Choose Revolut if...
- You travel often or use multiple currencies.
- You want more financial tools in one app.
- You may use paid plans for higher limits and perks.
- You want international transfers and global spending features.
Updated 27 June 2026 - Digital bank comparison
Revolut vs WiseWhich should you choose?
Revolut and Wise both appeal to people who spend, send or hold money internationally. Revolut is broader, with banking-style features and paid plans, while Wise is more focused on transparent currency conversion and international transfers.
Quick verdict
Pick Revolut if you want travel features, multi-currency tools, paid plan perks and a broader finance app.
Pick Wise if you want international transfers, multi-currency balances and clear currency conversion pricing.
Choose Wise if...
- You move money internationally.
- You want multi-currency balances.
- You travel or spend in different currencies.
- You understand safeguarding differs from FSCS bank protection.
Revolut vs Wise: side-by-side
| Category | Revolut | Wise | Edge |
|---|---|---|---|
| Best overall fit | Travel, multi-currency use and extra finance features | International transfers, currency conversion and travel money | Tie |
| Monthly fee | Free plan available, with several optional paid plans. | No monthly fee for the standard Wise account. | Wise |
| Budgeting tools | Good: Pockets, analytics and spending controls, but less budgeting-led than Monzo. | Basic: useful balances and spending visibility, but not a budgeting-led bank app. | Revolut |
| Spending abroad | Excellent for international spending and currency tools, subject to plan limits and terms. | Excellent for multi-currency spending, international transfers and holding foreign currencies. | Tie |
| Deposit protection | Eligible UK bank deposits may be FSCS protected where held with Revolut Bank UK. | Wise is not a standard FSCS-protected UK current account; customer funds are generally safeguarded. | Revolut |
| Support | 24/7 in-app support, with priority support on some paid plans. | Digital support through help centre and in-app channels. | Tie |
| Business banking | Business and freelancer accounts available. | Business account features available for freelancers and companies. | Tie |
| Extra products | Currency exchange, international transfers, investments, crypto, rewards and travel perks. | International transfers, multi-currency balances, debit card spending and business tools. | Revolut |
Protection note
Deposit protection can depend on the exact account and legal entity. Always check the provider's latest terms before applying. You can also read our FSCS protection guide and how we review banks.
Final verdict
Revolut is broader for travel and app features, while Wise is cleaner for international transfers and currency conversion.
The best choice depends on what you want the account to do. If one option fits your day-to-day habits better, that usually matters more than a single headline feature.
Continue researching
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