Revolut vs. Wise: Which is best for you? 2025 Guide

Managing money across borders has never been easier, but choosing the right platform can make a huge difference to your wallet. Revolut and Wise are two of the most popular options for international banking and money transfers, yet they're also quite different.

Wise focuses on international money transfers and multi-currency accounts with transparent fees and no currency exchange rate markups. Revolut has broader features, with options for cryptocurrency and stock investments, but you may spend more in fees.

Here's a closer look at Revolut vs Wise, including their main fees and features.

Table of contents
Revolut vs. Wise: An overview Revolut vs. Wise: Accounts Revolut vs. Wise: Money Transfer Transfer fees Exchange rates Large transfers & limits Transfer times Revolut vs. Wise: Cards Revolut vs. Wise: Customer Support Revolut vs. Wise: Security Summary: Is Revolut or Wise better for you?

Revolut vs. Wise: An overview

Here's how Wise and Revolut compare across key features:

Feature	Wise	Revolut
Exchange rates	Mid-market rate with no markup	Includes a markup
Transfer fees	Starting at 0.41%¹	The greater of a fee of up to 5% or a fixed fee of 10 USD²³⁴
Monthly fees	Free account	Standard: 0 USD⁵ Premium: 9.99 USD⁵ Metal: 16.99 USD⁵
Multi-currency account	40+ currencies	25+ currencies⁶
ATM withdrawals	First two withdrawals up to a total of $100 per month for no fee*¹	Free in-network⁷ Standard: 2% fee² Premium: 2% fee after 800 USD⁷ Metal: 2% fee after 1,200 USD⁷
Cryptocurrency	Not available	Available
Stock trading	Not available	Available
Business accounts	Available	Available
Customer support	24/7	24/7

*The ATM operator may charge their own fees.

Overall, Wise is often cheaper for sending money abroad because it uses the mid-market exchange rate without adding extra costs, and its fees start at just 0.41%*.¹ Revolut charges transfer fees as well as currency exchange rate markups, which add up, especially on large transfers.

At the same time, Revolut has decent ATM withdrawal limits before charging you fees (for Premium and Metal accounts). You can also buy stocks and trade crypto, if that's something you're interested in.

💡 Learn more about Revolut alternatives in our full guide.

Revolut vs. Wise: Accounts

With Wise, you get a free multi-currency account that allows you to hold money in 40+ currencies, send money to 140+ countries, and receive money in 8+ currencies with local bank account details.

This means you get local account numbers for places like the UK and Europe, so people can send you money as if you have a local bank account there.

With Revolut, you get a subscription model with different plans that unlock more features as you pay more. You can send money in 25+ currencies to 140+ countries for international transfers, but many other features depend on which plan you choose.⁶

Account type	Monthly fees	Currencies to hold⁶
Revolut Standard	Free⁵	25+ currencies
Revolut Premium	9.99 USD⁵	25+ currencies
Revolut Metal	16.99 USD⁵	25+ currencies
Wise	Free	40+ currencies

When it comes to a Revolut vs. Wise comparison, it can feel annoying to pay monthly fees for your Revolut account, but you do get some nice perks like card customization, accidental medical insurance (only for Metal plans), and discounted airport lounge access.⁵

With the Premium and Metal plans, you also save on Revolut international transfer fees — you get a 20% discount with Premium and a 40% discount with Metal. However, terms and conditions apply.⁵

With Wise, all users get access to all available features for free.

If you’re a US based customer with an eligible personal or business account you can opt into the Wise interest feature to start earning 3.66% annual percentage yield — APY — (as of December 20, 2024, subject to change) on the USD in your Wise Account.⁸

Revolut vs. Wise: Money Transfer

Transfer fees

When it comes to Revolut vs. Wise fees, both platforms charge them when you want to send money or make international payments.

Wise's fees start at 0.41% of the transfer amount.¹ Revolut charges either up to 5% of the transfer amount or a fixed fee of up to 10 USD for smaller transfers, whichever is higher.^2,3,4

For both services, the exact amount depends on where you're sending money and, for Revolut, which plan you have. For example, Premium plan customers get a 20% discount on Revolut's transfer fees, and Metal customers get a 40% discount.⁵

Exchange rates

With Revolut vs. Wise exchange rates, there's a huge difference between these money transfer services.

Wise uses the mid-market rate, which is the exchange rate you see on Google with no markup. However, Revolut uses its own exchange rate that includes a markup, so you'll pay more for switching from one currency to another.

For currency exchanges within the app (not transfers), Revolut has monthly limits where you can exchange money at better rates:^5,9

• Standard plan: Up to 1,000 USD per month at their standard rate, then a 0.5% fee on additional exchanges
• Premium plan: Up to 10,000 USD per month at their standard rate, then a 0.5% fee on additional exchanges
• Metal plan: No monthly limits

Some Revolut customers also pay extra fees for weekend exchanges. Standard customers pay 1% extra between 5 pm Friday and 6 pm Sunday, but Premium and Metal customers don't pay these weekend fees.⁹

You won't run into any of these fees and restrictions with Wise since it uses the mid-market currency conversion rate for foreign exchange.

Large transfers & limits

Both Wise and Revolut can handle big money transfers.

