Wise vs Revolut: Best Money Transfer Services in 2026
Editorially independent. This page may contain affiliate links and clearly-labeled paid placements — see our advertising disclosure. Paid placements never change the ranking order below. Prices are indicative ($) and change often.
We evaluated Wise and Revolut against six specific criteria: transfer fees, currency coverage, ATM limits, interest rates, plan structures, and business integrations. This comparison is designed for cost-conscious international senders and SMB owners who prioritize transparent mid-market rates over bundled lifestyle perks.
How we ranked these
Head to head
Wise
Our pickBest for: Cost-conscious international senders and SMBs needing QuickBooks/Xero sync
- Uses mid-market exchange rate with no markup, resulting in a $53.91 fee on a $10,000 transfer
- Provides local account details (IBAN, sort code, routing number) in 9 currencies
- Supports holding funds in 40+ currencies, significantly more than competitors
- Offers 3.14% APY interest on eligible US-based accounts
- No cash pickup option; funds must go to bank accounts or mobile wallets
- ATM withdrawals incur a 1.95% fee plus $1.95 per withdrawal after the first $250/month
- Identity verification (KYC) processes can take longer than expected
Revolut
Best for: Travelers and lifestyle users wanting an all-in-one app with investment options
- Includes cryptocurrency, stock, and commodities trading within the app
- Offers disposable virtual cards for enhanced online shopping security
- Premium and Metal plans include travel insurance and lounge access
- Provides spending analytics and budgeting tools for lifestyle management
- Charges currency exchange rate markups rather than using pure mid-market rates
- Standard plan incurs a $75 fee on a $10,000 transfer, higher than Wise's $53.91
- Free tier has monthly fair-use limits on currency exchange, with 0.5% weekday fees upon exceeding them
How to choose
Choose Wise if you send large amounts; a $10,000 transfer costs $53.91 on Wise versus ~$75 on Revolut Standard.
Select Wise if you need to hold funds in more than 25 currencies, as Wise supports 40+ currencies compared to Revolut's 25+.
Revolut Metal offers higher free ATM limits ($1,200/month) compared to Wise's $250/month threshold before fees apply.
Wise is superior for SMBs due to native QuickBooks and Xero integrations and API access for batch payments.
Our verdict
Choose Wise for pure cost-efficiency on international transfers and business accounting integrations; choose Revolut if you prioritize bundled lifestyle perks like lounge access and integrated stock trading over lower transfer fees.
Frequently asked questions
Which service has lower transfer fees?
Wise typically charges less, with a $10,000 transfer costing approximately $53.91 compared to Revolut Standard's ~$75 fee.
How many currencies can each hold?
Wise supports holding funds in 40+ currencies, while Revolut supports 25+ currencies.
What are the ATM withdrawal limits?
Wise allows $250/month in free withdrawals before a fee applies, whereas Revolut Metal allows $1,200/month.
Does Wise offer interest on balances?
Yes, eligible US-based Wise accounts can earn 3.14% APY on held funds.
