Revolut
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
Last checked: 2026-08-11
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Review
Wise review: fees, card availability and travel use
Review Wise fees, card and account availability, ATM costs, exchange pricing, limits and travel use. Check current country support before applying.
Last checked: 2026-08-03
Not financial advice
This is informational content, not financial, tax or legal advice. Check official terms, eligibility, limits and local reporting obligations before using any provider.
Best for
- Transparent FX comparisons
- Freelancer and traveler multi-currency workflows
Avoid if
- Cash-heavy trips needing high free ATM limits
- Users needing branch banking
Summary verdict
- Multi-currency account, transfers and card with published fees.
- US card pricing is used as an example; use the local Wise pricing page for another residence.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Accounts and cards are region-dependent; pricing page can be localized by residence
Wise account, local details and card availability depend on residence and verification. Thailand-registered personal accounts are moving to locally regulated features and restrictions during 2026.
Card and payments
- Type
- Virtual + physical
- Custody
- Not applicable
- KYC
- Required
- Apple Pay
- Region-dependent
- Google Pay
- Region-dependent
Watchout
- Compliance reviews and regional restrictions can delay transfers or card access.
- Thailand-registered accounts can face automatic THB conversion on third-party receipts, double conversion on some non-THB transfers and no Wise-card ATM withdrawals inside Thailand after the local migration.
Fees and limits
| Issue | US example: physical card 9 USD; digital card free |
|---|---|
| Monthly | No card subscription fee in checked US pricing |
| Annual | No annual card fee in checked US pricing |
| FX | No foreign transaction fee; conversion fee applies when Wise converts currency |
| ATM | US pricing: no Wise withdrawal fee up to USD 250 combined per calendar month; then USD 1.95 plus 1.95% per withdrawal. Operator fees are separate. |
| Spend | Transfers vary by route, currency and payment method |
| Limits | Card spending limits are account and region specific. For Thailand-registered personal accounts, Wise lists rollout-stage limits including 800,000 THB per day for outward remittances, 30,000 THB per day for account payments/transfers initially, and no domestic ATM withdrawals with the Thailand-linked Wise card. |
How it works
- Hold and exchange 40+ currencies
- Card for spending and ATM withdrawals where available
- Local account details in supported currencies
Pros
- Transparent public fee pages
- Useful baseline against bank FX cards
Cons
- Card and account details vary by country
- ATM allowance can be too small for cash-heavy trips
- Thailand-registered accounts have special conversion, payment and domestic ATM restrictions rolling out in 2026
Risks / compliance notes
- Compliance reviews and regional restrictions can delay transfers or card access.
- Thailand-registered accounts can face automatic THB conversion on third-party receipts, double conversion on some non-THB transfers and no Wise-card ATM withdrawals inside Thailand after the local migration.
Official sources
Verified from official pages: Wise card fees
Data confidence
- Source checked
- 2026-08-03
- Data confidence
- High
- Review status
- Fresh
- US card pricing is used as an example; use the local Wise pricing page for another residence.
- Wise says the Thailand changes roll out on different schedules depending on signup date; check the official Thailand help page and in-app notices before moving or receiving money.
- 2026-09-09: US ATM pricing reconfirmed. Removed unsupported universal 0.43% major-pair headline and misleading claim that fixed ATM fees were removed; no new blanket rate is substituted.
Editorial verification
Who checked this review and how
This is a desk review based on recorded official sources, not a hands-on product test or customer review. Compare the documented fees, eligibility and limitations. We do not publish numerical product scores without a reproducible assessment.
- Review process
- Official-source desk review
- Last checked
- Recorded sources
- 5 official sources
Final decision check
Confirm these four points against the provider’s current terms before relying on it.
Availability
Region-dependent — Accounts and cards are region-dependent; pricing page can be localized by residence
Last checked
Last checked: 2026-08-03
May fit
Travelers comparing FX costs
Main limitation
You need branch banking
Check current terms
This opens the provider’s official site. Fees, eligibility and availability can change.
Alternatives
N26
Euro bank account: check residence eligibility, card costs and ATM terms.
Last checked: 2026-08-11
- Residents on the supported-country list needing a euro account
- Users comparing bank-deposit protection and cash-withdrawal conditions
Deel
Global contractor-payment platform with multi-currency and USDC withdrawals.
Last checked: 2026-09-07
- Contractors whose clients already use Deel
- Remote workers who want a USDC payout option
Head-to-head comparisons
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FAQ
Does Wise charge a foreign transaction fee?
Wise says it does not charge a fee just for using the card abroad, but a conversion fee applies if you spend in a currency you do not hold.
Is the cheapest transfer provider always best?
No. Reliability, corridor support, documentation and recovery options matter for important transfers.
Should freelancers keep a backup payout method?
Yes. Account reviews or corridor limits can interrupt cash flow even with legitimate payments.