These Are the Eight Best Revolut Alternative Apps in 2025 (and Runner Ups)

Revolut is one of the most popular digital finance apps, offering a sleek debit card linked to a strong multi-currency account. It also provides travel perks, savings tools, interest benefits, and a mobile app for budgeting and tracking spending.

Still, Revolut has some notable drawbacks. Depending on your nationality, you may not be able to access account details or receive direct deposits. You also can’t deposit cash, and certain limitations or missing features might make it less appealing for some users.

Luckily, there are many solid alternatives. In this guide, we’ll explore other apps like Revolut that offer similar features, each with their own pros and cons.

Why Look For Revolut Alternatives?

Revolut is an excellent personal finance app. Customers get a fully digital checking account number and a debit card, which can access holdings of up to 30 different currencies. Few apps like Revolut provide international customers with easy and direct access to such a wide range of features and benefits:

Perhaps most notably, Revolut's 'Standard' plan charges no monthly account maintenance fees, though there are paid accounts like Revolut Premium, Revolut Metal, and Revolut Ultra, which offer a wider array of features and benefits.

Despite Revolut's popularity, the platform doesn't cater to every financial need. For one, it is not a licensed bank in many countries, including the UK. Here are a few other ways that Revolut falls short:

• Doesn't offer account details to customers from many countries (even though Revolut Lite has recently been expanding rapidly to new countries),
• It charges a 2% fee for ATM withdrawals above $200,
• Weekend markups,
• No depositing of cash,
• Does not use the mid-market exchange rate of FX,
• Access to some services is restricted to 'Standard' account users.

If you're interested in any of these features or services, you may look for Revolut alternatives. If you're specifically interested in replacing Revolut for travel purposes, take a look at our guide on the best prepaid travel debit cards to learn more.

Below, we've ranked and reviewed eight of the best apps like Revolut, along with a few runner-ups worth considering:

Chime: Best in the U.S.

Chime® is probably the best-known mobile finance app in the United States, which is lauded for its well-rounded and easy-to-use services. Open to those with a social security number, Chime provides you with a checking account (the Chime Checking Account) and an optional savings account (the Chime High Yield Savings Account) that yields 0.75% Annual Percentage Yield (APY)³. Chime connects you to a network of over 47,000 ATMs for fee-free withdrawals and no international transaction fees — a great choice for travel abroad¹.

• Account: Chime Checking Account
• Monthly fee: $0¹
• Overdraft: Yes2
• Interest (APY on balance or savings): 0.75%³
• US Runner-Ups: Current, Juno
• More info: See our Chime review or visit their website.
• Availability:

Payoneer: Best For Business

Whether you use e-commerce platforms, Airbnb, or freelance platforms, Payoneer is a cross-border digital payments system that offers an excellent business account for SMEs and self-employed professionals. It is free to sign up for and is available for dozens of nationalities around the world.

Your business will have access to local bank accounts in nine countries (including USD, GBP, & EUR), meaning that you will be able to avoid costly international wires by withdrawing your revenue in local currency. Its integration with payment systems like Stripe and Amazon's check-out system will broaden your international market reach and save you money too.

• Account: Standard
• Monthly fee: $0
• Overdraft: No
• Interest (APY on balance or savings): 0%
• FDIC-insured: No (but partners with FDIC-insured US banks)
• Business Runner-Ups: WISE Business, Tide
• More info: See our Payoneer review or visit their website.

N26: Best in Europe

N26 is arguable the best online bank in all of Europe. Although N26 is currently opening accounts for German, Austrian, and Spanish citizens only in 2022, customers can begin making bank deposits as soon as they open an account on their smartphone. You will get a debit card shipped to your house, which gives you fee-free ATM withdrawals across Europe (international withdrawals cost 1.5%) and zero international card transaction fees. N26 gives you an IBAN and integrates with WISE to give you low-fee international money transfers. Its budgeting tools and savings pots are beloved by customers too.

• Account: Standard
• Monthly fee: $0
• Overdraft: Yes
• Interest (APY on balance or savings): varies by partner bank
• GDPS-insured: Yes
• EU Runner-Ups: Tomorrow, Bunq
• More info: See our N26 review or visit their website.
• Availability:

Yuh: Best in Switzerland

Swiss neobank Yuh is an excellent online account and card offering attractive fees. Backed by PostFinance and Swissquote, Yuh is a trustworthy spending platform that offers a simple and elegant digital banking solutions for Swiss residents (and for residents of EU countries neighbouring Switzerland).

• Account: Yuh
• Monthly fee: CHF 0
• Overdraft: No
• Interest (APY on balance or savings): 1.00%
• FINMA-insured: Yes, through Swissquote
• Swiss Runner-Ups: neon
• More info: See our Yuh review or visit their website.
• Availability:

Monese: Best For EU-UK Co-Residents

If you are a citizen in the European Economic Area looking for an easy-to-open UK account, then Monese may be for you. Without having to show proof of UK residency, Monese will give you a multi-currency account for GBP, EUR, Romanian leu, plus an EU IBAN and a UK sort code. The app also supports virtual cards and joint accounts for family members. Monese sets low limits on international spending allowances, so we recommend you use Monito's money transfer comparison engine to find better deals. But Monese makes up for it with its other diverse products, which include interest on your savings, purchase insurance, and an interest-free credit builder.

