Wise vs Revolut for International Freelancers in 2025: Which One to Use?
In 2025, freelancers working across borders need more than just a payment app — they need a full financial toolkit. Both Wise and Revolut have become popular among remote professionals who manage multiple currencies and clients worldwide. But which one gives you better control, lower fees, and more freedom? Let’s break it down.
Wise: Transparent, Simple, and Built for Cross-Border Work
Wise (formerly TransferWise) is designed specifically for transparent international transfers. Its biggest strength is the use of the mid-market exchange rate — the real rate you see on Google — without hidden markups.
- Multi-currency account supporting 40+ currencies.
- Personal IBAN, US account, and local details for 10+ countries.
- Average FX fee: 0.35–0.7% depending on currency route.
- Integration with accounting tools like Xero and QuickBooks.
Wise is ideal for freelancers who invoice clients directly in different countries and want the lowest possible FX costs.
Revolut: All-in-One Finance App for Freelancers
Revolut has evolved from a prepaid card to a fully digital bank alternative. It supports multi-currency accounts, spending analytics, and investment options — all inside one app.
- Local accounts in EUR, GBP, USD, and more.
- Exchange rates close to interbank (but markups apply on weekends).
- Instant transfers between Revolut users.
- Debit cards and disposable virtual cards for safer online use.
Revolut works well for freelancers who prefer an integrated banking experience rather than just a transfer tool.
Wise vs Revolut: Key Comparison (2025)
| Feature | Wise | Revolut |
|---|---|---|
| FX Rate | Mid-market, no markup | Close to mid-market (markup on weekends) |
| Currencies Supported | 40+ | 30+ |
| Card Options | Debit Mastercard | Debit + virtual cards |
| Transfers to Non-Users | Yes (bank-to-bank) | Yes (some limits apply) |
| Integrations | Accounting tools, APIs | App-only ecosystem |
When to Choose Wise
- You frequently invoice international clients.
- You need real exchange rates and predictable transfer costs.
- You prefer a business-style account with separate balances.
When to Choose Revolut
- You prefer an all-in-one mobile banking app.
- You manage both personal and business expenses together.
- You value instant transfers and built-in savings tools.
Pro Tip: Use Both Platforms
Many freelancers combine the two — using Wise for client invoices and cross-border transfers, and Revolut for local expenses and card payments.
This hybrid setup saves on fees and provides flexibility between currencies.
Final Verdict
For pure international work, Wise still leads in cost transparency and reliability.
However, Revolut wins for lifestyle features, analytics, and a modern banking interface.
Freelancers who work globally in 2025 will benefit most from using both side-by-side.
Disclosure: This article contains affiliate links. We may earn a commission if you sign up via our Wise link — at no extra cost to you.
If you found this helpful, check out our related article on Payoneer vs Wise for Freelancers to see how it compares with Revolut. [Insert internal link here]
