Best Revolut Alternative

One of the most prominent downsides of using Revolut is its rather limited availability. So, let me introduce you to Ogvio, a neobank app that offers a solution to that problem. The soon-to-be-launched platform will be available in more than 160 countries, including the US and most of the EU.

At launch, Ogvio will work seamlessly with thousands of banks, fintech services, and wallets worldwide. These include popular brands like Visa, Mastercard, Google Pay, and Apple Pay. This makes it easier for you to perform cross-border payments no matter where you are.

Ogvio is designed to be as intuitive as possible. You don’t have to be tech-savvy to use the app, since it is as easy as navigating your favorite social media platform. Ogvio implements the @Tag feature to simplify transferring money to other users.

This basically works like DMing your friends on social media, just use their username and that's it! No need to enter long numbers or complicated code.

One of its biggest strengths is its low and transparent fees. There is no need to worry about any hidden costs when making a payment, since Ogvio will give you all the details before you finalize your transactions. What's better is that you can transfer money with no fees between Ogvio users!

I think this is a massive win for freelancers and people working abroad. With Ogvio, you can always get your payment on time and avoid potential FX loss when sending money to your family and friends.

Security-wise, the platform will implement advanced 256-bit AES encryption, biometric security, and other industry-standard safety measures to protect your data, and of course, your funds.

Last but not least, Ogvio will also focus on high-speed transfers. You won’t need to wait for days for your payments to be completed since most of them will be done in seconds.

So, if you’re looking for simplicity, speed, and global support, I highly recommend checking out Ogvio when it launches.

Key Features

I’m sure you’re curious about what else Ogvio has to offer that makes it a good Revolut alternative. Well, let me show you some of its key features:

• Low Fees. Ogvio keeps costs down with some of the lowest fees for payments. In some cases, you'll even enjoy 0% transaction fees.
• Light KYC. Ogvio implements a light KYC verification process for some providers and countries up to a certain limit. This is often without any document upload or face scan involved.

• Inflation Hedge. In Ogvio, users will hold money in USD and EUR. This is a great way to “freeze” the value of your money and avoid local inflation.
• Top-up via Onramps. You fund your Ogvio account using various popular payment methods, including credit/debit cards, Apple/Google Pay, bank transfers, and many more.

In summary, I think Ogvio will be one of the best alternatives to Revolut, especially if you’re looking for something fresh. If you're interested, make sure to check it out when it launches!

There is a high chance that you’ve already heard of Wise. After all, it is one of the most popular alternatives to Revolut. With millions of users globally, moving around $10 billion each month within the platform, it is safe to say that Wise is a reputable option.

At the time of writing, Wise supports around 40 currencies, including USD, AUD, EUR, and PHP. You can also send money to more than 160 countries, which makes it a good option for those who do cross-border payments regularly.

Security-wise, the app is also pretty reliable. It offers essential security features, including two-factor authentication (2FA), biometric protection, and auto log-out. Wise also offers support from thousands of fraud specialists who check for any suspicious transactions on the platform.

Wise is available via web browser and as a mobile app, so it’s easy to access your money anytime and anywhere you want.

Key Features

What makes Wise one of the best Revolut alternatives? Let’s take a look at some of its key features:

• Transparent Fees. Wise uses the mid-market exchange rate (the rate between banks) for currency conversions. There are no hidden markups in the rate, so the total cost tends to be more predictable and lower for many international transfers.
• Multi-Currency Holding. Wise lets you hold balances in many regions, so you can store money in different currencies. You also get local bank details (“local accounts”) in several major currencies.

• No Monthly Fees. Wise does not charge a monthly subscription or tier just to use its basic multi-currency account.
• Wise Multi-Currency Card. Much like Revolut, Wise also offers its own debit card. It's designed for global use, allowing you to pay and withdraw cash worldwide with low, transparent fees.

While Wise doesn’t currently offer any crypto-related service, I still think it is one of the best alternatives to Revolut due to its wider support and features offered.

At this point, I doubt anyone hasn't heard of PayPal. It has been around since 1998 and has become the household name for online payments and money transfers, especially for secure e-commerce transactions and sending money internationally.

