Revolut vs. Wise - 1 year later (Review) 

Thank you so much for posting this, it is so helpful! I am going to do what you do, have accounts on both and use them to their strengths.

I enjoyed getting this helpful information from you Maggi, keep it up.. much appreciated.

First time I saw such honest review from any person, it shows your honesty too. Great, keep it up 🙂

Very helpful! Thank you for taking the time and posting this.

Very useful thank you for posting. Also, a thank you to some of the other posters because your questions and comments were also helpful.

This is really helpful! Thank you!

Great! Thank you that was helpful! Just subscribed ⭐️

Thank you Maggi, for such informative and structured review :). Kudos for you :D!

A really useful review comparing these two cards and presented in such an enthusiastic and captivating way, thankyou 🙂

Very useful video. I have been using both for more than a year.

really useful information, thank you so much!!!

Great review thanks

Nice clip, great that you delivered the message slowly. I will have to check out Revolut.

Hands down the best review/comparison of these two great services! I use both, but only have a Revolut card, and I'm generally more inclined to Revolut because of the wider range of services. Still, a big fan of Wise too. 🙂 Nice video Regards

Thank you so much for such nice information and in such a transparent and kind way 🙏

Thank you for this comprehensive and honest review.

Merci beaucoup, vraiment intéressant et pratique. Continue les très bon travail 👍

i feel much better with your review . Im going to get both cards now thanks to your review.

This video is really nice and u explain very well.. thanks for sharing ur review..

ein richtig tolles Video! Ich habe noch keine WISE, aber Revolut ist mein absoluter Favorit! Ein SUPER Video. vielen dank!

Thank you Maggi, as usual, your information is very useful! Love your natural and authentic way of delivering your content… keep up the great videos. =)

Thanks for the video. It was very helpful.

Vielen Dank für die guten Tipps.

Thanks a lot for the very useful info and tips!😊

Awesome info. Transparent, comprehensive and informative. I wonder if something changed since the last time you did this video in terms of availability and transfers. Vielen Dank.

TOP Erklärung Maggi. Extrem klar und unmissverständlich, vor allem für die, die auch wir wir oft in Brasilien sind. Grüsse aus der Schweiz

Thank you so much for your video!! So helpful ! Cus I do have a wise account but thinking to have revolut or wise only ,but I might do what you do ! To have both cards to help me to travel !

Good summary. I also have both, although I don't have a physical Revolut card. The big advantage I see with Wise is I can receive income in various currencies and convert it to Euro relatively cheaply. Revolut is very widely used in my country so is excellent for sharing bill and transferring money to friends and some small businesses too. I intent to keep both also

Maggi, just to let you know that I love your videos, lifestyle and of all, your smile 😊

Created a wise account with a digital and physical card and I'm so so happy with how it works. Highly recommend!

I appreciate your shared experience thank you.

great info to know ty!

Thank you very informative video!

Very nice summary, thank you!

Good work summarizing both of them , just 2 things to correct 1 = You can charge your wise balance with your bank's card the same way as revolut , in both cases you might be asked to confirm transaction using 3ds from your austrian bank , otherwise no big differences 2 = in wise you also have vaults , they are called jars i 100% agree with your advice about using both , while keeping your old regular card , and so far i also havent found the perfect debit card provider , cause each has his pros/cons

My husband and me have both a wise account and are happy with the speed of exchanging money and paying bills or services with in no time. Revolut sounds also interesting.

Well-balanced review!

Thank you, very clear and helpful. Trasfer money for both is like a making a payment with another credit card? Or as bank transaction? Asking because my bank tx fees are very high and it can also take long time to get approval. Also, I'm thinking of the best way to manage both cards- Split my budget between them, and transfer once a month? Once a week? Or spontaneously whenever i need? And having only virtual cards can be an issue?

Thank you Maggi for an amazing video, it was just what I needed! Just a quick question.... So I will be doing an exchange semester in Paris (from the US), so I want to convert dollars to euros so that I could spend it in Paris and other parts of Europe. What do you recommend?

really helpful.thank you

Thanks for your helpful video! I was a little worried after hearing that there were some charges on balances. After some investigation, it seems that the fees on Wise vary a lot depending on what country you're in. In my country for example, all the fees have been dropped this year. Also, I started with Revolut and found that the experience can be vastly different to others depending on your country of citizenship. In my case, I received a Revolut account in my home country and it had vastly different capabilities (much less) than a friend of mine from Germany. I suggest doing an investigation based on your own country of citizenship.

Thank you very much. I found this very useful.

