Wise vs Revolut Business for getting paid
The fee structures are opposites: Wise charges from 0.57% on every conversion with no subscription; Revolut Business charges from $10/month but converts free inside your plan's monthly allowance ($1,000 on Basic, $20,000 on Grow, $80,000 on Scale) and 0.6% beyond it. Convert less than your allowance and Revolut's subscription buys you 0% FX; convert well past it and the structures converge — then rails decide: Wise gives local receiving details in 22 currencies, Revolut's US local details cover USD and GBP only.
Wise Business
You receive USD 79.54 (0.57% total fees)
- Currency conversion 0.57% Official fact−0.46
Local receiving details in 22 currencies; marketplaces pay you like a domestic transfer, free. One-time $31 setup.
⚠ 0.57% is Wise's published 'from' rate — the exact fee depends on the currency pair.
⚠ Not a checkout processor: pair it with a marketplace or a processor like Stripe/PayPal.
Revolut Business
You receive USD 79.52 (0.6% total fees)
- Currency conversion 0.6% Official fact−0.48
Plans from $10/month (Basic). Each plan includes a free monthly FX allowance ($1k Basic / $20k Grow / $80k Scale); 0.6% applies beyond it.
⚠ Within your plan's monthly FX allowance the conversion is free — the 0.6% shown is the beyond-allowance rate, so low volumes can beat Wise/Payoneer here.
⚠ 1% out-of-hours markup applies to weekend conversions on all plans.
⚠ US local account details cover USD (ACH/wire) and GBP only; other currencies receive via SWIFT — narrower marketplace-payout rails than Wise's 22-currency local details.
⚠ Not a storefront card processor for US sellers (acceptance pricing published for UK only).
Do the allowance math before the rate math
A seller converting $15k/month: on Revolut Grow ($40/mo annual billing) the first $20k converts free — total cost $40. On Wise the same volume at 0.57% costs about $85. Flip the volume to $60k/month and Revolut costs $40 + 0.6% × $40k = $280 while Wise costs ~$342 — still close, and Wise's per-currency rates can move either side. The crossover is personal; that's why the calculator above takes your number.
Two Revolut asterisks that don't show in a headline rate: weekend conversions carry a 1% out-of-hours markup on every plan, and marketplace payouts in currencies other than USD/GBP arrive via SWIFT rather than free local rails — a structural disadvantage against Wise's 22-currency local details if you sell into the EU or Australia.
Common questions
- Which works better as pure marketplace-payout rails?
- Wise, for footprint: 22 currencies of local receiving details versus Revolut's US-account USD + GBP. If your payouts are all USD, the gap disappears and Revolut's allowance can win on cost.
- Can either replace my checkout?
- Not for US sellers — both are receiving/FX accounts here. Revolut publishes card-acceptance rates for UK businesses only.
Official sources behind these numbers
- Revolut Business (US) plan tiers and monthly prices: Basic from $10/month, Grow from $40/month, Scale from $140/month, Enterprise custom Revolut · verified 2026-07-22
- Free FX allowance per month (US plans): Basic $1,000, Grow $20,000, Scale $80,000; 0.6% markup on exchange above allowance Revolut · verified 2026-07-22 · effective 2026-04-30
- 1% fee on currency exchanges outside foreign-exchange market hours (weekend markup), all plans, US and UK Revolut · verified 2026-07-22
- US Revolut Business customers get: US local account details (account number, ACH routing number, wire routing number) and British local account details (sort code + account number); all other currency accounts have SWIFT-only international details, no local details Revolut · verified 2026-07-22
- Wise Business currency conversion costs from 0.57% (varies by currency), at the mid-market exchange rate Wise · verified 2026-07-21
- Wise Business receiving is free for domestic (non-Swift) payments in AUD, CAD, EUR, GBP, HUF, NZD, PLN, SGD, USD; Swift/wire receiving costs a fixed fee (USD wire $6.11, GBP Swift £2.16, EUR Swift €2.39) Wise · verified 2026-07-21