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Revolut vs Wise

A side-by-side comparison of the two providers — exchange rate markups, transfer fees, delivery speed, transparency and supported corridors. Built on the same live data we use to rank every provider on every corridor page.

Revolut
Instant if recipient is also on Revolut.
$1,000 USD → INR delivers
₹82,636
Send via Revolut
vs
Wise
Mid-market rate, low transparent fee.
$1,000 USD → INR delivers
₹82,686
Send via Wise
Cheapest
Wise
0.45% markup · $4.20 fee
Fastest
Revolut
Instant
Most transparent
Wise
Shows mid-market rate
Feature comparison

Every detail. Side by side.

FeatureRevolutWise
Exchange-rate markup0.68%0.45%
Upfront transfer fee$2.50$4.20
Delivery speedInstant1 hour
Shows mid-market rate
Hidden FX markup
Mobile appsiOS + AndroidiOS + Android
Best forMulti-currency accounts, Instant Revolut-to-Revolut, Card spending abroadTransparency, Mid-market rate, Large transfers
On a $1,000 USD → INR transfer₹82,636₹82,686

The verdict: Wise for cost, Revolut for speed.

On the headline measure that matters most — how much your recipient actually receives — Wise comes out ahead in our reference $1,000 USD → INR comparison, by ₹50 (0.06%). On larger transfers the gap widens proportionally, so the right choice for someone sending $200 a month and someone sending $20,000 once a quarter can be different — always compare for your specific amount.

Revolut. Revolut is more than a transfer tool — it's a multi-currency account that lets users hold and exchange 30+ currencies at near-mid-market rates. Transfers between two Revolut accounts are instant and free. Sending to a non-Revolut bank account is competitive on weekdays but adds a 0.5–1% surcharge on weekends when interbank markets close. Read the full Revolut review →

Wise. Wise (formerly TransferWise) is the gold standard for transparency in international transfers. It uses the real mid-market exchange rate and charges a small, visible fee instead of marking up the rate. Best for senders who want to know exactly what's being charged and value low total cost over speed gimmicks. Read the full Wise review →

Frequently asked

Revolut vs Wise: your questions.

Revolut vs Wise: which is cheaper?
On a $1,000 USD → INR reference transfer at today's rates, Wise delivers more to the recipient — ₹82,686 versus ₹82,636. The gap can shift on different corridors and amounts, so always compare for your specific transfer.
Which is faster, Revolut or Wise?
Revolut delivers in "Instant" while the other typically takes longer. Speed varies by corridor and payout method — both providers are faster than a traditional bank wire on every corridor we cover.
Are Revolut and Wise both safe?
Yes. Both Revolut and Wise are licensed money services businesses regulated in the United States, the United Kingdom and the European Union. Customer funds are safeguarded under each jurisdiction's e-money or money-transmission rules.
Which has lower hidden fees, Revolut or Wise?
Wise applies a smaller exchange-rate markup (0.45% vs 0.68%). The other charges more on the FX rate but may have a lower or zero upfront fee — total cost depends on the transfer amount.

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