Currently, PayPal is available in more than 200 countries worldwide and supports 25 different currencies. What’s better is that it gives you flexibility when it comes to managing multiple currencies in your account.

You can manage the currencies in your PayPal Wallet to add new ones, change your primary currency, or close a currency balance.

So, what makes it a good Revolut alternative? The answer lies in its security measures. Unlike Revolut, PayPal implements a strong buyer/seller protection program. This includes refunds for non-delivery or protection against unauthorized transactions.

However, PayPal is notorious for its expensive and non-transparent currency conversion fees, and this is its biggest flaw compared to Revolut. While Revolut offers the real interbank exchange rate for most transactions, PayPal adds a substantial 3% to 4% markup to the rate.

This makes every international transaction significantly more expensive than the transparent, low-cost exchanges provided by Revolut.

Key Features

Now, let’s take a look at some of PayPal’s key features that make it a strong contender for the best alternatives to Revolut:

• Universal Checkout. PayPal is an accepted payment method on millions of e-commerce websites worldwide, from major retailers to small eBay sellers and independent sites.
• Simple P2P. PayPal offers the default and simplest way to send money to someone globally, regardless of whether they have a bank account linked. They just need an email address.

• Deep Integrations. PayPal has built-in payment gateway integrations (like buttons, carts, and checkout flows) for nearly every e-commerce platform (Shopify, WooCommerce, etc.), making it one of the best Revolut business alternatives.
• Free Standard Account. PayPal offers a free Standard account with no monthly fees for all its core services, like online purchasing and basic peer-to-peer transfers.

All in all, PayPal is a solid option for those seeking flexibility and broader merchant support. But, if you’re concerned about its expensive and non-transparent fee structure for international transactions, PayPal might not be for you.

If you're based in the US, you might want something that focuses more on local support and features. That’s where Chime, chimes in. It is one of the most popular financial technology (fintech) companies in the US, providing a mobile-first, largely fee-free banking experience.

Much like Revolut, Chime is not a bank. However, it offers all its services by partnering with FDIC-insured banks, like The Bancorp Bank, N.A., and Stride Bank, N.A.. Because of these partnerships, your deposits are held at a partner bank and are FDIC-insured up to the standard limit of $250,000, just like a traditional bank.

In addition to that, Chime provides access to a much larger domestic network of 47,000+ fee-free ATMs across the US at major retailers (Walgreens, 7-Eleven, etc.), which is critical for easy, everyday cash access.

But of course, Chime is not suitable for any international transaction, and it doesn’t offer any integrated investment, stock, or crypto trading platform.

Key Features

Curious about what Chime has to offer? I’ve compiled some of its key features that make it one of the best Revolut alternatives:

• Get Paid Early. If you set up a direct deposit on Chime, you can often get access to your paycheck up to two days sooner than you would with a traditional bank.
• MyPay. Chime allows eligible members to access a portion of their earned pay (up to $500) before their official payday, with no interest or mandatory fees.

• Chime Credit Builder Visa Card. Chime offers a secured credit card designed to help you build credit history without interest or an annual fee, and there is no credit check to apply. It helps by reporting on-time payments to major credit bureaus.
• SpotMe (Fee-Free Overdraft). Chime's SpotMe feature offers eligible members up to a certain limit ($200 as of writing) in fee-free overdraft protection.

Simply put, Chime is a solid option for US users who look for simplicity, domestic use, and core US banking needs.

N26 is a solid Revolut alternative, especially if you live in the EU. With more than 8 million users as of 2025, it has become one of the most popular mobile banking solutions in the region. Currently, it operates in 24 markets worldwide.

What makes N26 interesting is that it is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (BaFin).

The platform also offers robust security measures, including 3D Secure, Mastercard Identity Check, and fingerprint and face recognition. These will help protect your transactions and minimize the risk of any bad actor getting access to your money.

Furthermore, while Revolut can sometimes feel a bit feature-bloated, the N26 app definitely looks more streamlined and clean due to its focus on core banking functions.

