Updated September 28, 2026 · DebitCue Editorial Team
Revolut vs Wirex
Revolut
Wirex
Higher score in this comparison
What sets them apart
| Compare | RevolutReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | £0 | $0 |
| Currency conversion fee | 0% to 2% | 0% |
| Free ATM withdrawals | £200 | $400 |
| Currencies | 160Higher | 150 |
| Cashback rate | Not confirmed | 8% |
| Custody | Not confirmed | Custodial |
Same on both: Card type (Debit), Card network (Visa).
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Key differences
- Wirex scores higher overall: 9.6 vs 9.2.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Currencies is higher at Revolut: 160 vs 150.
- Features: only Wirex offers Crypto, Custodial.
Our verdict on each
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Wirex
Wirex suits people who want crypto spending, travel money and cashback on one custodial Visa debit card. Costs are the draw: a monthly fee of $0 and a currency conversion fee of 0% place it at the front of the 259 brands compared on conversion costs.
Score breakdown
| Area | Revolut | Wirex |
|---|---|---|
| Cost | 9.4Monthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. | 9.4Monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor. |
| Offer | 9.9Rewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. | 9.9Cashback of 8% and 150 currencies with crypto and virtual card options drive the offer. |
| Trust | 8.6 | Not confirmed |
Where each is licensed and available
| Country | Revolut | Wirex |
|---|---|---|
| United Kingdom | FCA 902025 | |
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Not confirmed |
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
Available in 1 country for both. Additional countries for Revolut: 28.
Positions in our rankings
| Ranking | Revolut | Wirex |
|---|---|---|
| Debit cards | 23 of 1336 | 17 of 1336 |
| Travel cards | 15 of 443 | 12 of 443 |
Sources behind this comparison
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
Wirex
- coincodecap.com: 4 facts, checked September 26, 2026
- currencyexpert.com: 4 facts, checked September 26, 2026
- budgetfitter.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Revolut | Wirex |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Legal entity | Revolut Digital Assets (Europe) Ltd | Wirex Limited |
| Headquarters | Cyprus | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Credit cards
| Fact | Revolut | Wirex |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 13.34% to 17.99% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Pricing model | No annual fee | Not confirmed |
| Rewards rate | 1.5 points per EUR1 | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Revolut | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0% to 2%below the median | 0%below the median | 1 |
| Cashback rate | Not confirmed | 8%highest quarter | 2% |
| Currencies | 160highest quarter | 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
Revolut
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
Wirex
Pros
- Monthly fee of $0 on a standard Visa debit account
- Currency conversion fee of 0%, ranked 1 of 259 brands
- Cashback of 8% returned on everyday card spending
Cons
- The account is custodial, so balances sit with Wirex Limited rather than with you
- Free ATM withdrawals of $400 rank 8 of 115
Who each suits
Revolut
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
Wirex
Who it suits
- Crypto holders who want to spend through a normal Visa debit card
- Travellers who convert several currencies at a low conversion fee
- Multi currency earners who want cashback and a virtual card
Who should look elsewhere
- People who want to hold their own keys, since the Wirex account is custodial
- Anyone wanting a plain current account: Starling Personal Account Debit Card charges £0
- Anyone who only needs a bank debit card: Wise charges a monthly fee of £0
Current offers
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | Revolut | Wirex |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 29 countries where either is available.
Questions about each
Revolut
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.
Wirex
What does Wirex cost to hold each month?+
The monthly fee is $0 on the standard debit account, and Wirex ranks 1 of 419 brands compared on that measure. Costs are simple to state: the currency conversion fee is 0%, so there is little to add for everyday use.
What does Wirex charge to convert currency?+
The currency conversion fee is 0%, which places Wirex at 1 of 259 brands compared. Travellers moving between several of the 150 currencies held on the account can convert at that rate.