Revolut can be one of the lowest-cost options inside a plan's weekday allowance. Above an allowance, or outside market hours, the price may change according to the country and plan. That regional variability is a common reason to compare alternatives before exchanging.
The honest way to choose a replacement is to compare the all-in cost, the fee plus the exchange-rate markup, at your exact amount. The tables use the current mid-market reference; Wise may use an account-holder API estimate, while other providers use stored published fee and markup models rather than live quotes.
- Best all-rounder: Wise, which has no monthly limit and no weekend surcharge, so the cost is the same every time.
- Lowest commission model for large investment-linked conversions: Interactive Brokers, subject to execution, account, and withdrawal limitations.
- Best for business and multi-currency: Airwallex, built for companies paying in several currencies.
- Best for cash pickup: Remitly, which pays out in cash to family, something Revolut does not do.
- Best low-markup broker: OFX, for bigger transfers without a trading account.
The modelled ranking
Here is the full field on a $1,000 dollar-to-euro transfer, ranked by what the recipient actually receives. On a weekday inside the limit, Revolut sits at the top. The question is what happens when the conditions change.
Best all-rounder: Wise
The cleanest answer to Revolut's moving parts is a provider with none of them. Wise gives you the mid-market rate and adds a small, visible fee (around 0.33–0.5% on popular routes), with no monthly limit and no weekend surcharge. The number at checkout is the number you pay, on a Sunday as much as a Tuesday.
Wise charges from the first dollar, so on a tiny weekday transfer inside Revolut's limit, Revolut is still cheaper. But the moment you cross the limit or hit the weekend, Wise's flat, predictable cost usually wins. Read the full Wise vs Revolut breakdown.
Lowest commission model for a large investment-linked exchange: Interactive Brokers
In the site's representative fallback model, Revolut's overage fee scales above the stored allowance. Interactive Brokers instead charges a 0.20-basis-point Tier I commission with a USD 2 equivalent minimum, which can produce a lower commission estimate as the conversion grows.
On a $10,000 exchange tied to investing, trading or hedging inside the brokerage, the IBKR commission row is below the modelled Revolut rows. That does not include the buying-versus-selling price difference, slippage, withdrawal costs or intermediary deductions; a USD 10,000 order is also below IBKR's standard USD size and is an odd lot. See Wise vs Interactive Brokers.
Best for business and multi-currency: Airwallex
Revolut Business exists, but if you are paying suppliers or staff in several currencies, a dedicated platform is usually the better tool. Airwallex offers multi-currency accounts and converts at the interbank rate plus about 0.5% on major currencies, with cheap local payouts.
It is built for companies, so the features (holding balances, paying in bulk, local account details) are aimed at business rather than a single family transfer. For that job it beats a personal banking app on both cost and convenience.
Best for cash pickup: Remitly
Revolut pays into bank accounts and wallets. If your recipient needs cash in hand, it simply cannot do the job. Remitly pays out at local agents on many routes to family, often within minutes on its Express option.
Remitly costs more than Revolut on a bank deposit, because it adds a fee and a markup of about 1.9% from the first dollar. You are paying for reach and speed. For a cash send to family, that is often worth it. See Revolut vs Remitly.
Best low-markup broker: OFX
If you want a broker's low markup without opening a trading account, OFX is the middle path. It charges no fee on larger transfers and makes its money on a modest markup of about 0.75%, with none of Revolut's limit or weekend mechanics.
OFX is aimed at bigger transfers and can be cheaper than Revolut on a large sum, though it does not match a banking app for a small, quick send.
The pattern at a glance
At $10,000 the bars show the field: the brokers and Wise sit low, the transfer providers higher, and a typical bank (off this chart) would sit past 3%. The next chart breaks that same transfer into the visible fee and the hidden rate cost.
The savings in context
Across the displayed estimates, choosing Interactive Brokers over MoneyGram leaves an extra €326.11 (3.93%) in the recipient's account.
Same 10,000 USD and the same market rate before fees. Provider availability, how you pay and the final price can change the result.
How to choose
If you send small amounts on weekdays and stay under the limit, you may not need to leave Revolut at all. It is one of the cheapest options we track on those terms.
If you send at odd hours or over the limit, switch to Wise. Its flat, visible fee has no weekend surcharge and no monthly ceiling, so the cost stops depending on the calendar.
If a large conversion supports investing, trading or hedging inside a brokerage, check Interactive Brokers first when the pair is supported. Its spot-currency commission can be exceptionally low. OFX provides the direct workflow when somebody else must be paid.
If you need cash pickup or a business multi-currency account, use Remitly or Airwallex respectively. A personal banking app is the wrong tool for either job.
Whatever you pick, compare the all-in cost, not the advertised rate. A bank would take 3% or more on the same transfer, so any of the above is the cheaper habit. Our markup versus fee guide shows how to see the cost that hides in the rate.
Frequently asked questions
What is the best alternative to Revolut?
For most people, Wise. It has no monthly limit and no weekend surcharge, so the cost is the same every time, which removes the two surprises that drive people away from Revolut. Interactive Brokers can be cheaper when a large supported exchange funds a trade, investment or currency hedge in the account. For cash pickup, use Remitly.
Is Wise better than Revolut?
It depends on when and how much you send. Inside Revolut's monthly limit on a weekday, Revolut is cheaper, since only its small spread applies. Above the limit or on a weekend, Wise's flat fee usually wins. Wise is simpler because the cost never changes with the calendar.
Why does Revolut cost more on weekends?
Revolut may apply out-of-market-hours pricing, with the amount depending on your country and plan. This site's tables intentionally exclude those adjustments. Check the in-app quote or wait until the next weekday before exchanging; Wise remains available in the comparison on weekends.
Are these numbers exact?
The table uses the current mid-market reference and, where available, a Wise account-holder API estimate. Other providers use stored published fee and markup models, not live quotes, so the results are modelled estimates for typical routes. Revolut's limits vary by region, Remitly's pricing varies by route and speed, and broker costs vary by amount. Always confirm the final figure on the provider's own site before you send.
Cost figures are worked out from each provider's published fee structure applied to the current mid-market reference rate, modelled estimates for typical major-currency routes. Revolut's fair-use limits, Remitly's route pricing, and broker costs vary; the figures shown are representative. Always confirm the final quote on the provider's own site before you transfer. We may earn a commission from affiliate links at no extra cost to you; this never affects rankings. Nothing here is financial advice.
Sources: Revolut exchange fees (opens in a new tab), Wise pricing (opens in a new tab), Interactive Brokers commissions (opens in a new tab), IBUK and IBLLC Client Agreement (opens in a new tab), Airwallex pricing (opens in a new tab), Remitly pricing (opens in a new tab), OFX pricing (opens in a new tab). Accessed 22 August 2026.