Revolut vs Wise 2026: Transfer Fees & Features
Revolut offers broader services including crypto, stocks, and insurance with more aggressive growth features, while Wise specializes exclusively in international money transfers with industry-leading exchange rates and lower fees for that specific use case. Revolut costs €0-€13.99/month depending on tier, while Wise charges only transaction fees with no subscription.
Revolut
Multi-service fintech app offering payments, transfers, crypto, stocks, and insurance with tiered premium plans.
Young professionals wanting a consolidated financial platform with investment and crypto options, not primarily focused on international transfers.
Wise
Specialist international money transfer service focused on real exchange rates and transparent, low-cost cross-border payments.
Frequent international senders, expats, remote workers, and businesses prioritizing lowest transfer costs over feature breadth.
Quick Answer
AI SummaryRevolut offers broader services including crypto, stocks, and insurance with more aggressive growth features, while Wise specializes exclusively in international money transfers with industry-leading exchange rates and lower fees for that specific use case. Revolut costs €0-€13.99/month depending on tier, while Wise charges only transaction fees with no subscription.
Our Verdict
AI-assistedChoose Revolut if you want an all-in-one financial platform offering crypto trading, stock investments, insurance, and casual international transfers with more features and flexibility. Choose Wise if you primarily need cost-effective international money transfers with the best exchange rates and lowest fees—it's the clear winner for frequent, serious international senders.
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Choose Revolut if
Young professionals wanting a consolidated financial platform with investment and crypto options, not primarily focused on international transfers.
Choose Wise if
Best pickFrequent international senders, expats, remote workers, and businesses prioritizing lowest transfer costs over feature breadth.
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Key Differences at a Glance
- Primary Focus:Multi-service fintech (transfers, crypto, stocks, insurance) vs Dedicated international money transfer specialist
- Monthly Subscription Cost:✓ Wise wins(€0 (no subscription) vs €0-€13.99 (Standard to Premium))
- International Transfer Fee:✓ Wise wins(0.4-0.7% markup on exchange rate vs 1-2% markup on exchange rate)
Key Facts & Figures
17 numeric metrics compared
| Metric | Revolut | Wise | Ratio |
|---|---|---|---|
| Annual Revenue (Most Recent Year)(billion EUR/GBP) | €5.2 billion (2025) | Not publicly disclosed | — |
| Market Capitalization (March 2026)(USD Billion) | Private (Pre-IPO) | £9.16 billion | — |
| User Base Size(millions) | 52.5 million (2024) | Not publicly disclosed | — |
| Supported Currencies(count) | 70+ currencies | 150+ currencies (implied) | |
| Covered Countries/Corridors(count) | 160+ countries | 180+ corridors | |
| Year Founded(year) | 2011 | 2011 | |
| Exchange Rate Markup(%) | 0.5-2% | 0% (mid-market) | |
| Standard Transfer Fee (GBP)(GBP) | £2.99-4.99 | £0.70 | |
| Global User Base(millions) | 45+ million | 15+ million | |
| Multi-Currency Accounts(currencies) | 26 currencies | 12+ currencies | |
| ATM Withdrawal Fee (after free limit)(%) | 2% (after £200/month free) | Unlimited at 0% with Premium (£5/mo) | |
| Average Transfer Speed(business days) | 1-2 days | 1-2 days | |
| Monthly Subscription Cost (Standard Tier)(EUR) | €0 | €0 | |
| Exchange Rate Markup for Transfers(percent) | 1-2% | 0.4-0.7% | |
| Cryptocurrency Assets Available(count) | 50+ | 0 | |
| Supported Currencies(count) | 34 currencies | 40+ currencies | |
| Average Transfer Completion Time(business days) | 1-2 days (standard) | Same-day to next-day |
Sourced from publicly available data ·
Key Differences
7 attributes compared head-to-head
- Multi-service fintech (transfers, crypto, stocks, insurance)Primary FocusDedicated international money transfer specialist
- €0-€13.99 (Standard to Premium)Monthly Subscription Cost€0 (no subscription)(winner)
- 1-2% markup on exchange rateInternational Transfer Fee0.4-0.7% markup on exchange rate(winner)
- Full support (Bitcoin, Ethereum, 50+ coins)(winner)Cryptocurrency TradingNot available
- Yes (US, UK, EU stocks)(winner)Stock Trading AvailableNo
- 34 currenciesNumber of Supported Currencies40+ currencies(winner)
- 1-2 business days (standard)Average Transfer SpeedSame-day or next-day (most corridors)(winner)
