid-market rate is capped at £1,000/month (beyond which a 0.5% fee applies); ATM withdrawals are free up to £200/month (then 2% fee); international transfers to bank accounts incur a small fee (from £0.30). A 1% markup also applies on weekend currency exchanges. Revolut Premium (£6.99/month) removes most limits. Wise has no monthly fee but charges a transparent fee on every transfer regardless of amount."}],"relatedComparisons":[{"slug":"wordpress-vs-wix","title":"WordPress vs Wix","category":"software"},{"slug":"canva-vs-photoshop","title":"Canva vs Photoshop","category":"software"},{"slug":"slack-vs-microsoft-teams","title":"Slack vs Microsoft Teams","category":"software"},{"slug":"figma-vs-sketch","title":"Figma vs Sketch","category":"software"},{"slug":"iphone-17-vs-samsung-s26","title":"iPhone 17 vs Samsung Galaxy S26","category":"technology"},{"slug":"mac-vs-windows","title":"Mac vs Windows","category":"technology"},{"slug":"android-vs-ios","title":"Android vs iOS","category":"technology"},{"slug":"nvidia-vs-amd","title":"NVIDIA vs AMD","category":"technology"},{"slug":"brave-vs-duckduckgo","title":"Brave vs DuckDuckGo","category":"software"},{"slug":"airbnb-vs-booking","title":"Airbnb vs Booking.com","category":"software"},{"slug":"python-vs-javascript","title":"Python vs JavaScript","category":"software"},{"slug":"excel-vs-airtable","title":"Excel vs Airtable","category":"software"}],"relatedBlogPosts":[{"slug":"best-streaming-services-in-2026-top-picks-for-every-budget-interest","title":"Best Streaming Services in 2026: Top Picks for Every Budget & Interest","excerpt":"Navigating the crowded streaming landscape in 2026 can be overwhelming. We've tested and ranked the best streaming services that offer the most value, from Netflix's massive library to budget-friendly options like Tubi, helping you cut cable and find your perfect entertainment solution.","category":"technology"},{"slug":"best-live-tv-streaming-services-plans-for-spring-2026-complete-buyers-guide","title":"Best Live TV Streaming Services & Plans for Spring 2026: Complete Buyer's Guide","excerpt":"Tired of overpaying for cable? Discover the best live TV streaming services and plans for Spring 2026, including YouTube TV's new genre-based packages starting at $55/month. Our comprehensive guide breaks down pricing, channels, and features to help you cut the cord.","category":"technology"},{"slug":"philo-in-2026-streaming-tv-service-review-pricing-reddit-community-insights","title":"Philo in 2026: Streaming TV Service Review, Pricing & Reddit Community Insights","excerpt":"Explore Philo's evolution heading into 2026, including pricing tiers, channel lineup, and how it compares to competitors like Sling TV. Discover what the r/PhiloTV Reddit community thinks about the service's current offerings and future prospects.","category":"technology"},{"slug":"best-us-fighter-jets-2026-top-american-combat-aircraft-ranked","title":"Best US Fighter Jets 2026: Top American Combat Aircraft Ranked","excerpt":"Discover the most advanced US fighter jets dominating the skies in 2026. From the legendary F-22 Raptor to the versatile F-35 Lightning II, we rank America's best combat aircraft based on performance, stealth, and air superiority capabilities.","category":"technology"},{"slug":"philo-in-2026-pricing-lineup-how-it-compares-to-sling-tv","title":"Philo in 2026: Pricing, Lineup & How It Compares to Sling TV","excerpt":"As we head into 2026, Philo continues to position itself as an affordable streaming alternative for cable TV lovers. Discover what Philo offers, how its pricing stacks up against competitors like Sling TV, and what the Reddit community thinks about its future.","category":"technology"}],"metadata":{"metaTitle":"Revolut vs Wise 2026: Transfers, Fees & Features","metaDescription":"Compare Revolut and Wise: exchange rates, transfer fees, crypto support, and features. Wise wins on costs; Revolut wins on features.","publishedAt":"2026-03-29T13:56:52.301Z","updatedAt":"2026-08-18T09:00:24.804Z","isAutoGenerated":true,"isHumanReviewed":true,"viewCount":0,"status":"published"},"expertAnalysis":"Revolut and Wise (formerly TransferWise) are two of the most widely used fintech platforms for international money transfers and multi-currency financial services — but their evolution has pushed them toward different target users and value propositions.\n\nWise, founded in 2011 and publicly listed on the London Stock Exchange (LSE: WISE) since 2021, built its reputation on a single obsession: transparent, low-cost international money transfers using the mid-market exchange rate. In 2024, Wise processed over £118 billion in transfers across 40+ currencies, serving more than 13 million customers globally. Wise's fee structure is straightforward: a small percentage fee (typically 0.33–1.5% depending on currency corridor) plus a fixed component, with no hidden exchange rate markup. Wise Account (personal) and Wise Business provide multi-currency account details (local bank account numbers in 9+ currencies including USD, EUR, GBP, AUD, CAD), enabling users to receive salary or payments locally without cross-border fees. For freelancers, remote workers, and small businesses with consistent international payment needs, Wise is frequently the lowest-cost option in head-to-head comparisons.\n\nRevolut, founded in 2015 and headquartered in London (private, last valued at approximately $45 billion as of 2021), has evolved into a broader digital banking \"super-app\" with ambitions beyond money transfer. Revolut's product suite now includes currency exchange at interbank rates (with limits on free plans), debit card spending in 150+ currencies, savings vaults, stock trading (US and European equities), cryptocurrency trading, travel insurance, hotel booking, and more. Revolut offers banking licences in the UK and EEA (Revolut Bank UAB in Lithuania), providing deposit protection up to €100,000 for EU customers. Plans range from Standard (free) to Premium (£9.99/month) and Metal (£16.99/month), with higher tiers removing exchange limits and adding travel benefits.\n\nThe core comparison: for pure international transfers and currency exchange with price transparency, Wise is consistently cheaper and more predictable. Wise's \"no markup\" policy means the rate shown is the rate used — no Saturday surcharges or dynamic rate padding. Revolut's Standard plan applies currency exchange fees on weekends (0.5–2% depending on currency), and its fair usage limit (£1,000/month at interbank rates for free plan) catches heavy transferrers. For users who stay within the Standard plan's limits and don't transfer large amounts on weekends, Revolut can be cost-competitive.\n\nWhere Revolut outperforms Wise: lifestyle and banking features. Revolut's in-app stock and crypto trading, budgeting tools, savings features, disposable virtual cards, and premium travel insurance (Metal plan) make it a more complete financial app for users who want everything in one place. Wise has added some features (interest on balances, debit card) but remains primarily a transfer-focused product.\n\nThe practical recommendation in 2026: use Wise if international money transfers and multi-currency invoicing are your primary need. Use Revolut if you want a full-featured digital bank with spending insights, investments, and travel perks alongside adequate (not cheapest) international transfers. Many users maintain both — Wise for significant transfers, Revolut as a travel card."}