The verdict: Wise for cost, Revolut for speed.
On the headline measure that matters most — how much your recipient actually receives — Wise comes out ahead in our reference $1,000 USD → INR comparison, by ₹50 (0.06%). On larger transfers the gap widens proportionally, so the right choice for someone sending $200 a month and someone sending $20,000 once a quarter can be different — always compare for your specific amount.
Revolut. Revolut is more than a transfer tool — it's a multi-currency account that lets users hold and exchange 30+ currencies at near-mid-market rates. Transfers between two Revolut accounts are instant and free. Sending to a non-Revolut bank account is competitive on weekdays but adds a 0.5–1% surcharge on weekends when interbank markets close. Read the full Revolut review →
Wise. Wise (formerly TransferWise) is the gold standard for transparency in international transfers. It uses the real mid-market exchange rate and charges a small, visible fee instead of marking up the rate. Best for senders who want to know exactly what's being charged and value low total cost over speed gimmicks. Read the full Wise review →