Revolut vs Wise
HinweisAutomatisch lokalisierte Seite — Überschriften, Kennzahlen und Kategorien auf Deutsch; die ausführlichen Beschreibungen und die verifizierten Quelldaten stammen aus dem englischen Originalprofil.
KurzantwortRevolut is a hybrid neobank and Wise is traditional. Revolut holds its own banking license and is the larger platform (~50M users); Wise is built for travel & digital nomads. Compare custody, license, FX markup and fees field by field below.
Gegenüberstellung
| Revolut | Wise | |
|---|---|---|
| Kategorie | hybrid | traditionell |
| Zielgruppe | general | travel & digital nomads |
| Hauptsitz | London, UK | London, UK |
| Gegründet | 2015 | 2011 |
| Verwahrung | Verwahrt | Verwahrt |
| Regulierungstyp | Lizenzierte Bank | E-Geld-Institut |
| Lizenzdetail | UK banking license (2024); EU license (Lithuania) | E-money/payment licenses globally |
| Karte | Visa/MC · Debit + credit | Visa/MC · Debit |
| Cashback | Perks by tier | — |
| Rendite | Savings vaults | Interest on balances (region) |
| FX-Aufschlag | Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup (2026-07) | Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency (2026-04) |
| Dienste | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards, crypto-settled card | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards |
| Stablecoins | Ja | Nein |
| KYC | Ja | Ja |
| Aktive Regionen | Europa, Nordamerika, Ozeanien, Asien, Lateinamerika | Europa, Nordamerika, Asien, Ozeanien, Lateinamerika, Afrika, MENA |
| Gemeldete Nutzer | 50M customers (2025) | 19M customers (FY26) |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.