Wise vs Revolut: Fees, Rates & Speed Compared
Wise ahead on USD → INR, GBP → EUR, USD → PHP, USD → MXN; Revolut on GBP → PKR.
Wise
Won 4 of 5 routes here
4.3
Revolut
Won 1 of 5 routes here
4.7Wise says it uses only the mid-market rate and charges a sending fee that varies by currency, from 0.24%; a transfer set up while currency markets are closed, from 5pm Friday New York time, gets Friday's last rate. Revolut sets its own exchange rate and says Standard customers pay no extra exchange fee on weekdays for the first £1,000 a month, then 1%. From 17:00 Friday to 18:00 Sunday Eastern Time its exchange fee is 1% on Standard and 0.5% on Plus, and nothing on Premium, Metal or Ultra. International payments other than euros within SEPA also carry a transfer fee, shown in the app. On Standard and Plus, the day you convert changes the price.
Live comparison: Wise vs Revolut across popular corridors
Recipient payout route by route, Wise against Revolut, from collected quotes (not guaranteed).
| Corridor | Wise | Revolut | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹94,290.07 | ₹93,388.42 | Wise (+₹901.65) |
| GBP → EUR(£1,000) | €1,195.36 | €1,170.29 | Wise (+€25.07) |
| USD → PHP($500) | ₱31,741.31 | ₱31,221.23 | Wise (+₱520.08) |
| USD → MXN($1,000) | MX$18,643.93 | MX$18,434.65 | Wise (+MX$209.28) |
| GBP → PKR(£500) | ₨184,808.99 | ₨185,078.61 | Revolut (+₨269.62) |
| USD → NGN($200) | ₦271,468.94 | — | N/A |
Key differences between Wise and Revolut
Wise vs Revolut: Feature comparison
| Feature | Wise | Revolut |
|---|---|---|
| Overall rating | 4.3/5 (Excellent) | 4.7/5 (Excellent) |
| Fee structure | Varies by currency, from 0.24% | £1,000/month, then 1% (Standard) |
| Exchange rate markup | Mid-market rate | Own rate; weekend fee |
| Transfer speed | Instant to 2 days | Instant to 3 days |
| Supported countries | 80+ | 150+ |
| Supported currencies | 50+ | 36+ |
| Max transfer | $1,000,000 | No limit |
| Delivery methods | Bank Deposit, Wise Account | Bank Deposit, Revolut Account |
| Regulators | FCA, FinCEN, ASIC | FCA, ECB, FinCEN |
What we measured: Wise vs Revolut
Wise led on 22 of 97 of the corridors we price against 2 of 38 for Revolut. Revolut's average shortfall when it isn't cheapest is 2.06%, against 2.98% for Wise.
A worked example: $1,000 to India
On $1,000 USD→INR the gap is ₹902, with Wise delivering more — 0.76% all-in for Wise against 1.71% for Revolut. This is a weekday snapshot: Revolut's weekend exchange fee on its Standard and Plus plans means the same conversion on a Saturday can cost more than shown here.
Wise and Revolut: bank deposit or safeguarded e-money?
When to choose Wise vs Revolut
Pick Wise when you can't choose the day you send
Wise publishes no weekend fee on its UK pricing page, and a transfer set up over the weekend gets Friday's last rate, so the price does not depend on the day. It offers account details to receive in 22 currencies and is regulated by the FCA, FinCEN and ASIC.
Pick Revolut for weekday conversions within your plan's allowance
On a weekday and within the monthly allowance (£1,000 on Standard, £3,000 on Plus), Revolut says it adds no extra exchange fee. International payments outside euros within SEPA carry a separate transfer fee shown in the app, and the weekend exchange fee applies on Standard and Plus.
What the Wise and Revolut figures don’t settle
Revolut's allowance and weekend exchange fee depend on your plan. Quotes are collected at a point in time, so a conversion on a different day or above the allowance can price differently from the snapshot here.
Verdict: Wise or Revolut?
Cost: Wise vs Revolut on measured quotes
Wise led 22 of 97 of the corridors we price against 2 of 38 for Revolut, with average shortfalls of 2.98% and 2.06%.
Speed: Similar delivery times
We don't time either provider's transfers. Both show their own delivery estimate before you confirm, and that estimate is the one to compare.
Wider coverage: Revolut
Wise offers account details to receive in 22 currencies; Revolut lists local details for UK customers in GBP, USD and PLN, with other currencies arriving through its SWIFT details.
Bottom line
Plan and timing are the real variables on this page. On Revolut's Standard and Plus plans, a weekend conversion or one above the monthly allowance adds a Revolut fee; Wise's UK pricing has no weekend fee, though a weekend transfer gets Friday's rate.
Wise vs Revolut: your questions
When does Revolut's weekend exchange fee apply?
Revolut says it may charge a fee on exchanges made from 17:00 Friday to 18:00 Sunday Eastern Time: 1% on its Standard plan, 0.5% on Plus, and nothing on Premium, Metal or Ultra. If the transfer can wait and you are on Standard or Plus, converting on a weekday avoids it.
What happens after I use Revolut's monthly exchange allowance?
Revolut's fee page sets the allowance at £1,000 a month on Standard, with a 1% fair usage fee on exchanges above it, and £3,000 on Plus, with 0.5% above it. International payments are charged separately: Revolut added fixed fees on 14 October 2026 and shows the fee in the app before you send.
Is Wise ever cheaper than Revolut on a weekday?
It can be. Wise charges a sending fee and uses the mid-market rate; Revolut sets its own rate and adds a transfer fee on international payments, so the leader varies by corridor and amount. The live table on this page compares the amount each delivers today.
Does the recipient need a Revolut account?
No. Revolut can pay out to bank accounts, and Revolut's fees for international payments are shown in the app before you send. A transfer to another Revolut user stays inside Revolut, so check the app for whether a fee applies to your route.