Looking at another perspective, though, this can be a downside of N26 since it offers fewer features than Revolut. Additionally, it focuses mainly on EUR, so it’s not the best Revolut alternative in the USA or any other regions outside of the EU.

Key Features

So, what makes N26 a good alternative to Revolut? Let’s take a look at some of its key features:

• Investment Options. N26 lets you trade stocks, ETFs, and more than 400 cryptocurrencies. This makes it more than just a banking app.
• MoneyBeam. N26 offers an instant transfer feature that allows you to send or receive money to and from other N26 users using just their phone number or email.

• Mobile Wallet Support. The platform integrates with services like Apple Pay and Google Pay for convenient mobile payments.
• Travel Benefits. Users can benefit from getting cashback on travel, the best exchange rates, airport lounge access, free ATM withdrawals abroad, and many more.

To put it simply, if you live in the EU and want something more tailored to your local needs, I think N26 is worth considering.

If you’re looking for Revolut Business alternatives, one option I recommend is Airwallex. At the time of writing, the platform claims to serve around 150,000 companies around the world with more than $200B global payments processed annually.

One thing that makes Airwallex different from Revolut Business is that it is also a payment gateway. This means the platform lets your business accept customer payments online (e-commerce, in-app, payment links) from more than 160 payment methods.

Another Airwallex’s strong point is its deeper local banking infrastructure in more countries. According to its official website, you can accept payments from more than 180 countries and use local rails in over 120 regions, which is often faster and cheaper.

Looking at what it has to offer, I think Airwallex is a great Revolut Business alternative if you have a high-growth, global business with complex payment needs. But if you prefer a simpler interface, then Revolut Business is still a better option.

Key Features

Still not sure if Airwallex is a good Revolut alternative for your business? Take a look at some of its key features:

• Global Accounts. You can instantly open accounts with local bank details (like US routing numbers, European IBANs, UK Sort Codes) in over 20 currencies and collect funds from 60+ countries.
• High-Speed Transfers. Airwallex offers fast, low-cost international transfers to over 200 countries, with a high percentage of transfers settling the same day via their local payment network infrastructure.

• Competitive FX Rates. Airwallex provides transparent FX rates that are close to the interbank rate (mid-market rate) with a small, clear markup, often resulting in lower overall conversion costs compared to traditional banks.
• Automated Expense Workflow. With Airwallex, employees can capture receipts and submit expenses via a mobile app, which is automatically tracked and reconciled in real-time, integrating with accounting software like Xero and QuickBooks.

So, if you don’t think Revolut can give you enough features to support your growing business, Airwallex is worth considering.

Stripe is a decent alternative to Revolut, especially for businesses. This platform is built primarily to let businesses accept payments online and in person using payment processing software and application programming interfaces (APIs).

At its core, Stripe handles the secure transfer of funds between a customer's bank/card and a business's bank account, making it simple for both customers and businesses to make transactions globally.

In addition to its payment processing features, Stripe also offers a comprehensive, unified suite of tools for businesses to manage their finance. This includes revenue management, fraud prevention, financing, and business incorporation features.

At the time of writing, it supports transactions in over 135 currencies and provides tools for businesses to expand internationally seamlessly, including handling local payment methods and compliance.

Key Features

If you’re interested in using Stripe as a Revolut alternative for your business, make sure to check out these key features to help you make a more educated decision:

• Revenue Management & Automation. Stripe provides features for handling subscriptions (Stripe Billing), creating and managing invoices (Stripe Invoicing), and building platforms that route payments to multiple sellers (Stripe Connect).
• Payment Links. With Stripe, you can generate a “no-code” payment page via a simple link. It's a quick and easy way to accept payments for one-time purchases, subscriptions, or invoices without a website.

• Broad Payment Method Support. Stripe allows businesses to accept a huge variety of payment methods, including major credit/debit cards, digital wallets like Apple Pay and Google Pay, as well as various local payment methods.
• Robust Security Features. Stripe provides a set of security features, such as Stripe Radar, which is a built-in, machine-learning-based fraud detection system. It analyzes transactions and blocks fraudulent payments.

That being said, Stripe might not be the best option for those looking for something for small to medium-sized businesses or those with less technical expertise.