Provider pricing watch
This ledger records the pricing terms most likely to change a comparison: Wise route fees, Revolut plan limits and Interactive Brokers currency-trading commissions. The first release is a baseline, not an invented history.
Planned cadence: a full check each quarter, plus an earlier entry when an official provider notice or price document shows a material change. The next scheduled review is November 2026.
Last checked 23 August 2026 · Reviewed by Klaus Thorup
What counts as a change
We add an entry when an official fee document, plan price, allowance, commission or route quote changes enough to affect cost or product fit. A new review date alone is not described as a provider price change.
Download baseline CSVChecked 23 August 2026
Wise
Wise prices each currency route and funding method separately, so the useful signal is the quoted fee for a fixed transfer rather than one global percentage.
Current baseline
- $1,000 USD to MXN: $5.77 from a Wise balance in the recorded public price check.
- $1,000 USD to DOP: a $50.52 API fee with a dynamic charge on the recorded date.
- £1,000 GBP to NGN: £6 from a Wise balance in the recorded public price check.
- A$1,000 AUD to NZD: A$4.44 from a Wise balance in the recorded public price check.
What we monitor
- ✓Route and funding-method fee changes
- ✓Dynamic charges on less widely used currencies
- ✓Large-transfer discount thresholds
- ✓Country-specific fee-document updates
Recorded entries
Recorded four route-specific public or API prices as the starting point for future checks.
Wise price-change policy
Checked 23 August 2026
Revolut
Revolut pricing is country- and plan-specific. The US baseline is kept separate from UK and Singapore terms so plan names are not treated as globally interchangeable.
Current baseline
- US Standard: $0 monthly, $1,000 rolling exchange allowance, then a 0.5% fair-usage fee.
- US Premium: $9.99 monthly, $10,000 allowance, then a 0.5% fair-usage fee.
- US Metal: $16.99 monthly with no fair-usage exchange limit.
- US Standard adds 1% outside stated foreign-exchange market hours; Premium and Metal do not.
What we monitor
- ✓Monthly and annual plan prices
- ✓Exchange allowances and over-limit fees
- ✓Outside-market-hours fees
- ✓Country-specific plan benefits and transfer discounts
Recorded entries
Current US Standard, Premium and Metal fee documents were published as the 30 April 2026 versions.
Revolut US fee documentsRecorded the current three-plan US price and exchange-limit structure for later comparison.
Revolut US plan comparison
Checked 23 August 2026
Interactive Brokers
Interactive Brokers separates a currency trade from its commission. The main items to watch are the commission tier, minimum order charge, quote-markup policy and product availability by affiliate.
Current baseline
- First manual spot-FX tier: 0.20 basis point, equal to 0.002% of trade value.
- Minimum commission: USD 2 per order at the first tier.
- IBKR says it adds no markup to quotes received from its FX dealers and charges commission separately.
- Direct spot-currency trading permissions and supported products vary by affiliate and account.
What we monitor
- ✓Commission tiers and minimum order charges
- ✓Manual spot FX versus automatic conversion pricing
- ✓Supported currencies and direct pairs
- ✓Affiliate, account and withdrawal restrictions
Recorded entries
Recorded the current first-tier manual spot-FX commission and USD 2 minimum.
IBKR spot-currency commissions