Revolut card vs Wise (ex. TransferWise) card in Australia. Which is for you?

Roberto Efflandrin

When you travel abroad, the best way to save on some of the fees that come with using your card abroad is finding a provider that specialises in these sorts of transactions.

This article will compare two different card providers, Revolut and Wise. You’ll learn who these companies are, what type of cards they offer and some of the features that you’ll get with either provider.

💸 Hold over 40 currencies in your account and spend at the mid-market exchange rate with the Wise Debit card while abroad.

Learn more about the
Wise Account and card

(Transfer)Wise vs Revolut

You may have heard of them, you may have not, but Wise and Revolut are both international fintech companies that offer online financial services to their customers. Let’s introduce you to both providers in more detail.

Who is Revolut?

Revolut was launched in 2015 in Lithuania and has now grown to have over 30 million personal users worldwide. It expanded its operations to Australia in 2019.¹

What is the Revolut card and how to get it?

A Revolut card is a debit card that connects to one of the three tiered plans starting from a Standard plan, a Premium plan or the Metal plan. You can choose which card you want when you make a Revolut account online.²

Who is Wise (ex TransferWise)?

Wise, formerly known as TransferWise was launched in 2011 and has over 10 million customers worldwide.³ Wise launched in Australia in 2016.

What is the Wise debit card and how to get it?

The Wise card is a debit card issued by Visa. To get a Wise card, you need to open a Wise Account first online. You can then choose to order your card then and there or at a later time.⁴

Revolut vs Wise Card — Fees

Now that you know how to get either card, let’s compare all the fees that you may incur depending on which plan you choose with Revolut, or if you go with the Wise debit card.

Fee Revolut Standard⁵ Revolut Premium⁶ Revolut Metal⁷ Wise⁸ ¹⁶
Ordering or delivery fee Free to order but:

Standard delivery of $9.99 per card

Express delivery of $33.99 per card

Express delivery included in subscription fee Express delivery included in subscription fee $10 to order with standard delivery included

Optional express delivery of $16

Monthly maintenance fee $0 $9.99 per month

$99 paid annually

$24.99 per month $0
Add money From Australian issued debit cards: $0

From AUD bank account: $0

Fees apply for other methods

From Australian issued debit cards: $0

From AUD bank account: $0

Fees apply for other methods

From Australian issued debit cards: $0

From AUD bank account: $0

Fees apply for other methods

From AUD bank account: Free

PayID: Free

Other methods fee may apply⁹

Replacement card $24.99 per card $24.99 per card $79.99 per card $6
ATM Withdrawals Up to $350 or 5 free withdrawals per month

$1.50 or 2% of withdrawal amount thereafter

Up to $700 free withdrawals per month

$1.50 or 2% of withdrawal amount thereafter

Free up to $1400 per billing cycle

$1.50 or 2% (whichever is larger) of withdrawal amount thereafter

2 free withdrawals each month up to $350

$1.50 per withdrawal + 1.75% for amounts over $350 per month. Note:Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks

As seen on 9th July 2023

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

Revolut vs Wise Card — Main features

Here we’ll share what the main card features are from both companies in the Australian market.

Revolut Card² Wise Card⁴ ¹⁶
No matter the plan, you can:
  • Use GooglePay or Apple Pay straight away
  • Spend in 150+ currencies
  • Set spending limits, and card freezing in app
  • Generate single use cards in app
  • Instant payment notifications

    When you upgrade to:

    • Premium Plan, you get exclusive premium cards
    • Metal Plan, you get a reinforced steel debit card and 1% cashback on eligible purchases
With a Wise card, you can:
  • Save on ATM fees up to $350 each month
  • Spend in 150+ countries
  • Use Google Pay or Apple Pay straight away
  • Generate digital cards in app¹⁶
  • Freeze and unfreeze your card
  • 2FA security
  • Notifications for every transaction

As seen on 9th July 2023

These features are solely based on the cards. You’ll find the Revolut account and Wise account comes with extra features and benefits as well.

Read more: Revolut vs Wise (ex. Wise). Which is for you?

Revolut vs Wise — Exchange rates used

When you use a debit or credit card overseas, you’ll need to access some for exchange rate. Sometimes added fees or margins can be incorporated into the available exchange rate depending on the provider. Let’s see what rate Revolut and Wise use when using your card overseas.

Revolut¹⁰ Wise
Interbank rate during the week

Interbank + 1% fee on weekends¹¹

Mid-market rate

As seen on 10 July 2023

What to know when spending or withdrawing abroad

Sometimes using your card abroad can come with some caveats or hidden fees, especially when withdrawing or spending your cash.


