Revolut vs Wise
NotePage localisée automatiquement — titres, chiffres clés et catégories en français ; les descriptions détaillées et les données vérifiées proviennent du profil original en anglais.
Réponse courteRevolut 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.
Côte à côte
| Revolut | Wise | |
|---|---|---|
| Catégorie | hybride | traditionnelle |
| Public | general | travel & digital nomads |
| Siège | London, UK | London, UK |
| Fondée | 2015 | 2011 |
| Conservation | En conservation | En conservation |
| Type de régulation | Banque agréée | Établissement de monnaie électronique |
| Détail de licence | UK banking license (2024); EU license (Lithuania) | E-money/payment licenses globally |
| Carte | Visa/MC · Debit + credit | Visa/MC · Debit |
| Cashback | Perks by tier | — |
| Rendement | Savings vaults | Interest on balances (region) |
| Majoration FX | 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) |
| Services | 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 | Oui | Non |
| KYC | Oui | Oui |
| Régions actives | Europe, Amérique du Nord, Océanie, Asie, Amérique latine | Europe, Amérique du Nord, Asie, Océanie, Amérique latine, Afrique, MENA |
| Utilisateurs déclarés | 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.