Revolut vs Wise.
Revolut (R91/100) and Wise (W68/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Wise 7-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | W Wise №36 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | E-money inst. FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 160 countries |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
Pick Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Revolut won 1 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Tied
- Best for ux Revolut won 2 of 2
Revolut vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Wise?
Under our v3 methodology, Revolut leads Wise 7–1 across 12 dimensions. Composite scores: Revolut 91/100 vs Wise 68/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or Wise cheaper?
Monthly fee — Revolut: €0; Wise: €0. Card FX markup — Revolut: Interbank; Wise: Interbank. Revolut wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Revolut or Wise?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Revolut is the stronger pick on regulatory protection.
Where can I use Revolut and Wise?
Revolut operates in 48 countries; Wise operates in 160 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.