Payments · Head-to-head comparison
Wise Business vs Revolut Business
Wise Business vs Revolut Business — net payout, FX rates, business features, and which platform is best for freelancers and SMBs.
Wise pays out $1.50 more per $1,000 (0.45% vs 0.6% FX margin) and has deeper regulatory coverage. Revolut Business has better team and expense features for growing businesses.
Wise Business
3
metrics won
$995.50
per $1,000
✓ Winnervs
0 ties
Revolut Business
3
metrics won
$994.00
per $1,000
Wise Business vs Revolut Business: Full comparison
| Metric | Wise Business | Revolut Business | Better |
|---|---|---|---|
FX margin | 0.45% | 0.6% | Wise Business |
Net per $1,000 | $995.50 | $994.00 | Wise Business |
Team cards | Basic | Advanced | Revolut Business |
Expense management | Basic | Full suite | Revolut Business |
Regulatory coverage | 50+ countries | EU + UK | Wise Business |
Accounting integrations | Xero, QuickBooks | Xero, QuickBooks, Sage | Revolut Business |
Our verdict
Wise Business is better for the core use case of receiving and converting international payments at low cost. Its 0.45% FX margin beats Revolut Business's 0.6%, and it has broader regulatory presence. Revolut Business wins on business banking features — corporate cards, team spend controls, and in-app automation. For freelancers: Wise. For teams of 5+: Revolut Business is worth considering.
When to choose each
Choose Wise Business if…
- Freelancers and solo contractors
- Anyone prioritising lowest FX cost
- Users in non-EU/UK markets
Choose Revolut Business if…
- Small teams needing expense management
- UK/EU-based businesses
- Companies wanting a full business banking solution
Frequently asked questions
Is Revolut Business regulated as well as Wise?
Wise is regulated in 50+ countries with ring-fenced customer funds. Revolut Business holds an EU banking licence (Lithuania) and FCA e-money licence (UK). Both are well-regulated; Wise has broader coverage for non-EU markets.
Compare all payment platforms
See the full rankings by net payout per $1,000