- Primary Focus
Revolut
Multi-service fintech (transfers, crypto, stocks, insurance)
Wise
Dedicated international money transfer specialist
- Monthly Subscription Cost
Revolut
€0-€13.99 (Standard to Premium)
Wise
€0 (no subscription)(winner)
- International Transfer Fee
Revolut
1-2% markup on exchange rate
Wise
0.4-0.7% markup on exchange rate(winner)
- Cryptocurrency Trading
Revolut
Full support (Bitcoin, Ethereum, 50+ coins)(winner)
Wise
Not available
- Stock Trading Available
Revolut
Yes (US, UK, EU stocks)(winner)
Wise
No
- Number of Supported Currencies
Revolut
34 currencies
Wise
40+ currencies(winner)
- Average Transfer Speed
Revolut
1-2 business days (standard)
Wise
Same-day or next-day (most corridors)(winner)
Full Comparison
| Attribute | Revolut | Wise |
|---|---|---|
| Annual Revenue (Most Recent Year)(billion EUR/GBP) | €5.2 billion (2025) | Not publicly disclosed |
| Market Capitalization (March 2026)(USD Billion) | Private (Pre-IPO) | £9.16 billion |
| User Base Size(millions) | 52.5 million (2024) | Not publicly disclosed |
| Supported Currencies(count) | 70+ currencies | 150+ currencies (implied)(winner) |
| Covered Countries/Corridors(count) | 160+ countries | 180+ corridors(winner) |
| Exchange Rate Markup(transparency level) | Competitive with markup | Real mid-market, no markup |
| Cryptocurrency Support | 100+ cryptocurrencies (buy/sell/hold) | None |
| Multi-Currency Accounts(currencies) | 26 currencies(winner) | 12+ currencies |
| Business Payment Features | Basic invoicing via Revolut Business app | IBAN accounts for salary/vendor payments |
Show 4 more attributesCryptocurrency Assets Available(count) 50+ 0 Supported Currencies(count) 34 currencies 40+ currencies Stock Trading Available(yes/no) Yes (10,000+ securities) No Multi-Currency Debit Card Available(yes/no) Yes (with markup) Yes (at mid-market rate) | ||
| Public Trading Status | Private (IPO planned) | Public (LSE: WISE) |
| Year Founded(year) | 2011 | 2011 |
| Exchange Rate Markup(%) | 0.5-2% | 0% (mid-market)(winner) |
| Standard Transfer Fee (GBP)(GBP) | £2.99-4.99 | £0.70(winner) |
| ATM Withdrawal Fee (after free limit)(%) | 2% (after £200/month free) | Unlimited at 0% with Premium (£5/mo)(winner) |
| Monthly Subscription Cost (Standard Tier)(EUR) | €0 | €0 |
| Global User Base(millions) | 45+ million(winner) | 15+ million |
| Average Transfer Speed(business days) | 1-2 days | 1-2 days |
| Exchange Rate Markup for Transfers(percent) | 1-2% | 0.4-0.7%(winner) |
| Average Transfer Completion Time(business days) | 1-2 days (standard) | Same-day to next-day(winner) |
RevolutShow 4 more attributes
Pros & Cons
10 pros·5 cons across both
Revolut
Pros
- Crypto trading with 50+ coins and competitive spreads
- Stock trading across 10,000+ US, UK, and EU companies
- Travel insurance and breakdown cover included in premium tiers
- Aggressive fee-free transfer promotion periods throughout year
- Single app consolidates multiple financial services
Cons
- 1-2% exchange rate markup significantly higher than competitors for repeated transfers
- Premium plans mandatory for advanced features (costs €13.99/month)
- Regulatory concerns and freezing incidents reported by some users
Wise
Pros
- Industry-leading 0.4-0.7% markup on mid-market exchange rates (vs 1-2% competitors)
- No subscription fees—pay only per transaction
- 40+ currencies supported with coverage for emerging markets
- Same-day or next-day delivery for most corridors
- Multi-currency debit card with real exchange rates
Cons
- No investment features (stocks, crypto, ETFs)
- Limited non-transfer financial services (no insurance, no lending)
Frequently Asked Questions
5 questions
Wise is significantly cheaper for international transfers. Wise charges 0.4-0.7% markup on the mid-market exchange rate, while Revolut charges 1-2%. For a €1,000 transfer, Wise could save you €5-13 compared to Revolut. Additionally, Wise has no monthly subscription, while Revolut's premium features cost €13.99/month.
Resources & Learn More
Curated sources to dive deeper
Where to Buy
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Wikipedia
- W
Revolut on Wikipedia (opens in new tab)
Multi-service fintech app offering payments, transfers, crypto, stocks, and insurance with tiered premium plans.
- W
Wise on Wikipedia (opens in new tab)
Specialist international money transfer service focused on real exchange rates and transparent, low-cost cross-border payments.
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