Send $1,000 from dollars to euros on a Tuesday and Revolut takes about $1.00, while Wise takes about $3.44. Send the same $1,000 on a Saturday and Revolut can suddenly cost more than Wise. The winner depends on the amount, the plan, and the day of the week, which is exactly why a static screenshot can't answer the question. The tables use the current mid-market reference and stored provider pricing models; Wise may use an account-holder API estimate.
- Under roughly $1,500 on a weekday, Revolut Standard costs only its small spread, while Wise charges about 0.4% from the first dollar.
- Above Revolut's monthly limit, a 0.5% fee starts on the amount over; Wise's ~0.4% never changes.
- Weekend adjustments are excluded from the table. Revolut's out-of-market-hours terms vary by country and plan; compare again on the next weekday when possible.
- Either one beats a typical bank (3%+) by a wide margin.
How Wise charges
Wise hands you the mid-market rate and adds a variable fee on top, around 0.33–0.5% on popular routes like US dollars to euros, plus a small fixed charge of roughly $0.61. No subscription, no monthly limit, no weekend surcharge. The number at checkout is the number you pay.
That's the appeal: you always know what you'll pay. You never check the calendar or track a running total. The trade-off is that Wise charges from the first dollar, so on a tiny transfer inside Revolut's limit, Wise is the more expensive of the two.
How Revolut charges
What you pay Revolut depends on two things: which plan you're on, and how much you've already converted this month.
Because the site does not yet ask for a sender country, it uses representative US fallback plans. The labels and monthly prices are shown so existing plan holders can compare them, but regional names, allowances, overage terms, and subscriptions can differ.
- Standard (no monthly fee): a near-mid-market rate with only a small spread, up to a monthly limit of roughly $1,000–1,500 depending on your region. Over it, 0.5% on the amount above.
- Plus ($2.99/mo): limit rises to about $3,500–5,000.
- Premium ($7.99/mo): limit around $8,000–12,000.
- Metal ($13.99/mo): no limit at all.
So a $1,000 weekday transfer on Standard costs only its small spread, about $1.00, while Wise takes about $3.44. Push that same transfer to $10,000 and Standard's 0.5% on the amount over the limit starts to bite, whereas Wise's percentage stays flat. That crossover (cheap up to a point, then not) is the thing to understand about Revolut.
Head to head, by amount
The ranking flips as the amount grows. Here's the same US-dollar-to-euro transfer at three sizes, with the current estimates.
$1,000: Revolut's spread-only tier shines
Inside the limit, every Revolut plan sits at just its small spread (0.10%), and Wise is the one charging. If you send small amounts on weekdays and stay under the limit, Revolut Standard is hard to argue with.
$5,000: the limits start to crack
At $5,000, Standard has gone past its monthly limit, so Revolut charges 0.5% on the amount above it. Plus, Premium and Metal are typically still inside their limits at this size, so they stay at just the spread. Wise is unchanged, since it has no limit to exceed.
$25,000: Wise closes the gap
At this size only Metal stays at the spread-only rate on a weekday. Every other Revolut plan pays 0.5% on a large amount over the limit, which is real money, and Wise's flat ~0.41% on the full amount starts to look competitive; on some routes it edges ahead.
The pattern at a glance
At $10,000 the bars make it visible: Metal and Premium still near zero (they're inside their limits), Standard out near 0.5% because it blew past its limit first, and Plus and Wise close together in between. (A typical bank, off this chart, would sit past 3%; see the full comparison.)
The next chart breaks that same $10,000 transfer into what actually arrives versus what each provider keeps: the visible fee in gold, the part hidden inside the exchange rate in red. The bank's bar is mostly red, which is the whole story in one picture.
The monthly fee, honestly
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.
Who should pick what
Pick Wise if you send at odd hours or on weekends, you don't want a monthly limit hanging over you, or you're moving one large sum and want the cost to be the same every time.
Pick Revolut if you send small amounts on weekdays and can stay inside the limit, or Revolut is already your everyday account and the transfer is just shuffling your own money.
Check Interactive Brokers first when the large currency exchange belongs to an investment, trade or hedge inside the brokerage. Its 0.20-basis-point commission with a USD 2 equivalent minimum can beat both well below $50,000, depending on the final traded price. Wise remains simpler for paying somebody else.
The bottom line
For a transfer under $1,500 on a weekday, Revolut Standard is the cheapest thing we track, its cost limited to the small built-in spread, full stop. Above that, on weekends, or for anyone who'd rather not think about limits, Wise's flat ~0.4% is simpler and often cheaper once the dust settles. The difference between them is a few dollars on a $1,000 transfer; small, but it compounds if you send every month.
The comparison that matters most, though, is against the default. The bank account most people use out of habit charges 3%+ on the same transfer. Wise or Revolut cuts that by roughly 90%. Our guide to cutting FX fees walks through the mechanics.
Frequently asked questions
Is Wise cheaper than Revolut?
Sometimes. Below 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 ~0.4% frequently wins. There is no universal answer; it depends on the amount and the day.
Does Revolut charge a fee on weekends?
It may. Revolut's out-of-market-hours pricing depends on your country and plan. The tables intentionally exclude weekend adjustments, so check the in-app quote or wait until the next weekday. Wise remains in the comparison on weekends, but its final payment option and quote should also be confirmed.
Are these numbers exact?
They're worked out from each provider's published fee structure against the live mid-market rate, so they're current, but they're modelled estimates for typical routes. Revolut's limits and plan prices vary by region. Always confirm the final figure on the provider's own checkout 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 and plan prices vary by region; 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: Wise pricing (opens in a new tab), Revolut exchange fees (opens in a new tab), Currenxie pricing (opens in a new tab), Airwallex pricing (opens in a new tab), Interactive Brokers commissions (opens in a new tab), IBUK and IBLLC Client Agreement (opens in a new tab). Accessed 22 August 2026.