Revolut vs Chase: Fees, Rates & Speed Compared
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
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 and Chase are both popular choices for international money transfers, but they take different approaches. Revolut, founded in 2015 and headquartered in London, UK, is best known for transparent, low-cost transfers. Chase, operating since 1799 from New York, USA, focuses on large transfers and business payments. 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 ₹3023.68 more to the recipient.
In this comparison
Live comparison: Revolut vs Chase across popular corridors
The table below shows how much the recipient receives when sending through Revolut vs Chase on 6 popular corridors. Data is refreshed every 6 hours from provider APIs and websites.
| Corridor | Revolut | Chase | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹95,747.26 | ₹92,723.58 | Revolut (+₹3023.68) |
| GBP → EUR(£1,000) | €1,153.60 | — | N/A |
| USD → PHP($500) | ₱30,575.23 | — | N/A |
| USD → MXN($1,000) | MX$17,209.66 | MX$16,713.37 | Revolut (+MX$496.29) |
| GBP → PKR(£500) | — | — | 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 Revolut and Chase
Revolut vs Chase: Feature comparison
| Feature | Revolut | Chase |
|---|---|---|
| Overall rating | 4.7/5 (Excellent) | 3.5/5 (Good) |
| Fee structure | Free up to £1,000/month, then 0.5% | $5 domestic, $40-$50 international wire |
| Exchange rate markup | 0% weekdays, 0.5-1% weekends | 2% - 4% above mid-market |
| Transfer speed | Instant to 3 days | 1-5 business days |
| Supported countries | 150+ | 200+ |
| Supported currencies | 36+ | 100+ |
| Max transfer | No limit | $250,000 |
| Payment methods | Bank Transfer, Debit Card, Revolut Balance | Bank Transfer |
| Delivery methods | Bank Deposit, Revolut Account | Bank Deposit |
| Regulators | FCA, ECB, FinCEN | OCC, FDIC, Federal Reserve |
| Founded | 2015 | 1799 |
Pros and cons
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
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
When to choose Revolut vs Chase
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
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
Verdict: Revolut or Chase?
Cost winner: Revolut
Revolut wins on cost in 2 of 6 corridors we tested. For example, on USD → INR ($1,000), the recipient gets ₹3023.68 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 Revolut or Chase 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 ₹3023.68 more. However, costs vary by corridor, so always compare for your specific route.
Which is faster, Revolut or Chase?
Revolut typically completes transfers in Instant to 3 days, while Chase takes 1-5 business 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 Revolut and Chase safe to use?
Yes, both are regulated money transfer services. Revolut is regulated by FCA, ECB, FinCEN and has a 4.7/5 Trustpilot rating. Chase is regulated by OCC, FDIC, Federal Reserve with a 3.5/5 Trustpilot rating. Both companies are required to safeguard customer funds under their respective regulatory frameworks.
What are the transfer limits for Revolut vs Chase?
Revolut has a maximum transfer of no published upper limit (minimum $1), while Chase allows up to $250,000 (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 Revolut or Chase?
Revolut offers Bank Deposit, Revolut Account. Chase offers Bank Deposit. Neither provider offers cash pickup — both deliver to bank accounts only.
Should I use Revolut or Chase 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.