Comparison
Revolut vs Wise 2026
An objective comparison — which may suit different needs. Availability and terms may change; verify on official sources.
Category Revolut Wise
Personal accountRevolut functions as a comprehensive financial app with banking features and investment tools.Wise provides a specialized multi-currency account focused on international money management.
BusinessRevolut Business offers advanced expense management, team cards, and payroll integrations.Wise Business focuses on low-cost international payments and simple accounting software integrations.
International transfersRevolut applies variable fees and potential weekend markups for currency conversions.Wise uses the mid-market exchange rate with a transparent, upfront service fee.
Currency exchangeRevolut offers fee-free exchange on weekdays up to specific monthly plan limits.Wise consistently applies the mid-market rate without hidden exchange rate markups.
TravelRevolut provides multi-currency accounts and travel-related perks like lounge access on premium plans.Wise offers a debit card that automatically converts balances at the mid-market rate while traveling.
CardsRevolut offers a wide range of physical and virtual cards with customizable spending controls.Wise provides a single debit card that draws from multiple currency balances held in the account.
SavingsRevolut offers interest-bearing savings accounts or vaults depending on the user's region.Wise offers asset-based features in select regions to earn returns on held balances.
Virtual cardsRevolut allows users to generate multiple virtual cards for enhanced online security.Wise provides virtual cards for secure online spending in supported regions.
AvailabilityRevolut is available in a wide range of countries including the UK, EEA, US, and Australia.Wise operates globally with broad support for international transfers and account opening.
PlansRevolut utilizes a tiered subscription model ranging from free to premium metal plans.Wise operates on a pay-as-you-go model without monthly subscription fees for personal accounts.
FeesRevolut fees are dependent on the chosen plan, transaction type, and time of the week.Wise charges a transparent, variable service fee based on the currency route and amount.
App experienceThe Revolut app is a feature-rich hub for banking, trading, and lifestyle services.The Wise app is streamlined and optimized specifically for international transfers and currency management.
EligibilityRevolut eligibility depends on local banking regulations and the user's country of residence.Wise eligibility is subject to regional compliance and identity verification requirements.
Last verified September 2026. Always check official Revolut and Wise terms for current features.
Which may suit you?
Different needs, different fits
Revolut may suit
- Users wanting an all-in-one banking app
- Frequent travelers needing lounge access
- People who prefer tiered subscription benefits
- Users needing advanced expense management
Wise may suit
- Users prioritizing mid-market exchange rates
- People seeking a simple, no-subscription account
- Frequent senders of international payments
- Users wanting transparent, upfront fee structures
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