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Last updated: Oct 2026

Revolut vs. Wise

Compare cards, fees, spending abroad, and everyday travel features.
1
VS
1
How We Rank
Feature Breakdown
Winner!
1

9.8

Visit Site
1

9.2

Visit Site
Company
Overview

Multi-currency account with international spending and money management features. Available features, exchange allowances and travel benefits vary depending on the selected plan.

International money transfers and multi-currency account designed for sending, receiving and managing money across currencies. Available features are subject to individual eligibility and account terms.

Fees
Free sign-up option
Free card
Application fees

£0 fees

One-time fee, £7

ATM withdrawals Fees

No Revolut fee on up to £200 per rolling month

Two free withdrawals up to £200 per month

Trustpilot
360,760 Reviews
285,204 Reviews
Travel Features
Multi-currency account

Hold and exchange 30+ currencies

Hold and exchange 20+ currencies

International Payments
Currency exchange

Exchange currencies within plan allowance (weekend markups may apply)

Exchange currencies for a variable fee (fees depend on the currency pair and amount)

Travel insurance

Available on selected paid plans
Banking Features
Virtual cards
Physical cards
Custom card design
Investment features

Available in-app
Savings features

Savings features available (subject to eligibility)

Not available

Rewards

Merchant offers available (selected plans)

Not available

Ways to top up

Bank transfers, cards and cash (fees may apply)

Bank transfers and cards (fees may apply)

Kids accounts

Revolut <18 account available
Security
Card freeze/unfreeze via app
Disposable virtual cards
Real-time transaction notifications
User authentication

2-factor authentication, biometric login and app passcode

2-factor authentication

Fraud Protection

Bottom Line

Winner!
1
1
Editorial Score

9.8

9.2

Key Takeaways

Revolut includes features for everyday banking, international spending and travel use, including a multi-currency account, budgeting tools, virtual cards and selected paid-plan benefits. Terms apply.

Sign Up

Wise may suit users focused on international transfers and managing money across currencies. It offers fewer everyday banking and travel features than Revolut. Terms apply.

Sign Up