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Wise vs Revolut
Wise and Revolut are prominent fintech platforms that simplify international money transfers and multi-currency management. Wise focuses on affordable, transparent exchange rates, making it a strong option for sending larger amounts abroad. Revolut offers broader financial services, such as cryptocurrency trading, travel insurance, and subscription-based perks.
Target Users
Wise is suited for those prioritizing low-cost, transparent international transfers, while Revolut caters to people wanting a full suite of digital banking tools and travel benefits.
Detailed Comparison Table
| Feature | Wise | Revolut |
|---|---|---|
| Primary Focus | Transparent, low-cost international transfers using mid-market exchange rates. | All-in-one financial app with currency exchange, crypto, travel perks, and more. |
| Currencies Supported | 40+ currencies. | 150+ currencies. |
| Multi-Currency Accounts | Low, transparent fees with real market rates. | Similar function, but pricing varies by subscription tier. |
| International Payments | Real mid-market rates, clear fees. | Instant transfers between users; rates vary by plan. |
| Debit Cards | Globally accepted; simple cost structure; supports Apple Pay & Google Pay. | Globally accepted: Apple Pay & Google Pay; more perks in higher tiers. |
| Fees & Exchange Rates | Consistently transparent, often lower fees. | Vary by subscription; may include extra costs for high-volume use. |
| Hidden Charges | None; all fees are shown upfront. | Possible extra fees depending on plan and limits. |
| Exchange Rate Transparency | Interbank rate without markup. | Rates may change based on subscription. |
| Frequent Traveler Benefits | Low-cost foreign spending; clear ATM withdrawal terms. | Travel insurance, lounge access, multi-currency wallets, and variable ATM allowances. |
| Business Features | Multi-currency holding, low-cost transfers. | Corporate cards, expense controls, bulk payments. |
| Transfer Limits | Up to ~$1 million; quick settlements. | Depends on account type; instant between users. |
| Mobile App | Simple, responsive, and integrated support. | Simple, responsive 24/7 live chat. |
| Security | Encryption, 2FA, licensed in multiple jurisdictions. | Encryption, 2FA, licensed in multiple jurisdictions. |
| Best For | Cost-efficient, transparent international transfers. | Users seeking extra financial tools and premium travel perks. |
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Business Accounts
Wise enables businesses to hold/send multiple currencies at low cost. Revolut adds more corporate-focused tools such as expense tracking and automated payments.
Security and Compliance
Both Wise and Revolut maintain strong security with encryption, two-factor authentication, and licensing in multiple jurisdictions.
Conclusion
Choosing between Wise and Revolut depends on whether you value predictable, low fees or a broader feature set with travel perks. Wise is best for cost-efficient transfers; Revolut excels in all-in-one financial services with added benefits.
Frequently Asked Questions
Which is better for frequent travelers?
Revolut generally offers more travel perks, though Wise is cost-effective for spending abroad.
Can both be used for business?
Yes. Wise focuses on low-cost transfers, while Revolut adds corporate cards and expense controls.
How do their fees differ?
Wise has transparent, consistent fees; Revolut’s vary by subscription and usage.
What customer support do they offer?
Wise has a help center, forums, and direct contact. Revolut offers 24/7 live chat.
Reviewed and edited by Albert Fang.
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Article Title: Wise vs. Revolut: Which Global Money Transfer App Fits You Best?
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