• Account: Starter
• Monthly fee: $0
• Overdraft: No
• Interest (APY on balance or savings): Varies by plan
• FSCS-insured: No (but your money is stored as e-money with PrePay Solutions, authorized by the FCA)
• UK Runner Ups: Monese, Monzo
• More info: See our Monese review or visit their website.
• Availability:

KOHO: Best in Canada

Koho is an all in one financial app used by over 2 million Canadians. They offer interest-earning accounts(from 2% on their free account up to 3.5% on their "everything" account) and a credit card providing 2% cash back on groceries (and up to 5% with selected partners).

They offer international money transfers with no exchange rate margin (and low fees), buil-in Credit Building, Rent Reporting, eSIM and travel insurance products.

The KOHO smartphone app tracks your spending and offers a RoundUp feature to move your spare change into your interest-bearing savings account. Koho offers overdraft protection at no interest, and their paid plans offer one free international ATM withdrawal per month.

• Essential Plan: $48 annually ($4 per month when you subscribe annually)
• Extra Plan: $144 annually ($12 per month when you subscribe annually)
• Everything Plan: $177 annually ($14.75 per month when you subscribe annually)
• Overdraft: Yes
• Interest (APY on balance or savings): 2-3.5% depending on the plan
• CDIC-insured: Yes
• More info: Visit their website.

Remitly: Best For Money Transfers

Revolut does offer low-cost international money transfers straight from their mobile app, which can be an excellent choice if you send less than $1,000 per month. Under this limit, you benefit from zero fixed fees. However, if you send more than $1,000 per month abroad to friends or family, then you may want to consider another service that charges very low fixed fees and strong exchange rates.

Monito's comparison engine searches for the best rates of international money transfer services in real-time and has found that Remitly consistently ranks as the best choice for transfers from the UK, the US, and the Eurozone. Use Monito's real-time comparison engine to stay up to date on the best rates.

• International Money Transfer Runner-Ups: WISE, CurrencyFair, Skrill
• More info: See our Remitly review or visit their website.

WISE: Best Multi-Currency Account

You might be familiar with WISE if you often need to send or receive money abroad. This UK-based fintech made its name by enabling cheap and fast international money transfers, bypassing traditional SWIFT transfers — which makes it a frequently featured player in Monito’s comparison engine! Aside from its money transfer product, WISE also offers a multi-currency account, which comes with a debit MasterCard. Its main feature is that it allows you to hold money in more than 50 currencies and gives you account details for 10 of them, including USD, EUR or GBP (though note that you will have to pay a small fee actually to exchange money).

You can compare WISE to Revolut directly with our WISE vs Revolut side-by-side comparison.

• Account: Multi-Currency Account
• Monthly fee: $0
• Overdraft: No
• Interest (APY on balance or savings): 0%
• FSCS-insured: No (but partners with FSCS-insured Barclays UK)
• More info: See our WISE Account review or visit their website.
• Availability:

Revolut Alternatives in the USA

As we have seen, Revolut is an all-encompassing app with a range of features including international money transfers, multi-currency accounts, travel insurance, airport lounge access, and a debit card. There are several alternatives in the USA that cater to your specific needs:

1. Remitly: Excellent for sending money abroad with no fees and competitive foreign exchange rates, which you can easily compare with Monito's app.
2. Western Union: Reliable option with competitive rates if sending money from the US.
3. Chime: Offers a checking account, over 47,000 ATMs for fee-free withdrawals, no international transaction fees, and no maintenance fees.
4. Current: Provides a credit builder feature as well, a debit card that earns points, and no-fee cash advances.
5. Airwallex: Specializes in multi-currency accounts for businesses, catering to international operations.
6. Dave: An innovative app focusing on cash advances for members, helping with your short-term financial needs.

Revolut Competitors in Europe

In the European market, neobank alternatives are plentiful and the industry is vibrant. Availability will vary by your region (EU, UK, Switzerland, etc).

1. N26: One of the most popular neobanks available across the EU and Switzerland, offering accounts with no monthly fees, a debit card, and fee-free ATM withdrawal allowances.
2. Zing: Based in the UK, it provides the best multi-currency account alternative for those needing to hold and manage multiple currencies.
3. Bunq: Available throughout the EU, it excels in joint accounts, offers competitive interest rates, and provides features optimized for travel spending.
4. Western Union: Among the best-priced options for sending money from EU countries, leveraging its extensive global network.
5. TransferGo: An excellent choice for sending money to EU countries, known for its competitive rates and fast transfers.

Disclaimers

¹ Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint ® or Visa® Plus Alliance ATM participating in the Allpoint network.

² Chime is a financial technology company, not a bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

³ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of 01/29/2026. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime Plus APY is available only while you maintain eligibility requirements for Chime Plus, otherwise the APY for non-Chime Plus members will apply. See Chime Plus Terms and Conditions for more details.

⁴ FICO: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

⁵ SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.

Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions.

⁶ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

⁷ Automatic savings: You can automatically transfer part of your direct deposits of $1 or more from your Checking Account into your selected Chime account(s).

⁸ Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.

⁹ MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank,
N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”).
Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

¹⁰ Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.