Source: https://rivet.global/blog/wise-business-vs-revolut-business
Published: 2026-06-12 · Updated: 2026-11-04 · By Alexia M.

# Wise Business vs Revolut Business for US companies

Wise Business vs Revolut Business in the US: setup and plan fees, FX pricing, transfers and team features, from each provider's own US pages.

## Key takeaways

- Wise Business US charges a one-time $31 setup fee, no monthly fee, and conversion from 0.23% depending on the currency.
- Revolut Business US plans run from $10 to $140 a month with $1,000 to $80,000 of interbank FX each month, then 0.6% (1% outside market hours).
- Wise gives local account details in 22 currencies; Revolut includes a number of free local and international transfers per plan.
- Below a few thousand dollars of conversion a month, Wise is usually cheaper; with steady volume inside an allowance, Revolut can be.

Wise and Revolut are the two names people compare before almost any other. On Google, "wise business vs revolut business" sits beside "wise business vs mercury". The two companies price FX in different ways, and that is the whole comparison. Wise figures were read on 4 November 2026; Revolut's US plans on 1 November 2026.

## How they charge

| | Wise Business (US) | Revolut Business (US) |
|---|---|---|
| To open | $31 one-time | Free |
| Monthly | None | Basic from $10, Grow from $40, Scale from $140 |
| FX | From 0.23%, by currency | Interbank up to $1,000 / $20,000 / $80,000 a month, then 0.6% |
| Currencies with details | 22 | Several, by plan |
| Receive a USD wire | $6.11 | See plan |

## Run your own month

1. $4,000 converted a month: Wise at 0.23% to about 0.6% costs roughly $9 to $24. Revolut Basic's allowance covers $1,000; the rest at 0.6% is $18, plus the $10 plan. Similar, with Wise slightly ahead.
2. $20,000 a month: Wise costs roughly $46 to $120 depending on currency. Revolut Grow covers it for $40. Revolut ahead.
3. $120,000 a month: Wise costs roughly $276 and up. Revolut Scale covers $80,000; $40,000 at 0.6% is $240, plus $140. Close, and it depends on the pairs you convert.

## Beyond price

Revolut's app has more team tools: expense approvals, more card controls, and integrations. Wise is simpler and its account details in 22 currencies help when customers in many countries pay you locally.

## A common gap

Both are reviewed and approved per country, and founders of US LLCs who live abroad sometimes find one says yes and the other no. Have your documents ready before you apply.

## Paying into the United States: the local rail

| What | Detail |
|---|---|
| Local rail | ACH for batch payments; RTP and FedNow for instant transfers |
| Run by | Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow |
| Settlement | Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part |

Source: [Nacha: Same Day ACH](https://www.nacha.org/rules/same-day-ach-moving-payments-faster). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Rivet's pricing is flat: Starter free with USD details and FX from 0.80%, Growth $200 with EUR and GBP details, 120+ payout countries and FX from 0.50%, Scale $500 with 25 more currencies and FX from 0.30%. There is no allowance to manage, and the rate shows before you confirm. Rivet is not a bank; regulated partner institutions hold the funds. See [mid-market rate and FX markup](/blog/mid-market-rate-and-fx-markup).

## Questions

### Which is cheaper, Wise or Revolut Business?

For a company converting $5,000 a month, Wise's per-conversion fee is usually smaller than a Revolut plan fee. For $20,000 a month converted evenly, Revolut Grow's allowance covers it for a plan fee from $40. Run your own volumes through both.

### Does Wise Business have a monthly fee?

Not in the US. Wise lists a one-time 31 USD fee that covers all business features.

### What does Revolut charge outside its allowance?

0.6% per conversion above the monthly allowance, and 1% outside market hours, per Revolut's US plans page.

### Which is better for a team?

Revolut has more built-in team tools, such as expense approvals and more card controls. Wise keeps team features simpler.