Revolut vs WeChat Pay
A side-by-side look at how these two wallets stack up — and which one wins for which job.
| Feature | Revolut | WeChat Pay |
|---|---|---|
| Score | 4.4 / 5 | 4.1 / 5 |
| Best for | Travel spending and an all-in-one app | In-app payments & P2P in China |
| Monthly fee | Free to ~$16.99/mo (Standard→Metal) | Free |
| Exchange rate | Mid-market weekdays; ~1% weekend on Standard | 3% foreign-card fee on ¥200+ (waivers apply) |
| Send / receive | Free between Revolut users | Free P2P in China; ~0.1% to bank |
| Withdrawals | Free up to a monthly limit, then ~2% | ~0.1% to bank card |
| Card | Yes — virtual & physical debit; Metal on premium | No physical card; QR-code linking bank cards |
| Availability | 40+ markets; cards usable in 160+ countries | China-centric; cross-border via partners |
| Currencies | 30+ in-app (spend in 120+) | CNY; foreign cards for visitors |
| Regulation | Bank of Lithuania (ECB), UK banking licence, FCA | People's Bank of China (PBOC); Tencent/Tenpay |
| Founded | 2015 | 2013 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Cons
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
WeChat Pay
WeChat Pay is Tencent's payment layer inside the WeChat super-app, with more than a billion users and ubiquitous QR acceptance across China, making chat-integrated transfers and red packets effortless. Recent fee waivers have made it easier for foreign visitors to onboard. Like Alipay, it is indispensable in China but of limited utility abroad.
Pros
- Over a billion payment users in WeChat
- Seamless chat-integrated transfers & red packets
- Near-universal QR acceptance across China
Cons
- Tied to WeChat; mainly useful in China
- 3% foreign-card fee above ¥200 after intro
- Verification tricky for foreigners
The bottom line
Overall, Revolut edges ahead with a score of 4.4 versus 4.1 — but the right choice depends on your priorities. Check both against your own country and use case before deciding.