Revolut vs Wise
Revolut and Wise both offer a multi-currency account and a card, and both are licensed in Singapore. Revolut leans into app features and a free tier; Wise leans into transparent mid-market FX and international transfers. Here is the head-to-head.
By Marcus Tan·Verified
Winner
Wise
Wise edges it for travellers who want the most currencies, fully transparent FX and international transfers. Revolut is the better choice if you value its richer app and a generous free tier for everyday multi-currency spending.
Get WiseSide by side
| Revolut | Wise | |
|---|---|---|
| Starting price | S$0.00 | S$0.00 |
| Annual fee | None on the Standard plan | None |
| Supported currencies | 25+ currencies held in-app | 40+ currencies held in one account |
| Card type | Prepaid/debit card, physical and virtual | Debit Mastercard |
Revolut
from S$0.00What’s good
- Generous free tier covers most casual travellers.
- Strong app with budgeting, sub-accounts and instant spend notifications.
- Holds a wide range of currencies.
Worth noting
- Fee-free FX is capped monthly; heavy spenders hit a markup or need a paid plan.
- Weekend currency conversion carries a markup.
- Paid tiers are worth it only for frequent or high-value travel.
Wise
from S$0.00What’s good
- Supports far more currencies than typical Singapore travel wallets.
- Mid-market exchange rate with fully transparent, itemised fees.
- Doubles as a low-cost international transfer account.
Worth noting
- Conversion is not free — a small fee always applies.
- Physical card has a one-time issuance fee.
- More features than a pure travel card needs if you only spend abroad.
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