By The Take Editorial – May 6, 2025

In 2025, as the freelance economy keeps booming, two digital banking tools have emerged as top favorites: Revolut and Wise (formerly TransferWise). If you’re working with international clients, managing multiple currencies, or just looking for low-fee, high-flexibility finance tools, this article is for you.

Fees & Exchange Rates

Revolut offers competitive mid-market exchange rates, but many of its best features are gated behind paid plans. On the other hand, Wise is fully transparent, charging a small percentage over the mid-market rate but showing all fees upfront—even for one-time users.

Winner: Wise, for simplicity and clarity.

Multi-Currency Accounts

Both platforms support holding and sending in multiple currencies.

Wise: 50+ currencies, with real bank account numbers in USD, GBP, EUR, and more.
Revolut: ~30 currencies, but access to virtual cards and crypto adds more utility.
Winner: Wise for global account details; Revolut for variety.

Card Services

Revolut offers stylish physical and virtual cards with spending analytics, cashback, and Google/Apple Pay support. Wise’s card is simpler but reliable for travel and daily use.

Winner: Revolut, especially for active spenders.

App Experience

Both apps are slick and user-friendly. Revolut adds budgeting, stock trading, and crypto features. Wise keeps things clean and functional.

Winner: Revolut, if you want an “all-in-one” experience.

‍ Freelancer Features

Wise lets you send invoices in foreign currencies with built-in payment links—ideal for freelancers. Revolut offers more advanced analytics and integrates with accounting tools like QuickBooks.

Winner: Tie. Wise for payments; Revolut for financial overview.

Verdict: Which One Should You Use in 2025?

Choose Wise if: You’re primarily focused on international payments, getting paid, and low, transparent fees.
Choose Revolut if: You want a versatile financial app with trading, crypto, and budgeting tools beyond just payments.