Wise is simpler and more predictable: mid-market rate + ~0.5-1% transparent fee, 40+ currencies, no subscription. Revolut's free tier gives mid-market rates up to a monthly limit (~£1,000) but adds up to 1% weekend markup and pushes paid plans. For travelers who want set-and-forget pricing, Wise wins. For users who'll work the free tier's limits, Revolut can cost less.
Head-to-head for travelers
| [Wise](/go/wise) | Revolut | |
|---|---|---|
| Exchange rate | Mid-market + ~0.5-1% fee, always | Mid-market on free plan up to monthly limit |
| Weekend markup | None | Up to ~1% Fri-Sun on free plan |
| Currencies | 40+ | 30+ |
| Monthly fee | None | Free tier; paid plans $4-55/mo |
| ATM withdrawals | Free to ~$100/mo, then ~2% | Free to ~£200/mo, then ~2% |
| Best for | Predictable, always-fair pricing | Free-tier optimizers, banking extras |
The weekend trap most reviews skip
Revolut's free plan applies a markup — up to ~1% — on currency exchanges made Friday through Sunday, when forex markets are closed. Travelers who convert their budget on a Saturday pay more than the 'free' marketing suggests. Wise charges the same transparent fee 7 days a week. This single difference flips the math for spontaneous travelers.
Who should pick which
- Pick [Wise](/go/wise) — you want the real rate every time without watching limits, calendars, or plan tiers; you send money home or get paid internationally (local account details in 9+ currencies); you hate subscriptions
- Pick Revolut — you stay under the monthly exchange limit, avoid weekend conversions, and want the extras (lounge access tiers, savings features, trading)
- Use both — many nomads do: Wise for transfers and big conversions, Revolut's free tier for daily spending under the limit
Spend abroad at the real exchange rate
Wise gives you the mid-market rate with a debit card accepted in 160+ countries — no hidden markup, and multi-currency balances for longer trips.
The setup that works for 95% of travelers
Open Wise before departure, convert your budget at the mid-market rate, and spend with the debit card in 160+ countries. Keep a no-FX-fee credit card for hotels and car rentals (they pre-authorize big amounts debit cards shouldn't absorb). Full strategy in our foreign currency guide.
Spend abroad at the real exchange rate
Wise gives you the mid-market rate with a debit card accepted in 160+ countries — no hidden markup, and multi-currency balances for longer trips.
Wise vs Revolut for Travel (2026): Which Card Saves More? — FAQ
Is Wise or Revolut cheaper for travel spending?
Does Wise have a referral bonus?
Can I use Wise or Revolut as my main travel card?
Which is better for getting paid internationally?
Related guides
Entry rules change without notice. Always verify with official government sources (travel.state.gov, embassy websites) before booking. Last reviewed November 2026. This page may contain partner links — see our affiliate disclosure.