When you use your Revolut card overseas, you may incur extra fees if you go over your currency exchange or free ATM withdrawal allowances which vary per plan. You may also be charged extra fees from different ATM providers.¹⁰


When you are using your Wise card overseas, Wise recommends choosing to pay in the foreign currency when you need to pay. When you do this, you’ll be accessing the mid-market rate that Wise uses on conversions.

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

Revolut vs Wise — Supported currencies

Here are the supported currencies that you may be able to send, receive, hold, convert and spend with your card.

Revolut Wise⁴ ¹⁶
Main AUD denominated account Get local account details in 10 currencies including: AUD, USD, NZD, GBP, EUR, SGD, RON, CAD, HUF, TRY
Send, convert and hold money in 25 currencies: USD, GBP, EUR, CAD, NZD, INR, PHP. TRY, IDR, LKR, JPY, THB, VND, KRW, MYR, HKD, ZAR, BRL. NPR, COP. AED, PLN, HUF, EGP, CLP, SEK, SAR, CZK. CHF, MXN, DKK, NOK, ILS, QAR, PEN, RON¹² Send, convert and hold in these 40+ currencies
Spend in 150+ countries² Spend in 150+ countries

As seen on 10 July 2023

Pros and cons of these cards

Although we’ve covered quite a bit of detail here about each card provider, let’s break down the pros and cons of each card option in the table below.

Revolut Wise ¹⁶
  • Free card account available
  • Can personalise cards (added fee)¹³
  • Hold and convert money in 25 currencies in app
  • Manage card in app
  • Use card in 150+ countries
  • Low one time fee to order card
  • Mid-market rate exchange rate on purchases
  • Spend in 150+ countries
  • 10 local bank details + hold in 40 currencies
  • Manage card easily in app
  • Only AUD local account details available
  • Have to sign up to higher subscription for better card and features
  • No cash top ups
  • Only one design of card for the consumer version
  • No cash top ups

What about card safety?

It is always important that you keep your card safe, but let’s see how Revolut and Wise keep your money safe.


Revolut is authorised by ASIC and holds an Australian Financial Services Licence (AFSL). Money deposited into a Revolut account is protected and guaranteed by a licenced bank in Australia, not including their cryptocurrency or commodity products. There are security features embedded in the Revolut app to protect your money and card.²


In Australia, Wise is regulated by ASIC, APRA and is an Authorised Deposit Taking institution. Wise also holds an AFSL Licence and safeguards their customers' money by keeping it separate from their operational funds. There are also security and anti-fraud features incorporated into the Wise app.

Online reviews for Revolut and Wise in Australia

Reviews are a great way to see how other consumers rate a product. Here is the latest Trustpilot AU rating for Revolut and Wise.

Revolut reviews¹⁴ Wise reviews¹⁵
Revolut has a 4.3 star rating based on 135,798 reviews Trustpilot AU which is rated as excellent. 75% of reviews have a 5-star rating. Wise has a 4.3 star rating based on 193,377 reviews on Trustpilot AU which is rated as excellent. 83% of reviews have a 5 star rating.

As seen on 9th July 2023

Customer support and contacts

Here is how you can make contact with Wise or Revolut.

Revolut AU Wise
Through live in-app support Multilingual customer support online, through in-app chat
Navigating the Help Centre Going through the FAQ section and Help centre online
See all the contact options here See how else to contact Wise here

Wrapping up

As you can see, both the Revolut card and the Wise card offer convenience and low fees when spending your cash abroad. Revolut offers their customers more options and features when it comes to their subscription plans and cards, whereas Wise keeps it simple with a one time ordering fee.

Depending on how much you’ll be spending, sending, receiving or holding foreign currencies will lead you to choosing the provider that suits your needs. If you are looking for an account that does come with local account details in multiple major currencies, you can register for a Wise account in just minutes.

Join over 16 million customers currently enjoying Wise. It’ll only take a few minutes to register and see what’s inside.

Register your Wise account in minutes 🚀

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.


  1. Revolut about
  2. Revolut plans
  3. Wise About
  4. Wise Card features
  5. Revolut standard fees
  6. Revolut Premium
  7. Revolut Metal fees
  8. Wise fees
  9. Wise add money
  10. Revolut Exchange rate
  11. Revolut FX rates fee
  12. Revolut currencies
  13. Revolut personalised cards
  14. Revolut reviews
  15. Wise reviews
  16. See Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information. Please note that certain products or features may not be available in all regions. Please visit check for availability and learn more about our offerings.

Sources checked on: 10 July 2023

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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