All currency cardsCurrency card · head to head
Wise vs Revolut
Wise wins for transfers and pure FX cost. Revolut wins for daily card spending and in-app perks.
| Wise | Revolut | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $9 | $0 |
| FX model | interbank | weekend markup |
| FX markup | — | 50 bps |
| Free ATM / month | 2 | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | 180+ countries | EU, UK, US, AU, JP, SG, NZ + selected |
Wise — best for
- International transfers — interbank rate, transparent fee
- Holding 50+ currencies in one account
- Receiving USD/EUR/GBP/AUD payouts on local details
Weak for
- Day-to-day spending in a single home currency
- ATM withdrawals over 2/month free
Revolut — best for
- Daily spending on the card during the week
- Stock and crypto trading inside the app
- Splitting bills and group expenses
Weak for
- Weekend FX (1% surcharge applies)
- Large transfers (use Wise instead)
Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.