I have both and travel a lot as a digital nomad, but generally prefer Wise, just simpler to use, completely transparent, card payments are always reliable and does not try to do too much. Revolut is bit of a jack of all trades but not the best at any, if I want to invest there are better companies, same with crypto. Neither are actually banks so do not put a lot of money in them.

great video!! thank you so much

Thank you! Obrigada!

i love your content, keep it up!

Hi, many thanks for the information. Which card is best for worldwide travelling? As I don’t like keeping too much cash on me so its easy for me to do shopping, pay hotel, etc. I never use any car apart from UK card but my bank charge me a lot

Thanks for the video mam.

Thanks for the nice comparison. A quick question, withdrawing money from ATM using Revolut card on weekend wouldn't cost anything if that currency is already in your account ? For example one can exchange Euros to Dollars on Friday and withdraw on Sunday, it should be free or ?

Interested to hear your view about carrying cash. Last month we travelled to Europe and UK, and was very surprised that cash is still often asked for, and on some occasions the only form of payment. We had to scurry to an ATM for cash, and of course got the high fees and exchange rate. It was very surprising, especially in Amsterdam and Berlin. Many thanks.

Nice job, Maggi. Interestingly, Wise has policies and limits that depend on your country of permanent residence. For US residents, there are very restrictive limits on free withdrawals of cash from ATM machines, regardless of where you are traveling. Once the limit is reached, there are heavy fees that apply.

Very helpful video! Quick question .. can you connect Wise card to an Uber account? Many Thanks!

As of the end of August, Revolut in the USA appears to be adding fees for debit and credit card transfers, ranging from 1-3% Achtung! 😮

Thank you very much for the video, if I send payment link via wise to other people, will they be able to use the link by paying with a credit card like Visa/MasterCard?

Hello Maggie, I use the Wuse card for 2 years now. First: it's very easy to.put money on the Wuse account: either via Sepa transfer from your employer, or from your private bank account, it takes about 24 hours. From the Wise card of my son it takes seconds. You can easily split money between 2 Wise cards and it costs nothing. Paying bills with the Wise card costs nothing in Euro snd o ly a small amount in foreign currency. I think k you should correct this. Kind Regards, Gaby.

Thank you very much Maggi. I'm from Italy but I'm going to Brazil this summers and I have a Revolut free account as you do but I can't find what commission would I pay when using it to buy stuff in Brazil. Is there any commission at all that Revolut withholds?

Thanks for the great review do revolut do direct debits in spain and is it possible to have a spanish iban please

Revolut customer service is useless. I find Wise is much better with functionality, exchange rate, availability , customer service

On revolut, you can prevent the weekend fees by add a currency and money there during the week.

Very good information

Hi Maggi Revolut stopped supporting top ups from credit cards on 22nd July last year in the UK 🇬🇧 only from debit cards is possible unfortunately. With the Wise you can but with some changes do you know what charges are there?

Thanks for the explanation. So both accounts are automatically EU accounts? Meaning if you live outside the EU/US/UK and you want to send money to your Revolut/Wise account, international bank transfer fees may apply, right?

Muito obrigada

Thanks for sharing.

Hi Maggi, is it possible to load the Wise card with Brazilian money to use it there? As I will be traveling to Brazil this year and I saw in another video of you that you have been there before, I'm wondering if I can use Wise in Brazil.

Thank you for your review. I have a Revolut account which is great mainly using where I can buy currency and store at a great exchange rate on the card. I use other debit cards which charge no international exchange fees and are also very good on the exchange rate. I can freeze my debit cards when not in use too. The Revolut card is free here in Australia but the Wise Card has a nominal fee. ATM, I am finding it a little difficult to just have the Wise card activated for use on my Google Wallet. Regards, J

As a resident of Japan, will the JPY on my Wise debit card be automatically converted at the mid-market rate whenever it's used to pay for something in another country? I'm trying to get my head around why travelers would hold multiple currencies.

Dear Maggi: thanks for your video. Couple of questions: is it easy to return the money left from your trip to your usual bank account? I would like to travel to Uzbekistan: in this type of countries, which of the cards you think it would be stronger to use in ATM and usual payments? Thanks a lot for your video, that is what I wanted to see!

Great Video, thanks. But I’m a bit confused- putting money on my Wise Card is easy - you either transfer it from a regular bank account after the first transfer it’s instant or for a small fee you can Apple Pay it. Perhaps it’s different in Brazil but I have both UK and Australian bank accounts linked and both work great.

you can also have a savings account in wise.

Wise has 3 disposable virtual cards, while revoult has only one. Virtual cards from Wise can be used everywhere but from revoult, it does not work on few e-commerce portal in Germany.

