Neobanks · head to head
Wise Account vs Revolut Standard
Every figure this site holds on both products, side by side. Of 6 published figures, 5 differ. Those rows carry a rule; the rest agree and are left quiet.
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| Figure | Wise Account | Revolut Standard |
|---|---|---|
| FX cost on £1,500/mo | £3.60Calculated from attributes verified Sep 2026 | £5.00Calculated from attributes verified Sep 2026 |
| Conversion fee | 0.24%Verified against the source Sep 2026 | 1.00%Verified against the source Sep 2026 |
| Fee-free allowance | NoneVerified against the source Sep 2026 | £1,000/moVerified against the source Sep 2026 |
| Currencies held | 40Verified against the source Sep 2026 | 39Verified against the source Sep 2026 |
| Monthly feeidentical | FreeVerified against the source Sep 2026 | FreeVerified against the source Sep 2026 |
| Free ATM withdrawals | £250/mo, then 2.69%Verified against the source Sep 2026 | £200/mo or 5 withdrawals, then 2% (min £1)Verified against the source Sep 2026 |
Wise
Wise Account
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 3.80 | 1.71 |
| Currency coverage | 35% | 5.00 | 1.75 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 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
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 3.33 | 1.50 |
| Currency coverage | 35% | 4.88 | 1.71 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 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 Sep 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 Sep 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.