Revolut

Summary
Revolut is an all-in-one finance app that allows users to send and receive money globally, manage multiple currencies, and spend with physical and virtual debit cards. It also offers investment opportunities in stocks and commodities, high-yield savings accounts, and various security features to protect user funds.
Rationale
Revolut's website explicitly mentions multi-currency accounts, international money transfers to 160+ countries, and spending in 150+ currencies. These features align strongly with the 'must-have' features of Wise, including mid-market exchange rate transfers, transparent low fees, multi-currency accounts, borderless debit card, and fast transfer execution. Additionally, Revolut offers business accounts, API integration, mobile app, regulatory compliance, multi-user access and customer support, which are listed as 'other' features of Wise.
Pricing
Freemium
Standard
£0.00/ monthly
  • Financial basics
  • Money management
  • Sending money abroad
  • Budgeting
  • 1 commission-free stock trade per month
  • 3.51% AER (variable) on savings
  • £200 fee-free ATM withdrawals per rolling month (2% fee after limit)
  • 1 Revolut <18 account
  • 0.6% cashback on Revolut Pro card payments
  • 1 point per £10 spent on RevPoints
Plus
£3.99/ monthly
  • All Standard features
  • Personalised Plus card
  • Priority customer support
  • Purchase protection up to £1,000 for a year
  • 90-day extended refund window
  • Ticket cancellation cover up to £1,000
  • Spend up to £3,000 a month in 35+ currencies without additional fees (Mon-Fri)
  • Up to 2 Revolut <18 accounts
  • 0.6% cashback on Revolut Pro card payments
  • 3.51% AER (variable) on savings
  • £200 fee-free ATM withdrawals per rolling month (2% fee after limit)
  • 1 point per £10 spent on RevPoints
Premium
£7.99/ monthly
  • All Plus features
  • Exclusive subscriptions
  • Better savings rates
  • Unlimited exchange amounts
  • 3.75% AER (variable) on savings
Metal
£14.99/ monthly
  • All Premium features
  • Travel insurance (emergency medical, flight delay, lost luggage, car hire excess, accidental damage cover, winter sports)
  • £800 fee-free ATM withdrawals per rolling month (2% fee after limit)
  • Unlimited exchange amounts in 35+ currencies (no fees)
  • 40% off international transfer fees
  • Subscriptions worth £2,100 annually (Financial Times, WeWork, Uber One, MasterClass, NordVPN Plus, Headspace, Sleep Cycle Premium, Freeletics, Picsart Gold, The Athletic, ClassPass, Perplexity Pro, Tinder Gold, Chess.com)
  • Exclusive reinforced steel card
  • 4% AER (variable) on savings
  • 1 RevPoint for £2 spent
  • 10 commission-free stock trades each month
  • Low fees from 0.49% on commodities (gold, silver, platinum, palladium)
  • Discounted access to 1,000+ airport lounges worldwide
  • Up to 5 full-access Revolut <18 accounts
  • 0.8% cashback on Revolut Pro card payments
Most Expensive
Ultra
£45.00/ monthly
  • All Metal features
  • Unlimited airport lounge access
  • Monthly global data
  • Partner subscriptions
  • Cancellation cover
  • 4.5% AER (variable) on savings
  • 0.12% of order amount for stock trades outside monthly allowance
Features
Must Have

Mid-Market Exchange Rate Transfers

Transparent Low Fees

Multi-Currency Account

Borderless Debit Card

Fast Transfer Execution

Other

Batch Payments

API Integration

Business Account Features

Mobile App

Regulatory Compliance

Multi-User Access

Customer Support