Head-to-head
Revolut vs Wise
Fees, speed, and ratings compared side by side.
| Feature | Revolut | Wise |
|---|---|---|
| Overall rating | 4.3 / 5 | 4.7 / 5 |
| Typical fees | 0.3% | 0.45% |
| FX markup | 0.5% | 0.3% |
| Transfer speed | Minutes | Within hours |
| App rating (iOS / Android) | 4.7 / 4.3 | 4.8 / 4.6 |
| Supported currencies | 25 currencies supported | 25 currencies supported |
| Cash pickup | No | No |
| Mobile wallet payout | Yes | Yes |
| Multi-currency account | Yes | Yes |
| Business accounts | Yes | Yes |
Pros & cons
Revolut
Revolut is built around its own app and card, with free transfers between Revolut users and a paid plan structure for everyone else.
Pros
- Near-instant between two Revolut accounts
- Transfers sit next to everyday spending and budgeting tools
- No fixed fee on standard transfers
Cons
- FX markup is higher than dedicated transfer specialists
- Best pricing requires a paid subscription tier
- No cash pickup option
Wise
Wise built its reputation on charging the real mid-market exchange rate and a small, upfront fee instead of folding a markup into the rate.
Pros
- Consistently the smallest FX markup in this comparison
- Fee is shown in full before you confirm
- Multi-currency account holds 40+ currencies at once
Cons
- No cash pickup option
- Fees rise for card-funded transfers
- Occasional extra verification for large first-time transfers
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Live comparison
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