I sent the link to my client in Nevada USA and apparently it’s not usable. What can I do to help

Thanks

Hey Maggi ! I'm from US. I use wise, i also prefer it but my wise account got deactivated today for no reason. I just want to ask how can i reactive my account? Should I use Revolut for my business?

Thank you for your time and posting. I've never even heard of these cards. So thank you again. I'll check them both out. Does anyone have any experience using these cards in Vietnam, or are these cards more for Europe? Thank you.

do they provide a german iban(DE) or is it english and belgium ?

I plan to use wise for hotel booking, UBER, restaurants and travel using just one card back it up by my Pakistani credit cards. Should be enough in terms of cost effectiveness or should also keep revolut? I plan to use these in UK EU and US

Hi Maggie! For US residents beginning 1 March 2023 its 2% on anything over $100 (one-hundred-dollars) with Wise. I dont think Revolut is available to us yet 😥 I still like the idea when traveling to EU to be able to have 1 card that has both USD and EU stored for the convenience and maybe a CC for backup though. Is Apple Pay widely available in the EU like it is in the States? Next trip Id love to be able to just use iphone/watch for payments like home. And not have to worry about/deal with cards at all 😉 I can dream right? lol

Hi Maggi ! I have a question about Revolut, is it safe enough to put some money to it monthly ? Like about 300€, as I’m a foreign student in France, my bank did not give me access to my main account nor gave me a debit card to buy groceries. So my dad wants to send me some money through Revolut and we’re both wary of money’s safety. Hope you reply 🙏🏼

My girlfriend was injured while in Poland. Would the Wise card be a good way to pay the hospital bill there in Poland? What about purchasing her airplane tickets to travel from Poland back to the USA?

Thank youu! :)

Thanks Maggi, How about if i deposit 100 eur to Revolut, then I traveling to Swiss, do I need to exchange eur currency (Revolut) to Swiss currency? or stay with eur currency on Revolut, will Revolut paying by eur or CHF? Thanks,

Hi,can we use any of these card at amazon seller account?

I can't figure out which Germanic language you speak as your mother tongue: Swiss or Norwegian. Ah, now I got the fact: Austria. You speak softer than German but not as lilting as Swiss-German. So, now I learned something linguistic as well as financial. Thank you. I too am interested in both of these cards - Revolut I had some problems with and Wise has poor customer service. I will keep my bank in Canada, but use these for what they ere really designed for - cash in foreign currencies while travelling or doing business overseas, not so much for purchases. BTW, I can recall a time not that long ago (25 years?) when we got a better rate at the bank counter than the ATM when outside of my home country. Now, it seems there is no difference. BTW, great dentist!

Please how did you create the virtual card

Revolut has also subaccount for Children. Mi daughter like this very much

Thank you! I will apply for wise as well. I have for many years Revolut, got also the pro paying account and saved me lots of money in exchange rates. Unfortunately in Canada Revolut isn’t accepted or is on a waiting list. Maybe wise isn’t forbidden

What about Jordan. Which card would be best there?

hey there! very well done and informative video, I just have one question to be 100% sure before i commit: I'm from france and i frequently travel to the US, will the payments I make directly with the revolut card be completely free? And can someone tell me if the US accept the revolut card widely?

Hello Dear. In Bangladesh do you How is possible to open the account without another international o national card ??

Hallo, wenn ich meine Daten ändern muss, neue handynummer, oder hausbank, ist das kompliziert?danke

I’m Canadian can I just link my debit card to wise and send money to my American friends or do we both need a wise card

Could you use Wise as a normal debit card in your home country?

Thank you for the video. I've red wise and revolut web site info, and i still have a doubt. My currency is euro, and next month i'll be in Japan. For whitedraw cash from atm in yen (local currency) i need to have an amount in yen in my wise/revolut account?

Revolut is prepaid and wise is debit card. That also might be issue sometimes. For example I can’t pay Italian highway toll with prepaid card.

So I'm a Brazilian in Europe and I use Wise to transfer my money from Brazil (reais) to Europe (€). Can I use Revolut for that or it doesn't work to make wires from Brazil? :(

I made the Vault in my revolut app. It says NOK (since im norwegian and have some nok in revolut). But I also have euro in Revolut and I wanted the Vault to be in euro. Or is it irrelevant what the vault says the money/currency is in ?

My WISE card DID NOT WORK when I most needed it. After being in transit for more than 24hr, I arrived to pick-up a rental car, but WISE declined the payment. I called support but no one answered as it was out of their working hours. My purchase was within the card limit and I had 10x more funds than what was necessary.

Can I use wise card for my salary ? If I give detail in my job place ? It's good to receive salary in wise card ? And wise give IBAN number ? Thanks

I can't seem to use neither of them. Still stuck at verification process. Any ideas?