Revolut vs Wise
Business model, scale, and a side-by-side Litmus framework score — which model wins, and for whom.
Wise is the FX-transfer specialist with the most transparent rates; Revolut is the broader super app that does far more than transfers.
At a glance
| Metric | Revolut | Wise |
|---|---|---|
| Revenue | $6.0B (2025, +46%) | £1.36B underlying income (FY25) |
| Profit | $2.3B pre-tax (£1.7B, +57%) | £282M underlying PBT (FY25) |
| Active users | 68.3M retail + 767K business | 10.9M active customers (Q3 FY26) |
| Employees | 13,000+ | 6,000+ |
| Founded | 2015 | 2011 |
| HQ | London, UK | London, UK |
LLitmus Framework Score
Overall: Revolut 89 · Wise 90
Customer Segment
94
92
Value Proposition
92
95
Marketing Channel
88
90
Engagement
90
85
Income Source
91
94
Asset Validation
93
91
Core Operations
85
88
Strategic Alliance
82
85
Expense Validation
87
93
Revolut leads 3 modules, Wise leads 6. Overall edge: Wise.
Head to head
| Dimension | Revolut | Wise |
|---|---|---|
| Core focus | Super app (banking, FX, invest, crypto) | Cross-border money transfer |
| FX pricing | Interbank rate, small/zero fee by tier | Mid-market rate + transparent fee |
| Customers | 68.3M retail + 767K business | ~12.8M active |
| Revenue | $6.0B (2025) | ~£1.4B+ (FY) |
FAQ
Is Revolut or Wise a better business?
Wise is the FX-transfer specialist with the most transparent rates; Revolut is the broader super app that does far more than transfers. It depends on what you optimise for — see the module-by-module breakdown above.
What is the difference between Revolut and Wise's business model?
Revolut operates in Fintech (One app, all things money), while Wise is Fintech (Money without borders). Their revenue, scale and Litmus scores are compared in detail above.
Which is more profitable, Revolut or Wise?
Revolut: $2.3B pre-tax (£1.7B, +57%). Wise: £282M underlying PBT (FY25).