In the era of global freelancing, remote work, and international travel, managing money across borders has never been more important. Two of the most popular fintech platforms leading this space are Revolut and Wise (formerly TransferWise). But with both offering international transfers, multi-currency accounts, and digital banking tools, the question remains: Revolut vs. Wise — which is better for your financial needs?
In this comprehensive 2025 comparison, we break down both platforms based on features, fees, usability, exchange rates, and ideal use cases. Whether you’re a digital nomad, a frequent traveler, or just want to send money abroad, this guide will help you decide which app fits your lifestyle.
Quick Overview: What Are Revolut and Wise?
Revolut
Launched in 2015 in the UK, Revolut offers a full-fledged digital banking experience. Beyond international transfers, Revolut users get access to budgeting tools, crypto and stock trading, travel insurance, and even virtual cards.
Key Features:
- Multi-currency account
- Currency exchange with interbank rates
- Crypto and stock investing
- Premium & Metal plans
- Travel and lifestyle perks
Wise
Founded in 2011 as TransferWise, Wise focuses on low-cost international transfers and multi-currency money management. Wise’s mission is to make moving money globally as cheap and transparent as possible.
Key Features:
- Borderless multi-currency account
- Real mid-market exchange rate
- Transparent flat-fee pricing
- Local bank details in multiple countries
- Business-friendly features
Feature Comparison — Revolut vs. Wise
| Feature | Revolut | Wise |
| Currency Exchange | Interbank rates, small markup | Real mid-market rate |
| Transfer Speed | Instant to 1-2 days | Same-day to 2 days |
| Available Currencies | 30+ | 40+ |
| Crypto Support | Yes | No |
| Stock Trading | Yes (US stocks only) | No |
| Travel Perks | Yes (with paid plans) | No |
| Local Account Details | Yes (limited) | Yes (10+ currencies) |
| Business Account | Yes | Yes |
| Fees | Free + Tiered plans | Flat, transparent fees |
| Security | FCA-regulated, 2FA | FCA-regulated, 2FA |
1. Currency Exchange & Transfer Fees
Wise Wins for Transparent and Low Fees
Wise is known for mid-market exchange rates with no hidden markups. You’ll always see the fee upfront, and it’s usually lower than banks and even Revolut in some cases.
- Example: Sending €1,000 from Germany to the U.S. via Wise in 2025 costs approx €6.35, while Revolut may charge slightly more depending on your plan and currency pair.
Revolut offers free exchange up to a monthly limit (e.g., €1,000 on the free plan), but adds a small markup after the limit or on weekends.
Verdict:
- Choose Wise if low-cost and transparent global transfers are your priority.
- Choose Revolut if you want bundled features like travel perks and you stay within free limits.
2. Ease of Use & App Experience
Both apps offer slick, user-friendly mobile interfaces. However, their focuses differ:
- Revolut feels more like a digital bank with dashboards for budgeting, trading, and savings vaults.
- Wise keeps things simple with a focus on transfers, conversions, and holding money in different currencies.
Bonus: Both apps support virtual and physical cards for spending abroad.
3. Travel and International Spending
Revolut Wins for Travel Extras
Revolut is tailored for travel with features like:
- Free international ATM withdrawals (with limits)
- Travel insurance on Premium & Metal plans
- No foreign transaction fees on most plans
- Disposable virtual cards for extra security
Wise also offers a debit card that works globally and lets you spend in multiple currencies with no conversion fee (if you already have the balance in that currency).
Verdict:
- Choose Revolut for all-in-one travel finance.
- Choose Wise for low-cost currency conversion while abroad.
4. Business Use
Both platforms offer business accounts that allow:
- International payroll
- Bulk payments
- Invoice management
- Local account details (IBAN, sort code, etc.)
Wise shines for cross-border payments at scale, while Revolut Business includes features like corporate cards, FX analytics, and integrations with tools like Xero or QuickBooks.
5. Additional Features
| Feature | Revolut | Wise |
| Crypto trading | ✅ | ❌ |
| Stock trading | ✅ | ❌ |
| Budgeting Tools | ✅ | ❌ |
| Cashback/Perks | ✅ (paid plans) | ❌ |
| Savings Vaults | ✅ | ❌ |
Revolut positions itself as a “financial super app”, making it attractive if you’re looking for a one-stop-shop. Wise is better for users who want one thing done really well—moving money cheaply and efficiently.
Who Should Use Revolut or Wise?
| User Type | Best Choice |
| Digital Nomad | Revolut |
| Freelancer Paid Globally | Wise |
| Budget Traveler | Revolut |
| International Business | Wise |
| Crypto & Stock Investor | Revolut |
| Family Sending Money Abroad | Wise |
Conclusion: Which One Is Better for You in 2025?
The choice between Revolut and Wise ultimately depends on your financial habits and goals.
- Go with Wise if you want the lowest transfer fees, real exchange rates, and simple global account features.
- Choose Revolut if you want added perks, investing features, and a more complete digital banking experience—especially for travel.
Both platforms are FCA-regulated, highly secure, and easy to use, making either a solid pick depending on your lifestyle.
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