Dataset current to Oct 2026

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Head to head in Neobanks

Revolut Plus vs Wise Account

At £1,500 a month of card spending abroad, Wise Account costs £3.60 a month against £3.99 at Revolut Plus: £0.39 less. Below about £1,700 a month Wise Account is cheaper, from there to about £4,250 a month Revolut Plus is cheaper, and above about £4,250 a month Wise Account is cheaper.

Card spending in another currency, with each account's fee-free allowance, its fee beyond it, and its monthly plan fee. Every figure this site holds on both products is below, side by side. All 8 of them differ.

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Go to Revolut (opens revolut.com in a new tab)Go to Wise (opens wise.com in a new tab)

Revolut

Revolut Plus

Full record
How this score is calculatedRubric 2026.1. Each criterion scores 0–5 from verified attributes, then is weighted. Nothing here is entered by hand.
CriterionWeightScorePoints
FX cost on £1,500/mo spend45%5.002.25
Currency coverage35%4.881.71
Account fee20%3.000.60
Total100%4.6

Excellent tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.

£3.99 a month for a £3,000 monthly exchange allowance, three times the free plan's, then 0.5%, and half the free plan's weekend markup.

Who this suits

  • Spending under £3,000 a month abroad, which converts at no charge before the fee starts applying.

Who it doesn’t

No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.

Wise

Wise Account

Full record
How this score is calculatedRubric 2026.1. Each criterion scores 0–5 from verified attributes, then is weighted. Nothing here is entered by hand.
CriterionWeightScorePoints
FX cost on £1,500/mo spend45%3.801.71
Currency coverage35%5.001.75
Account fee20%5.001.00
Total100%4.5

Excellent tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.

Holds the widest set of currencies of any account here and charges a conversion fee from the first pound rather than capping a fee-free allowance — which makes it cheapest at high spend and beatable at low spend.

Who this suits

  • Holding balances in several currencies at once — 40 of them, the widest coverage here.

Who it doesn’t

  • Occasional low-value spending. The 0.24% conversion fee applies from the first pound, with no fee-free allowance to sit under.

Cite this pageplain text or BibTeX

Plain text

Points Architect. "Revolut Plus vs Wise Account: verified comparison." Rubric 2026.1. Verified Sep 2026. https://pointsarchitect.com/compare/revolut-plus-vs-wise

BibTeX

@misc{pointsarchitect-compare-revolut-plus-vs-wise,
  title        = {Revolut Plus vs Wise Account: verified comparison},
  author       = {{Points Architect}},
  year         = {2026},
  howpublished = {\url{https://pointsarchitect.com/compare/revolut-plus-vs-wise}},
  note         = {Verified Sep 2026; rubric 2026.1}
}

Canonical URL https://pointsarchitect.com/compare/revolut-plus-vs-wise. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.