Both the Revolut Standard Debit Card and the Wise Debit Card are excellent options for international travelers and those who frequently transact in multiple currencies. Wise offers more transparent currency conversion fees and integrates with digital wallets. Revolut Standard provides more free ATM withdrawals and potential cashback rewards. The best choice depends on individual spending habits and priorities.
| Attribute | Revolut Standard Debit Card | Wise Debit Card |
|---|---|---|
| Foreign transaction fees | Revolut doesn't charge foreign transaction fees, but a 1% fee applies to currency exchange on weekends for Standard plan users. | Wise doesn't charge foreign transaction fees. |
| ATM withdrawal fees (domestic and international) | Standard plan offers free withdrawals up to 5 ATM withdrawals or £200 per month (whichever comes first). After that, a fee of 2% of the withdrawal amount applies, or £1 (whichever is higher). The fees are the same domestically and internationally. | Wise provides two free ATM withdrawals per month, up to a certain limit. After that, a fixed fee and a percentage of the withdrawn amount are charged. These fees vary depending on the card's issuing country. For example, cards issued in the EEA and UK have 2 free monthly withdrawals up to 200 EUR/GBP. For US-issued cards, there are 2 free withdrawals up to $100. |
| Currency conversion fees | Revolut uses the interbank exchange rate. Standard plan: 1% fee charged for exchanges over £1,000 per month. Weekend Fee: 1% fee on all exchanges made on the weekend between 5 PM Friday and 6 PM Sunday, Eastern Time (ET). | Wise uses the mid-market exchange rate for currency conversion, with a small, transparent fee that starts from 0.43% and varies by currency. |
| Card issuance fee | The first Revolut card is free, but a delivery fee applies. Additional cards cost £5 (or equivalent) plus a delivery fee. | A one-time fee is charged to get the Wise debit card. For example, it costs $9 in the US , 7 GBP in the UK, and 13.70 MYR in Malaysia. |
| Monthly maintenance fee | There is no monthly maintenance fee for the Standard plan. | There are no monthly subscription or maintenance fees. |
| Spending limits | A card can spend a maximum of 5,000,000 GBP (or currency equivalent) per month. You can also set a monthly spending limit within the app. | Spending limits vary by country and can be adjusted in the Wise app. |
| ATM withdrawal limits | £3,000 (or equivalent) within 24 hours. Free monthly withdrawal allowance depends on the plan. For the Standard plan, it's £200 a month or five fee-free withdrawals, whichever comes first. | ATM withdrawal limits also vary by country and can be adjusted within the app, up to a maximum. |
| Supported currencies | Revolut supports card payments and ATM withdrawals wherever Mastercard and Visa are accepted, in a wide range of currencies. | The Wise card supports over 40 currencies and can be used in over 160 countries. |
| Mobile app features | Spend and transfer money easily, set up monthly budgets, freeze your card, transfer money to other Revolut users instantly, track expenses and budgets, split bills, set up automatic savings. | The Wise app allows you to manage your card, view transactions, check balances, and freeze/unfreeze the card. It also provides real-time notifications for transactions and customizable security controls. |
| Security features (e.g., card freezing, virtual cards) | Card freezing, virtual cards for online transactions, two-factor authentication, biometric security, location-based security, the ability to block online transactions, swipe payments, and ATM withdrawals, real-time transaction monitoring. | Wise cards have security features such as card freezing, two-factor authentication, and real-time notifications. Wise also offers virtual cards for secure online payments. 24/7 fraud monitoring. |
| Cashback rewards or other perks | Revolut Standard cards may offer up to 5% cashback on qualifying merchants. | The search results do not specify any cashback rewards or perks associated with the Wise debit card. |
| Integration with other financial services | Multi-currency accounts, international money transfers, savings options, investment options (stocks and crypto). | Wise integrates with other financial services, allowing you to send and receive money internationally. It also supports integration with digital wallets like Apple Pay and Google Pay. |