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Wise vs Revolut for International Transfers: Full Cost Comparison 2026
Executive Summary
Wise charges a transparent fee of 0.35% to 1.5% on transfers at the real mid-market rate. Revolut offers fee-free currency exchange up to a monthly allowance on paid plans, with a 0.5% to 1% fair usage fee above that limit and 1% weekend surcharges. For infrequent transfers within Revolut's allowance, Revolut may be cheaper. For higher volumes or weekend transfers, Wise is often lower total cost. Neither is always the cheapest across all corridors. PayinGlobal compares both alongside 100+ live providers free with no signup.
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In-Depth Market Analysis
How Wise and Revolut Charge for International Transfers
Wise charges a transparent fee on every international transfer, calculated as a percentage of the transfer amount plus a small fixed fee, using the real mid-market rate for conversion. All costs are disclosed before you confirm. The total fee ranges from approximately 0.35% on major corridors to 1.5% on less liquid currency pairs.
Revolut's pricing depends on the account tier. Free accounts get a limited monthly currency exchange allowance at the interbank rate, with a 0.5% fee above that and a 1% surcharge on weekends. Paid plans increase the fair-usage limit and reduce or eliminate some fees. Revolut also applies a 1% markup on currency exchange during weekends across all account tiers to manage their overnight hedging exposure.
Wise vs Revolut: When Each Is Cheaper
Revolut is cheaper than Wise for infrequent, relatively small transfers made on weekdays within the monthly allowance on a paid plan. If your monthly international transfer volume fits within Revolut's plan allowance and you transfer only on weekdays, Revolut's effective cost can be lower than Wise's fee structure on major corridors.
Wise is cheaper than Revolut when transfer volumes exceed Revolut's plan allowance, when transfers are made on weekends — Revolut's 1% weekend markup reverses any advantage — or when using a Revolut free account where the fair-usage limit is low. Wise has no weekend surcharge and no monthly volume caps.
Wise vs Revolut: Cost Comparison at Common Transfer Amounts
The table below shows estimated all-in costs for a $2,000 international transfer under different conditions.
Wise (any day)
FX RateMid-market
Fee~$12 to $25
Total Cost$12 to $25
Revolut Free (within allowance, weekday)
FX RateMid-market
Fee$0
Total Cost$0
Revolut Free (over allowance or weekend)
FX RateMid-market + 0.5% to 1%
Total Cost$10 to $20
Revolut Premium (within allowance, weekday)
FX Rate: Mid-market
Fee$0
Total CostPlan cost only
Cheapest specialist via PayinGlobal
FX Rate: ~Mid-market
Fee$3 to $15
Total Cost$3 to $15
The comparison is most useful when evaluated against your actual transfer frequency and monthly volume, since Revolut's cost advantage depends on remaining within plan limits.
Key Differences Beyond Transfer Cost
Wise is a dedicated international transfer and multi-currency account platform. Its strength is in transparent, cost-efficient cross-border payments with a direct IBAN for receiving funds in multiple currencies. Revolut is a broader financial super-app with banking features, investment products, and budgeting tools, with international transfers as one component of a wider product. For users who want a single financial app with multiple services, Revolut's breadth may justify the subscription cost. For users primarily optimising international transfer cost, Wise's specialisation tends to produce more consistently competitive rates.
How PayinGlobal Helps You Choose Between Wise, Revolut, and Alternatives
PayinGlobal compares Wise, Revolut, and 100+ other international transfer providers live for your specific corridor and transfer amount. For any transfer, the comparison shows the exact all-in cost for each provider at the current market rate, allowing you to see whether Wise, Revolut, or a third provider delivers the most to your recipient before you commit to any platform. Free, no account required, results in under 60 seconds.
Wise is transparent about its costs on every transfer. Revolut's cost depends on your plan, the day of the week, and your monthly transfer volume. The cheaper option between them changes depending on how you use each platform.
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Disclosure
PayinGlobal is an independent FX comparison platform and does not provide money transfer services, hold user funds, or constitute financial advice. All rates and cost figures shown are illustrative estimates based on typical provider markup ranges and are subject to change without notice. Always verify costs with the provider before initiating any transfer.
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