Chase vs Revolut: Fees, Rates & Speed Compared
Chase
3.5Chase (JPMorgan Chase) is one of the largest US banks, offering international wire transfers to account holders. Convenient but typically more expensive than specialist providers.
Revolut
4.7Revolut is a digital banking app offering international money transfers at interbank rates during market hours, along with a full suite of financial services.
Chase and Revolut are both popular choices for international money transfers, but they take different approaches. Chase, founded in 1799 and headquartered in New York, USA, is best known for large transfers and business payments. Revolut, operating since 2015 from London, UK, focuses on transparent, low-cost transfers. This comparison uses real transfer data collected from both providers across 6 popular corridors to show you exactly which one offers better value for your specific needs. Our data shows the difference can be significant — on a $1,000 USD → INR transfer, Revolut delivers ₹3195.31 more to the recipient.
In this comparison
Live comparison: Chase vs Revolut across popular corridors
The table below shows how much the recipient receives when sending through Chase vs Revolut on 6 popular corridors. Data is refreshed every 6 hours from provider APIs and websites.
| Corridor | Chase | Revolut | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹91,777.19 | ₹94,972.50 | Revolut (+₹3195.31) |
| GBP → EUR(£1,000) | — | €1,141.82 | N/A |
| USD → PHP($500) | — | ₱30,384.44 | N/A |
| USD → MXN($1,000) | MX$16,842.74 | MX$17,341.09 | Revolut (+MX$498.35) |
| GBP → PKR(£500) | — | ₨184,166.84 | N/A |
| USD → NGN($200) | — | — | N/A |
Amounts shown are what the recipient receives. Based on current scraped data, updated every 6 hours.
Key differences between Chase and Revolut
Chase vs Revolut: Feature comparison
| Feature | Chase | Revolut |
|---|---|---|
| Overall rating | 3.5/5 (Good) | 4.7/5 (Excellent) |
| Fee structure | $5 domestic, $40-$50 international wire | Free up to £1,000/month, then 0.5% |
| Exchange rate markup | 2% - 4% above mid-market | 0% weekdays, 0.5-1% weekends |
| Transfer speed | 1-5 business days | Instant to 3 days |
| Supported countries | 200+ | 150+ |
| Supported currencies | 100+ | 36+ |
| Max transfer | $250,000 | No limit |
| Payment methods | Bank Transfer | Bank Transfer, Debit Card, Revolut Balance |
| Delivery methods | Bank Deposit | Bank Deposit, Revolut Account |
| Regulators | OCC, FDIC, Federal Reserve | FCA, ECB, FinCEN |
| Founded | 1799 | 2015 |
Pros and cons
Chase
Pros
- Trusted major US bank
- Wide currency support
- Existing customers can send easily
- Strong regulatory oversight
Cons
- High transfer fees ($5-$50)
- Poor exchange rate markup (3%+)
- Much more expensive than specialist providers
Revolut
Pros
- Interbank rates during market hours
- Free transfers between Revolut users
- Multi-currency account
- Virtual and physical cards
- Crypto and stock trading available
Cons
- Weekend markup of 0.5-1%
- Free tier has monthly limits
- Customer support can be slow
When to choose Chase vs Revolut
Choose Chase if:
- You want the real mid-market exchange rate with no hidden markup
- You need wider country coverage (200+ vs 150+ countries)
- Chase's strengths (Bank Deposit) match your needs
Choose Revolut if:
- You want the real mid-market exchange rate with no hidden markup
- You need to transfer large sums (Revolut has no upper limit)
- You need a multi-currency account to hold and convert balances
Verdict: Chase or Revolut?
Cost winner: Revolut
Revolut wins on cost in 2 of 6 corridors we tested. For example, on USD → INR ($1,000), the recipient gets ₹3195.31 more with Revolut. Revolut achieves this through transparent pricing with the real mid-market exchange rate.
Faster: Revolut
Revolut is generally faster, with transfers arriving in Instant to 3 days, compared to 1-5 business days for Chase.
Wider coverage: Chase
Chase has broader coverage with 200+ countries and 100+ currencies. Chase also offers Bank Deposit.
Bottom line
Overall, Revolut edges ahead for most users thanks to transparent pricing with the real mid-market exchange rate. That said, Chase is the better pick if you need large transfers and business payments.
Frequently asked questions
Is Chase or Revolut cheaper for international transfers?
Based on our data, Revolut is generally cheaper across most corridors. Revolut charges Free up to £1,000/month, then 0.5% with a 0% weekdays, 0.5-1% weekends exchange rate markup, while Chase charges $5 domestic, $40-$50 international wire with a 2% - 4% above mid-market markup. For example, on a $1,000 USD → INR transfer, Revolut delivers ₹3195.31 more. However, costs vary by corridor, so always compare for your specific route.
Which is faster, Chase or Revolut?
Chase typically completes transfers in 1-5 business days, while Revolut takes Instant to 3 days. Actual speed depends on the corridor, payment method, and delivery option you choose. Bank transfers tend to be slower than card-funded transfers, and bank deposits are generally faster than cash pickups.
Are Chase and Revolut safe to use?
Yes, both are regulated money transfer services. Chase is regulated by OCC, FDIC, Federal Reserve and has a 3.5/5 Trustpilot rating. Revolut is regulated by FCA, ECB, FinCEN with a 4.7/5 Trustpilot rating. Both companies are required to safeguard customer funds under their respective regulatory frameworks.
What are the transfer limits for Chase vs Revolut?
Chase has a maximum transfer of $250,000 (minimum $1), while Revolut allows up to no published upper limit (minimum $1). Limits may vary by corridor, account verification level, and payment method. New accounts typically start with lower limits that increase over time.
Can I get cash pickup with Chase or Revolut?
Chase offers Bank Deposit. Revolut offers Bank Deposit, Revolut Account. Neither provider offers cash pickup — both deliver to bank accounts only.
Should I use Chase or Revolut to send money internationally?
For most users, Revolut offers better overall value thanks to transparent pricing with the real mid-market exchange rate. However, Chase is the better choice if you need large transfers and business payments. The best provider for you depends on your corridor, transfer size, and whether you need features like Revolut Account.