Dataset current to Oct 2026

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Head to head in Neobanks

Wise Account vs Revolut Standard

At £1,500 a month of card spending abroad, Wise Account costs £3.60 a month against £5 at Revolut Standard: £1.40 less. Below about £1,350 a month Revolut Standard is cheaper; above it 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. Of 8, 7 differ; those rows carry a rule and the rest are left quiet.

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

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.

Revolut

Revolut Standard

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%3.331.50
Currency coverage35%4.881.71
Account fee20%5.001.00
Total100%4.2

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

Free plan with interbank rates on the first £1,000 of exchange each month on weekdays, after which a 1% fee applies — strong for moderate spend, expensive past the allowance.

Who this suits

  • Spending under £1,000 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.

Cite this pageplain text or BibTeX

Plain text

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

BibTeX

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

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