Revolut vs Wirex
A side-by-side look at how these two wallets stack up — and which one wins for which job.
| Feature | Revolut | Wirex |
|---|---|---|
| Score | 4.4 / 5 | 3.7 / 5 |
| Best for | Travel spending and an all-in-one app | Spending crypto in everyday life |
| Monthly fee | Free to ~$16.99/mo (Standard→Metal) | Free; optional premium tiers |
| Exchange rate | Mid-market weekdays; ~1% weekend on Standard | Interbank/OTC, no exchange fee on spend |
| Send / receive | Free between Revolut users | Free Wirex-to-Wirex; crypto network fees |
| Withdrawals | Free up to a monthly limit, then ~2% | Free ATM ~$200/mo, then ~2% |
| Card | Yes — virtual & physical debit; Metal on premium | Yes — debit card spending crypto & fiat |
| Availability | 40+ markets; cards usable in 160+ countries | ~35 countries |
| Currencies | 30+ in-app (spend in 120+) | 34+ fiat & crypto; 130+ cryptoassets |
| Regulation | Bank of Lithuania (ECB), UK banking licence, FCA | FCA-registered (crypto); e-money permissions |
| Founded | 2015 | 2014 |
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
Wirex
Wirex is a crypto-focused money app and card letting users spend both cryptocurrency and fiat in everyday life, with tiered Cryptoback rewards that reach high rates for users locking large amounts of its WXT token. It supports 130+ cryptoassets and charges no annual card fee. As a crypto-centric e-money product rather than a bank, balances carry volatility and lack deposit protection.
Pros
- Spend crypto and fiat from one card
- Tiered Cryptoback rewards
- No annual card fee
Cons
- Top rewards require large WXT lockups
- Crypto exposure carries volatility risk
- Coverage limited to ~35 countries
The bottom line
Overall, Revolut edges ahead with a score of 4.4 versus 3.7 — but the right choice depends on your priorities. Check both against your own country and use case before deciding.