Revolut vs Wise is a choice between a subscription money app and a pay-per-use transfer service. For US customers as of October 2026, Revolut offers plans from $0 to $16.99 a month with monthly currency exchange allowances, while Wise charges no subscription and prices conversions from 0.23% per transaction.
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Both apps let a US resident hold several currencies, spend abroad with a card and send money internationally. They differ in how they charge. Revolut bundles exchange allowances, ATM limits and savings rates into tiered plans. Wise shows a separate fee on every transfer and conversion, using the mid-market rate. This page compares the US versions of each service, using pricing pages fetched on October 5, 2026. Fees outside the US differ and are not covered here.
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Revolut is a financial app with tiered paid plans covering spending, savings, exchange and travel perks. Wise is a money transfer and multi-currency account service that charges per use with no plans. Revolut suits people who want one app for daily money; Wise suits people who mainly send or convert money across borders.
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Revolut's US site lists three plans (Standard, Premium and Metal) with different exchange limits, ATM allowances and savings yields, per the Revolut US plans page. The same page states that Revolut is not a bank and that US savings accounts are provided by Cross River Bank, Member FDIC.
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Wise describes its model as paying only for what you use, with no subscriptions or plans, on the Wise US pricing page. Ownership and corporate structure for each company are covered in the Revolut ownership guide and the Wise ownership guide.
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For small, occasional conversions during weekday market hours, Revolut's free plan can cost nothing in exchange fees up to its monthly allowance. For larger or frequent conversions, Wise's per-transaction fee is predictable and has no monthly cap. Weekend exchanges on Revolut's free plan carry an extra markup.
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Revolut's Standard plan includes $1,000 a month of currency exchange, Premium includes $10,000, and Metal is listed as unlimited, per the Revolut US plans page. Above the Standard allowance, a fair usage fee of 0.5% applies to the extra amount, according to Revolut's Standard plan fee schedule. Exchanges outside foreign exchange market hours (Friday 5:00pm to Sunday 6:00pm Eastern) cost 1% extra on Standard and nothing extra on Premium or Metal, per the Revolut US plans page.
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Wise lists conversion fees that vary by currency, starting from 0.23%, and states it uses the mid-market rate, per the Wise US pricing page. Wise does not mark up weekend conversions in its published fee list.
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Both services convert your money and pay it out locally where they can, which avoids some correspondent bank fees. Wise shows the full fee before you confirm each transfer. Revolut applies its plan's exchange rules, then adds a transfer fee that depends on whether the transfer is local currency or foreign currency.
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On Revolut's Standard plan, local currency international transfers cost 0.15% with a $0.75 minimum, and foreign currency transfers cost up to $6.00, per Revolut's Standard plan fee schedule. Premium and Metal members get 20% and 40% discounts on transfer fees charged by Revolut, which apply to SWIFT OUR transactions, according to the Revolut US plans page.
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Wise offers account details to receive money in 22 currencies and makes domestic incoming payments in currencies such as AUD, CAD, EUR, GBP and USD free, per the Wise US pricing page. Sending the same currency to another Wise user is free, according to the same Wise page. Wires that arrive over the Swift network carry fixed receiving fees; the SWIFT code explainer covers how those bank identifiers work.
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Revolut's paid plans add travel insurance, discounted lounge access and larger fee-free ATM allowances, which favors frequent travelers who would use those perks. Wise has no plans, so travelers pay small per-use fees for conversions and ATM withdrawals above a monthly free amount. Light travelers often pay less on Wise.
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Revolut's Metal plan includes travel medical insurance and delayed flight and lost luggage cover, subject to insurance terms, per the Revolut US plans page. Wise lets cardholders spend money already held in the same currency for free, per the Wise US pricing page, so travelers who convert in advance avoid conversion at the till.
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A simple way to decide:

Revolut's free plan carries limits that catch heavier users, especially the weekend markup and the monthly exchange cap. Paid plans also come with cancellation terms. Wise has no plan perks, charges for its card, and its per-transaction fees add up for people who convert small amounts often.

It depends on amount and timing. Revolut Standard charges 0.15% (min $0.75) for local currency transfers (Revolut), plus exchange rules by plan. Wise charges from 0.23% depending on currency (Wise). Compare the in-app quote for your exact corridor.
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No. Wise states it has no subscriptions or plans on its US pricing page.
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Standard is $0, Premium is $9.99 and Metal is $16.99 per month, per the Revolut US plans page.
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Revolut's US site states that Revolut is not a bank and that savings account services are provided by Cross River Bank, Member FDIC, per the Revolut US plans page.
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Yes. Some people keep Revolut for daily spending and Wise for larger international transfers, since the two price those activities differently.
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All figures are US personal account prices read directly from each company's US pages on October 5, 2026. Business accounts and non-US pricing are excluded. Both companies update fees regularly, so confirm the in-app quote before sending.