Chase vs Revolut: Fees, Rates & Speed Compared
Chase ahead nowhere; Revolut on USD → INR, USD → MXN.
Chase
Won 0 of 2 routes here
3.5
Revolut
Won 2 of 2 routes here
4.7Chase sends international wires itself, from most of its checking accounts once you enrol online or in the app; Chase Secure Banking accounts can only receive wires and Chase First Banking accounts cannot use them. Revolut is not a US bank: the OCC says it serves US customers through FDIC-insured partner banks, while its own bank charter has only preliminary approval. Start from the account already holding your dollars and confirm it can send abroad.
Live comparison: Chase vs Revolut across popular corridors
Recipient payout route by route, Chase against Revolut, from collected quotes (not guaranteed).
| Corridor | Chase | Revolut | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹90,599.87 | ₹93,848.69 | Revolut (+₹3248.82) |
| GBP → EUR(£1,000) | — | €1,172.78 | N/A |
| USD → PHP($500) | — | ₱31,339.09 | N/A |
| USD → MXN($1,000) | MX$17,971.17 | MX$18,520.24 | Revolut (+MX$549.07) |
| GBP → PKR(£500) | — | — | N/A |
| USD → NGN($200) | — | — | N/A |
Chase vs Revolut: Feature comparison
| Feature | Chase | Revolut |
|---|---|---|
| Overall rating | 3.5/5 (Good) | 4.7/5 (Excellent) |
| Fee structure | $5 online FX wire; $40 in USD | £1,000/month, then 1% (Standard) |
| Exchange rate markup | 2% - 4% above mid-market | Own rate; weekend fee |
| Transfer speed | 1-5 business days | Instant to 3 days |
| Supported countries | 90+ | 150+ |
| Supported currencies | 40+ | 36+ |
| Max transfer | $250,000 | No limit |
| Delivery methods | Bank Deposit | Bank Deposit, Revolut Account |
| Regulators | OCC, FDIC, Federal Reserve | FCA, ECB, FinCEN |
Chase sends wires as a bank; Revolut US works via partner banks
In Chase, enrol in wires first: Chase then shows your daily limit, the currencies on offer for the destination country, and an exchange rate it guarantees for 30 minutes inside the send flow. Supply any detail the destination country requires, since Chase names missing information as a reason wires are returned. In Revolut, read the terms in the app for the bank that holds your balance and the company that sends your transfer.
A chartered bank and a fintech still waiting for its charter
Deposit products at Chase are offered by JPMorgan Chase Bank, N.A., Member FDIC, according to Chase, and its international wires leave straight from those checking accounts, as one-time, future-dated or repeating transfers. Its wire FAQs say you can send to more than 90 countries in more than 40 currencies, that federal regulations put some destinations off limits, and that the currencies available depend on the country receiving the wire. Chase applies its exchange rate when you submit the transaction.
Revolut is set up differently in the US. In Corporate Decision #1390, dated 2 September 2026, the OCC, which charters national banks, says Revolut currently offers prepaid cards, credit and payment services to US customers through FDIC-insured bank partners, and that Revolut wants a bank of its own in place of that partner bank model. The decision gives preliminary conditional approval to charter Revolut Bank US, National Association, headquartered in Stamford, Connecticut, but leaves out the proposed retail foreign exchange business, which needs a separate supervisory non-objection before it can begin. Final approval and permission to open come only once every pre-opening requirement is met.
That structure decides how deposit insurance applies. The FDIC says nonbank companies themselves are never FDIC-insured, and that deposit insurance does not protect against a nonbank company's insolvency or bankruptcy. Pass-through coverage at a partner bank depends on records showing who owns the money and how much each person owns, so the FDIC advises identifying the specific insured bank where an app says it will deposit your funds, and reading its disclosures and terms of service.
Chase vs Revolut: your questions
Can every Chase account send an international wire?
No. Chase's wire FAQs say most Chase checking accounts can send and receive wires, Chase Secure Banking accounts can receive them but not send, and Chase First Banking accounts do not support wires at all. You enrol first, on chase.com or in the Chase Mobile app, and Chase shows your daily transfer limit before you add a recipient. If you would rather have help, Chase says a banker can send the wire in a branch when you bring photo ID and your mobile phone, though a wire sent that way may carry a higher fee.
Why might a Chase international wire come back for less than I sent?
Chase lists the usual reasons a wire is returned: a wrong account number, missing bank or country-specific information such as a statement of payment purpose, a message to the recipient bank that conflicts with its records, or a recipient name that does not match the receiving bank's records. The money can come back smaller, Chase says, because the recipient bank or an intermediary bank deducted processing fees, or because the exchange rate on the return differed from the rate on the original wire.
How long do I have to cancel a Chase international wire?
For a wire from a personal account, Chase gives you 30 minutes after you authorise it: find it under Wire activity and choose Cancel, which only appears while cancelling is still possible. Same-day domestic wires cannot be cancelled. That matches the 30-minute window the Consumer Financial Protection Bureau describes for international money transfers, which can be longer where state law or a provider's own rules allow. After that, Chase warns, recovering money sent by mistake or to a scammer is very unlikely.