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Wise vs Revolut at a glance
| Wise | Revolut | |
|---|---|---|
| Best for | Transfers to a bank account at the real exchange rate | Travellers and people who hold several currencies |
| Pricing model | Pay as you go | Free plan |
| Available in | Global | UK, EU, US and more |
| Key features | Mid-market exchange rate Fee shown before you send Multi-currency account and card | Spend and exchange many currencies Instant transfers between Revolut users Free and paid plans |
| Website | Visit Wise ↗ | Visit Revolut ↗ |
Pricing
Wise charges per transaction or transfer (pay as you go), while Revolut has a free plan, with paid upgrades. We never publish exact prices because they change too often; check the current plans on each website.
Where they work
Wise is available worldwide; Revolut in UK, EU, US and more. Check that the one you like works in your country first.
Which one should you choose?
- Choose Wise: the better fit for transfers to a bank account at the real exchange rate.
- Choose Revolut: the better fit for travellers and people who hold several currencies.
Still unsure? Run through these before you sign up for either:
- The exchange rate compared with the mid-market rate (our fee calculator does this).
- How fast money arrives and how the recipient can collect it.
- Coverage for the countries and currencies you need.
- Whether it is licensed in your country.
Frequently asked questions
What is the main difference between Wise and Revolut?
Wise is built for transfers to a bank account at the real exchange rate. Revolut is built for travellers and people who hold several currencies. Wise charges per transaction or transfer (pay as you go), while Revolut has a free plan, with paid upgrades.
Is Wise or Revolut available in my country?
Wise is available worldwide; Revolut in UK, EU, US and more. Check that the one you like works in your country first.
Is Wise cheaper than Revolut?
It depends on how you use it, and prices change often, so we only list the pricing model. Wise charges per transaction or transfer (pay as you go), while Revolut has a free plan, with paid upgrades. Compare the current plans on each website before you sign up.
Not sold on either?
There are 10 other money transfer & multi-currency tools in the directory. Compare them all →
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Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with Wise or Revolut unless marked as featured, sponsored or affiliate link. Not financial advice.