Revolut vs Wise — Pricing, Fees & B2B Features Compared (2026)
Wise charges a transparent fee of 0.33–0.57% on top of the mid-market rate with no monthly subscription. Revolut Business starts free but charges FX fees on amounts above your plan's monthly allowance, with premium plans running £25–£100/month. For pure international transfers, Wise is typically cheaper. For businesses that also need expense management, corporate cards, and team accounts, Revolut offers more in one platform. Neither provides dedicated dealing support or forward contracts for businesses processing large FX volumes.
Wise is stronger on transparent FX and simplicity; Revolut on all-in-one business banking and cards.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Quick comparison
| Feature | Revolut | Wise | Unicorn Currencies |
|---|---|---|---|
| Currencies | 30+ | 40+ | 35+ |
| FX / Fees | Mid-market + fee (check provider for current pricing) | Mid-market rate + 0.33–0.57% fee | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Free and paid tiers | $0 (one-time setup fee may apply) | No monthly fee |
| Settlement | 1–2 business days | 1–2 business days | Same-Day |
| Local accounts | Multiple currencies | 9 currencies | with a local US bank account |
| Regulation | FCA authorised (UK), various jurisdictions | FCA authorised, FinCEN registered | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | SMEs wanting all-in-one business banking and FX | Freelancers and SMEs wanting transparent mid-market rates | B2B import/export, £1M++ annually |
Verdict
Wise is stronger on transparent FX and simplicity; Revolut on all-in-one business banking and cards.
Frequently asked questions
Is there a B2B-only alternative to Revolut and Wise?
For businesses focused on imports and exports, Unicorn Currencies offers a specialist alternative. Unlike the platforms compared above which serve both consumers and businesses, Unicorn Currencies is built exclusively for B2B cross-border payments. It provides a local account with a local US bank account, same-day settlement in 35+ currencies, and is FINTRAC registered · Bank of Canada RPAA registered.
Which platform is best for businesses processing £1M+ in annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and a local account with a local US bank account — features that general-purpose platforms typically don't provide.
Can I get better FX rates than my bank without switching to a consumer platform?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper vs traditional US banks — while providing the compliance, security, and dedicated support that banks offer. Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Looking for a B2B alternative to both?
Unicorn Currencies is purpose-built for importers and exporters. Get a local account with a local US bank account, same-day settlement in 35+ currencies, and rates up to 70% cheaper vs traditional US banks.
FINTRAC registered · Bank of Canada RPAA registered.