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Revolut vs Wise (and YouTrip): which travel card should you get?
Revolut and Wise are the two big names for spending overseas without bank fees, and YouTrip is the simple alternative. They overlap a lot, but each is best at something different. Fees change, so check each one’s current pricing before a trip.
Side by side
| Revolut | Wise | YouTrip | |
|---|---|---|---|
| What it is | A money app with a multi-currency account and card, with extra features on paid plans | A multi-currency account and card built around international transfers | A prepaid multi-currency card for spending |
| Exchange rate | Fee-free exchange up to a monthly limit on the free plan, with extra fees on weekends | The mid-market rate plus a small conversion fee shown upfront | In-app exchange at the rate shown before you convert |
| Best for | People who want lots of features in one app | Sending money overseas | Simple spending on holiday |
| Sign-up bonus | Referral offers come and go | Referral offers come and go | $10 for a one-cent top-up |
Which one to pick
- Sending money overseas often? Wise.
- Want one app for everything, including budgeting and savings pots? Revolut.
- Just want a card for your holiday, set up in ten minutes? YouTrip, and it pays you $10 to try it.
YouTrip · $10 sign-up bonus
YouTrip is a multi-currency card for spending in Australia and overseas. New customers who sign up through a referral link and top up one cent receive a $10 bonus.
Travel card questions
Is Revolut or Wise better for travel?
Both work well for spending overseas. Wise is usually better if you also send money abroad. Revolut suits people who want budgeting tools and other features. Check each one’s current fees for where you’re going.
Can I have both?
Yes. Plenty of travellers carry two cards in case one doesn’t work somewhere.
Where does YouTrip fit in?
YouTrip is the simplest of the three: a prepaid card you top up and spend. It’s also the only one paying a fixed sign-up bonus right now.
Are they safe?
All three are widely used, but none of them is a bank account covered by the government deposit guarantee. It’s sensible to keep only what you need on them.
More sign-up bonuses
Banks, crypto exchanges and share trading apps pay new customers too. See them all.
Referral Revenue may receive a commission from the provider when you sign up through the links on this site. This does not reduce your bonus. This is general information only and not financial advice. Offer terms and amounts can change at any time, so check the provider's current terms before depositing. Cryptocurrency and share trading carry risk.