Does Revolut Standard charge no fees for all international transfers?
No. Its rules for SEPA, exchange and other international transfers are distinct.
PERSONAL COMPARISON
Wise vs Revolut from the Netherlands: fees and exchange rates
Already holding currencies in Revolut and sending a one-off bank payment are different use cases. Price both services on the same currency pair, funding method and day before drawing a conclusion.
In brief
Wise offers an upfront transfer quote with exchange rate, fee and amount received. Revolut is worth evaluating if you already use its account and your transaction fits the plan allowance. Neither choice can be declared universally cheaper from a published fee headline.
How the pricing models differ
| Factor | Wise | Revolut Standard |
|---|---|---|
| Payment and price | Quote for the chosen source currency, funding route and recipient. | Exchange price and international payment charges are displayed in-app. |
| Exchange allowance | Fees apply to the individual Wise route; eligible large volumes can receive discounts. | €1,000 exchange allowance per month on Standard before a 1% fair-usage fee. |
| Weekend conversion | The final Wise quote shows your applicable exchange rate and fee. | Standard currently applies a 1% weekend exchange fee on eligible exchanges under its published terms. |
| Destination and payout | Confirm amount received in the target currency and the beneficiary route. | International-transfer fees vary independently of any FX fair-use charge. |
The right comparison at €50, €500 and €5,000
At €50, a minimum or flat charge can determine the result. At €500, compare bank funding with card funding. At €5,000, consider the Revolut plan's remaining allowance and whether any applicable weekend exchange fee changes the quote.
Don't apply a general Revolut plan percentage to a Wise quote and call the result a live transfer comparison. Both figures have to describe the same payment.
A euro-to-euro SEPA transfer is different
When the recipient can take euros into an eligible SEPA account, your ordinary bank or existing Revolut account might be the practical starting point. No foreign-exchange comparison is needed unless somebody must convert the money.
What the recipient actually gets
Compare net receipt, not only the mid-market rate or the advertised fee. Check whether the sender pays charges on top, whether an intermediary bank may deduct costs, and whether the payout method is supported for the recipient.
Compare the same transaction, not two advertised rates
Get a quote on the same date, for the same currencies, destination bank account and amount received. Account for Wise’s selected funding method, and for Revolut’s separate exchange and international transfer charges.
Try both a €500 and €5,000 payment to the same recipient. Record what leaves your account and what arrives. If you would pay for a Revolut subscription solely for transfers, include that subscription in the total cost.
Checklist before choosing
- Which Revolut subscription and monthly exchange allowance applies?
- Is the conversion made during a period with weekend charges?
- Are both quotes bank-funded and sent to the same payout method?
- After all charges, what is the recipient's actual currency amount?
Frequently asked questions
Is Wise cheaper for €5,000?
Only matching current quotes could establish that for a specific transaction.
What if I only need to send euros to another European bank?
Check your domestic-equivalent SEPA payment first, since currency exchange may not be needed.
Research and sources
This comparison is based on official published pricing and product terms reviewed 12 October 2026. It does not rank live quotes. No competitor links or unverified discounts.
Read our methodology →