For an international company, a digital bank account is a critical tool, and two names dominate the conversation: Wise Business and Revolut Business. Both are excellent, but each serves a different profile better. This guide compares them in depth so you can choose the right one for you.
Wise Business: the queen of multi-currency
Wise Business shines at handling currencies. It gives you local bank details in several currencies (pounds, euros, dollars and more), so you can receive payments as if you had a local account in each country. Conversion is always done at the real market exchange rate, with very low and transparent fees. It is the favourite of freelancers and companies that invoice in several currencies.
Revolut Business: the Swiss Army knife for teams
Revolut Business stands out for team management and spend control. It lets you create sub-accounts, issue employee cards with limits and automate payments, and it integrates with accounting tools. Its interface is very powerful for companies with several members who need to control spending.
Head-to-head comparison
| Factor | Wise Business | Revolut Business |
|---|---|---|
| Multi-currency | Excellent | Very good |
| Exchange rate | Real rate, no markup | Real rate within plan, with limits depending on plan |
| Employee cards | Limited | Excellent |
| Monthly fee | No fee (pay as you go) | Plans from free to premium |
| Accounting integration | Good | Very good |
| Ideal for | Freelancers, multi-currency payments | Teams, spend control |
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Which one to choose for your situation?
Choose Wise Business if you are a freelancer or small business and your priority is getting paid in several currencies at the best exchange rate with maximum simplicity. Choose Revolut Business if you have a team, need employee cards and want advanced spend control tools. In fact, many companies use both: Wise for receiving international payments and Revolut for the team’s day-to-day operations.
Do they work for UK and US companies?
Wise works very well with both British Limited Companies and Delaware LLCs, and offers account details in both countries. Revolut Business operates mainly in the European and British markets. If your company is American and you need a fully US account, Mercury is usually a better complement than Revolut.
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Frequently asked questions
Wise Business usually wins on multi-currency: local bank details in several currencies and conversion at the real rate. Revolut is better if you prioritise team management and employee cards.
Yes, and it is common. Many companies use Wise to receive international payments at the best exchange rate and Revolut for day-to-day operations and team spend control.
Wise works very well with Delaware LLCs and offers US account details. For a fully US account, Mercury is usually a better complement than Revolut.
Wise has no monthly fee: you pay as you go. Revolut Business has plans ranging from a free option to premium plans with more features, depending on your team’s needs.
Photo by Austin Distel on Unsplash
