How to Transfer Money From Revolut to Wise (and Back)

Yes, you can transfer money from Revolut to Wise, and the cheapest way is usually a plain bank transfer in the same currency. Copy your Wise account details for that currency (an IBAN for euros, an account number and sort code for pounds), add them in Revolut as a new bank recipient, and send. Wise lists receiving domestic, non-Swift payments as free in nine currencies, including EUR, GBP and USD, so the cost is whatever Revolut charges for the payment, which Revolut shows before you confirm. The thing to avoid is converting twice: decide which of the two apps does the currency exchange, and send the money in the currency you already hold. The same logic works in reverse, from Wise to Revolut.

Why Move Money Between Revolut and Wise at All?

Plenty of people hold both. A common setup is Revolut as the everyday spending app and Wise for receiving foreign income or sending larger international payments. Moving money between them comes up when:

• you are paid into Wise in one currency and want to spend it from Revolut,
• you want Wise's conversion pricing for a large exchange and then move the result back,
• you are closing one of the two accounts, or
• a recipient only accepts payments from one of them.

The two are separate companies with separate accounts, so a transfer between them is an ordinary payment from one account to another — there is no special link between the apps. Our Wise vs Revolut comparison explains where each one is cheaper.

Method 1: Bank Transfer to Your Wise Account Details (Usually Cheapest)

This is the method to use for most transfers.

1. In Wise, open the balance for the currency you are sending and copy its account details. Wise lists "getting account details to receive in 22 currencies" as free for personal accounts (Wise pricing, read 7 November 2026).
2. In Revolut, go to Payments, tap the plus or New, and choose a bank recipient. Enter the Wise details exactly as Wise shows them, with your own name as the account holder.
3. Choose the same currency on both sides. Send euros from your Revolut EUR balance to your Wise EUR details, pounds to pounds, and so on.
4. Check the fee Revolut shows, confirm, and keep the reference.

Those steps match the ones Wise publishes in its own Revolut guide for Ireland, which also notes that when the payment is set up as a local transfer there is "no Wise fee to receive money" (Wise guide; Wise lists its sources for that guide as last checked in April 2025). Wise's current pricing page agrees on the receiving side: domestic, non-Swift payments are free to receive in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD and USD.

Method 2: Send to Your Wise Card

Revolut also lets you pay a card recipient. Wise's guide describes choosing "Card recipient" in Revolut and entering the 16-digit Wise card number. This can be convenient, but card-based transfers are where fees tend to appear, so compare the total Revolut quotes for a card transfer with the total for a bank transfer before you choose it. For most amounts, Method 1 is the safer default.

Method 3: Top Up Wise With Your Revolut Card

The third route starts in Wise: tap Add money, choose debit card as the payment method and pay with your Revolut card. Wise says it "charges a small, variable fee for some top up methods" and shows it in the app before you confirm. Revolut may treat the payment as a card transaction on its side. This is the fastest-feeling option, but usually not the cheapest, so use it when speed matters more than the last few euros.

The Mistake That Costs the Most: Converting Twice

Suppose you hold euros in Revolut and want pounds in Wise. You can convert in Revolut and send pounds, or send euros and convert in Wise. Either can make sense. What wastes money is doing both — converting euros to pounds in Revolut, then sending to a Wise euro balance and converting back.

Pick one place to convert:

Wise's pricing page lists conversion as "from 0.24%", varying by currency, at the mid-market rate. Revolut's free UK Standard plan carried a £1,000-a-month exchange allowance before a 1% fair usage fee when we last read Revolut's fee page on 30 September 2026; check the current limit for your plan in the Revolut app, because it differs by plan and country.

How to Move Money From Wise to Revolut

The reverse works the same way. In Revolut, open the balance in the currency you want to receive and copy its account details. In Wise, send money to a new recipient using those details, in the same currency. Wise's own pricing for sending says the fee is "worked out as a percentage of the amount you're sending" plus "a small, upfront fee", and that "you'll see how much each payment method or type of transfer costs when you set up your transfer" (Wise send-money pricing, read 7 November 2026). Note that free same-currency sending on Wise applies to transfers between Wise accounts; a payment out to a Revolut account is an ordinary send with a fee shown on the quote.

How Long Does It Take?

Wise's Revolut guide describes the transfer time as "usually instant or within 30 minutes" for a local transfer. Treat that as typical rather than guaranteed. A first payment to a new recipient, a large amount, or a payment sent outside banking hours can take longer, and either provider can hold a payment for a security check. If money has not arrived, check the payment status in the sending app first; our guide to why international transfers take so long explains the usual causes.

Avoid Paying Swift Fees by Accident

If you send to a Wise account using Swift details instead of local details, receiving fees apply. Wise lists 6.11 USD per USD wire or Swift payment, 2.16 GBP per GBP Swift payment and 2.39 EUR per EUR Swift payment received (Wise pricing, read 7 November 2026). Revolut may also charge more for an international payment than a local one. If Revolut asks you for a SWIFT/BIC code, check whether you have selected local account details in Wise; a euro payment to a Wise IBAN within the SEPA area should not need Swift. Our explainer on why international transfers arrive short covers how intermediary fees eat into a payment.

Is It Safe to Move Money Between Them?

Moving money between two accounts in your own name is routine. Two points are worth knowing:

• Neither app protects a Wise balance with a deposit guarantee. Wise says it "safeguards your money and will never lend it out" and that customer money is held separately from its own (Wise safety page). That is safeguarding, not a deposit-guarantee scheme, so do not leave your emergency fund in an e-money balance. Revolut's protection depends on which Revolut entity holds your account; our neobank safety guide explains how to check.
• Only send to details you copied yourself. Scammers commonly ask people to "move money to a safe account" at a second provider. If anyone else gave you the account details, stop. Our list of cross-border scams to avoid covers this pattern.

Revolut to Wise in Specific Currencies

• Euros: use your Wise EUR IBAN and send as a SEPA payment from Revolut's EUR balance.
• Pounds: use your Wise GBP account number and sort code and send as a UK bank transfer from Revolut's GBP balance.
• US dollars: use your Wise USD account details for a domestic US payment rather than a wire; Wise lists domestic (non-wire) USD payments as free to receive. Receiving a USD wire or Swift payment costs 6.11 USD on Wise's current pricing, so choose the domestic details where Revolut allows it.
• Other currencies: check that Wise offers account details in that currency (22 are listed) before sending; if it does not, convert in one app first and send a currency both support.

Frequently Asked Questions

Can you transfer money from Revolut to Wise?

Yes. Add your Wise account details as a bank recipient in Revolut and send in the same currency. Wise lists receiving domestic, non-Swift payments as free in nine major currencies.

Is it free to send money from Revolut to Wise?

Wise does not charge to receive a domestic payment in those nine currencies. Whether the transfer is free overall depends on what Revolut charges for that payment on your plan, which Revolut shows before you confirm.

How long does a Revolut to Wise transfer take?

Wise's own guide says local transfers are usually instant or arrive within 30 minutes. First payments and security checks can take longer.

Can I send money from Wise to Revolut?

Yes. Copy your Revolut account details for the currency and add them as a recipient in Wise. Wise shows the fee on the quote before you send.

Is Revolut the same as Wise?

No. They are separate companies with separate accounts, apps and pricing. See our Wise vs Revolut comparison for how they differ.

Should I convert currency in Revolut or Wise?

Convert in only one of them. Compare the two quotes for your amount; Wise charges per conversion from 0.24%, while Revolut's cost depends on your plan's monthly allowance.

This is general information, not financial advice. Fees, limits and transfer times change and differ by country and plan; check both providers' current terms in their apps before you send.