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.

Winner: Wise Business

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

✓ Winner

vs

0 ties

Revolut Business

3

metrics won

$994.00

per $1,000

Wise Business vs Revolut Business: Full comparison

MetricWise BusinessRevolut BusinessBetter
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
Full Wise Business review

Choose Revolut Business if…

  • Small teams needing expense management
  • UK/EU-based businesses
  • Companies wanting a full business banking solution
Full Revolut Business review

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

Full comparison