Wise Business vs Revolut Business for freelance developers

Both Wise Business and Revolut Business serve the freelance-developer market but they optimise for different things. Picking the right one matters at scale. ## Wise Business Multi-currency local accounts (USD ACH, EUR IBAN, GBP local, etc.). Mid-market FX. No monthly fee. Better international receivability. Limited cards (debit only, no credit). Light feature set beyond payments. ## Revolut Business EU-focused with strong feature set: invoicing, expenses, accounting integrations, virtual cards. Monthly fee tiered by plan (free tier limited). Some FX markup beyond a monthly free volume. Strong for EU-based freelancers running near-business operations. ## Direct comparison | Factor | Wise Business | Revolut Business | |---|---|---| | Monthly fee | None | 0 to 99 EUR/mo by plan | | Local routing currencies | 9+ | 5+ | | FX on conversion | Mid-market + small fee | Free up to monthly limit, then markup | | Invoicing | Basic | Full feature | | Virtual cards | Limited | Strong | | Accounting integrations | Few | Many (Xero, QB, etc.) | | Best for | International receivability | EU-based operations | ## Which to pick If you mostly receive international payments and convert: Wise. If you run a small one-person operation with invoicing, expense tracking, virtual cards: Revolut. Many freelancers run both. ## What to avoid Putting all volume through one account if cross-border. The redundancy is worth a tiny monthly fee. Keeping all balance in either at large scale (open a real bank account once you cross 50k USD annual revenue).