Revolut doesn't set specific limits for most currencies and countries, so you can usually send transfers of any size. However, their payment partners might have limits on certain currencies, and you'll see these limits in the app before you send money.¹⁰

If you're sending a very large amount, Revolut might need extra time to run security checks, but they'll keep you updated on your transfer's progress.¹⁰

Wise has different limits depending on the currency and how you send the money, but they're typically quite high.¹¹

Need to send a large amount? With Wise, you can send up to 1,000,000 USD per wire transfer to 140+ countries — and we automatically apply a discount when you send over 25,000 USD (or equivalent)*.

🚀Send high-amount transfers with Wise

*For more information, please visit https://wise.com/us/large-amounts/.

Transfer times

Both Revolut and Wise are pretty fast, but the speed of your transfer ultimately depends on where you're sending the money, your payment method, and other details.

Revolut transfer times:

• To other Revolut users: Usually 20 seconds⁶
• Local USD transfers: 1 business day for wire transfers; up to 5 business days for ACH transfers¹²
• International transfers: Up to 2 business days via SWIFT¹²

If your transfer takes longer than expected, you can contact Revolut's support team through the app.

Wise transfer times:

• To other Wise users: Usually instant
• USD to US bank accounts: 0-3 business days for ACH; same day or next business day for wire transfers¹¹
• USD to banks outside the US: 1-6 business days via international wire¹¹

Overall, Wise is fast. 64% of all transfers arrive in under 20 seconds, and 95% arrive within a day*. You'll also get an estimated delivery time when you set up your transfer, so you know what to expect.¹³

Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

Revolut vs. Wise: Cards

You can get a connected card with both Revolut and Wise.

The Wise Multi-Currency Card is simple. You pay a one-time fee of 9 USD to order the card (or 11.58 USD for express delivery), and there are no monthly or annual fees.¹⁴

Wise won’t charge a fee for the first two ATM withdrawals each month if the total combined withdrawal amount does not exceed $100. After $100 is withdrawn in a month, any amount in excess will be charged a 2% fee.

After your first 2 withdrawals, there's a $1.50 charge per withdrawal. The ATM operator may charge their own fees.¹

A big perk is that you get the mid-market exchange rate when you use your card.

Revolut cards come in different types based on your plan and preferences. You can get physical cards, virtual cards, and even disposable ones for everyday spending. The Metal plan gives you more card perks but comes with the highest fees.

ATM withdrawals come with a fee of 2%, but Premium and Metal plans allow you to withdraw 800 USD and 1,200 USD (respectively) first before starting to charge you the fee.^2,3,4

When it comes to the Revolut card vs. Wise Multi-Currency card, the fees are comparable, but Revolut's can be higher depending on your plan and card.

Revolut vs. Wise: Customer Support

Both Revolut and Wise have very capable support sections, and many of their 5-star reviews praise the companies for their efforts in this department.

You will find extensive FAQs and help sections on both websites, and these are substantial enough to cover any possible question. There are also Live Chat features, and these will connect you to an agent following a very short wait.

One of the biggest benefits of these services is that the support teams actually know what they are doing and can help. Many Live Chat services are outsourced to low-level staff members who don’t have access to accounts, have a tenuous connection to the service, and are unable to offer any technical assistance. That is not the case here. Both Revolut and Wise are exceptional when it comes to customer support.

One difference between the two products is that Revolut offers Priority customer support for Revolut Premium and Revolut Metal customers. Wise doesn't differentiate between customers, and everyone gets the same degree of quality support.

Revolut vs. Wise: Security

Both Revolut and Wise are secure platforms, and they take protecting your money and data seriously.

Revolut keeps your money safe by holding it at Lead Bank and Sutton Bank, with FDIC insurance up to 250,000 USD per bank. They use sophisticated AI and machine learning to flag suspicious transactions and detect attempted scams.¹⁵

You can also create disposable virtual cards for online shopping that refresh after each transaction.

Similarly, Wise doesn't lend out your money like banks do. Instead, they safeguard it by keeping it with trusted banks like Barclays and JP Morgan Chase.¹⁶

Wise is regulated by 65+ licenses around the world, and there's robust encryption and fraud monitoring by dedicated security teams.¹⁶

Summary: Is Revolut or Wise better for you?

Both Wise and Revolut are strong platforms with lots of features. You can transfer funds to many countries in multiple currencies and get local account details (with Wise), a linked multi-currency card, and much more. With Revolut, you also get cryptocurrency and stock features.

However, Wise wins on cost and simplicity for international money transfers. The fees are low, starting at 0.41%, and international transactions use the mid-market exchange rates with no hidden fees.¹

There are also no subscription fees, and all users get the same excellent treatment by the customer support team. You don't have to pay more to get more.

Make fast, secure, and low-cost international transfers with Wise

Send money to 140+ countries with the mid-market exchange rate and low, transparent fees with Wise. Set up a free Wise account online or in the Wise app, to transfer money fast in 40+ currencies.

Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

Get started with Wise

*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

Sources

1. Wise - Pricing
2. Revolut - Personal Fees (Standard Plan)
3. Revolut - Personal Fees (Premium Plan)
4. Revolut - Personal Fees (Metal)
5. Revolut - Plans
6. Revolut - International transfers
7. Revolut - Fees for cash withdrawals
8. Wise - Multi-currency account
9. Revolut - Currency exchange fees and limits
10. Revolut - Transferring large amounts of money
11. Wise - Guide to USD transfers
12. Revolut - Timeframes for transfers
13. Wise - Home page
14. Wise - Pricing for the Wise Multi-Currency Card
15. Revolut - Security
16. Wise - Safety and security

Sources checked 09/16/2025