Head-to-head
Revolut vs XE
Fees, speed, and ratings compared side by side.
| Feature | Revolut | XE |
|---|---|---|
| Overall rating | 4.3 / 5 | 4.4 / 5 |
| Typical fees | 0.3% | 0% |
| FX markup | 0.5% | 0.8% |
| Transfer speed | Minutes | Next day |
| 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 | No |
| 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
XE
XE is best known for its currency converter, and backs its transfer product with decades of FX data and no fixed transfer fee.
Pros
- No fixed fee on transfers
- Long track record and brand recognition in FX
- Multi-currency account available alongside transfers
Cons
- No cash pickup or mobile wallet payout
- Typically next-day rather than same-day delivery
- Rate markup trails the cheapest specialists
See today's live rates
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Live comparison
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