Spend & Transfer

What it is

A money app for spending, transferring and managing money across multiple currencies, with additional features depending on your plan.

Our take

Revolut is the money app I use most because it brings a lot of things together in one place. I use it for everyday spending through Apple Pay, holding and exchanging different currencies, shared money, our kid’s account and international spending. I also like having virtual and disposable cards available when buying online.

I’m on a paid plan because I get enough value from the additional features and included benefits, but there is also a free Standard plan.

Good to know

• Supports multiple currencies and international transfers.
• Personal, joint and Kids & Teens accounts are available.
• Physical, virtual and disposable virtual cards are available.
• Apple Pay and Google Pay are supported.
• Free and paid plans are available, with different features, limits and benefits.
• Currency exchange allowances and fees can vary depending on your plan, usage and when the exchange is made.

What it is

A multi-currency money and transfer service for holding, converting, sending and spending money internationally.

Our take

Wise was one of the first multi-currency money apps I used, particularly for sending and holding money in different currencies. I don’t use it as much these days because Revolut has become my main app and covers more of the features I personally use.

I still think Wise is worth comparing, particularly if your main goal is international transfers or spending in different currencies.

Good to know

• Supports holding and converting multiple currencies.
• International transfers are one of Wise’s main features.
• Physical and digital cards are available.
• Apple Pay and Google Pay are supported.
• Wise uses the mid-market exchange rate and shows its conversion/transfer fees separately.
• Fees vary depending on the currency, amount and type of transaction.