Top 5 Revolut Alternatives in 2025 (Who We Recommend & Why)
Wondering about Revolut alternatives in 2025? You’re not alone—thousands of business owners, freelancers, and finance teams are evaluating fresh options to handle global payments, multi-currency accounts, and cost-effective transfers. If you’re new to this space and want foundational insights, head over to our comparison of online vs. traditional banking to get started with the basics.
Why People Are Looking for Revolut Alternatives in 2025
As digital banking matures, several factors push users to explore different platforms:
Complex fee structures: Many individuals and companies are sensitive to hidden fees and weekend surcharges.
Expanded services: Businesses often need more advanced features like automated expense tracking or mass payouts.
Regional coverage: Some platforms focus on specific regions, leaving users in other areas underserved.
Specialized solutions: From stablecoin integration to deeper multi-currency support, some providers emphasize features that Revolut doesn’t prioritize.
One advantage is that more options mean more competition, which tends to drive fees downward and services upward. If you’re specifically looking to move funds across borders without overpaying, check out our guide on cheap ways to send money internationally. It offers insights on cost-savvy transfers for both personal and business use.
What to Look for in a Digital Banking Alternative
Before diving into the top contenders, keep in mind the core factors that often make or break the experience:
Multi-currency capabilities: If you transact in multiple regions, you’ll want real-time exchange rates and local account details.
Transparent fees: Platforms with “open-book” pricing make it easier to budget across domestic or international payments.
Business-friendly features: Look for batch payments, employee cards, and expense tracking if you manage a team.
Regulatory compliance: Ensure your provider is licensed in the regions where you do business.
Customer support: Reliable, round-the-clock help can be vital for critical payments.
If you need a broader look at how different platforms stack up against widely known players, explore our Top Wise Alternatives for Businesses (Compare Features & Fees). It covers features, schedules, and overall costs that matter to businesses of all sizes.
1) Mural Pay
Meet Mural Pay—our first pick among Revolut alternatives in 2025. Unlike many providers oriented toward personal banking, Mural Pay stands out as a business-first global payments platform. Here’s why:
Batch payments: Send payouts to contractors or suppliers in a single action—particularly helpful if you have large-scale vendor engagements.
Multi-currency approach: Handle 40+ currencies with real-time rate checks, preventing unwanted FX markups.
Stablecoin on/off-ramps: Ideal for those exploring crypto-based transactions in regions like LATAM.
Focused compliance: Mural Pay’s emphasis on thorough Know Your Customer (KYC) and Know Your Business (KYB) processes caters to corporate-level requirements.
In comparing Mural Pay to the other providers on this list, one advantage is the emphasis on speed and business-centric additions—like the ability to unify invoicing, bill pay, and currency conversion all in one place. Mural Pay typically serves businesses that want a broader tool kit than Revolut’s consumer-first model.
2) Wise
Wise (formerly TransferWise) continues to be a robust choice for those seeking straightforward currency conversions. In the fiscal year 2023, Wise reported a 51% jump in total income, climbing to £846.1 million, with £104 billion of cross-border transactions processed.¹ Here’s where it stands out:
Mid-market rates: Often favored by individuals or small businesses for transparent FX fees.
Global coverage: Wise offers local receiving accounts in multiple currencies, which can help freelancers or small enterprises.
Ease-of-use: A user-friendly interface, plus simple sign-up steps.
In contrast to Mural Pay, Wise’s business features are more streamlined. It does support batch payments and integration with accounting software, but Mural Pay’s stablecoin on/off-ramp solutions and more advanced invoicing could be a better match for heavier corporate workflows.
3) N26
N26 remains a top neobank in Europe and beyond, boasting a user base that reached 8 million in 2023.² Here’s why some consider it superior to Revolut:
European focus: N26 has local European banking licenses—a plus for Eurozone businesses.
Clean interface: The mobile app is well-designed and easy to navigate for day-to-day transactions.
Cloud-based operations: Rapid updates and fresh features often roll out seamlessly across EU markets.
Compared to Starling Bank (another European heavyweight), N26 leans more toward personal usage and freelancers, whereas Starling also targets small- to medium-sized businesses with more advanced budgeting and overdraft options. If you’re hungry for multi-currency insights specifically, see our explainer on What Is a Multi-Currency Account? Everything You Should Know to get clearer on how these solutions can simplify cross-border finances.
4) Starling Bank
UK-based Starling Bank is known for advanced business banking capabilities and responsive customer support. In 2023, Starling Bank reported a 43% revenue hike to £565 million, with deposits rising 17% to £10.7 billion.³ Here’s a quick look:
Business-friendly: Invoicing features, integration with accounting software, and multiple user permissions for small teams.
Euro account availability: Convenient for UK-based businesses dealing heavily in European markets.
Local approach: Strong consumer protections, given Starling is a fully regulated UK bank.
In comparing Starling and N26, Starling Bank generally suits companies that want more robust support, especially in the UK, while N26 might be a smoother pick for those predominantly in mainland Europe. Both differentiate themselves from Revolut by offering deeper local-banking tools and local deposit protection schemes.
5) Chime
Chime is a US-based fintech that’s popular among freelancers and everyday savers. While it began focusing on personal accounts with no monthly fees or overdraft charges (up to set limits), Chime has quickly evolved to offer:
Round-up savings: Purchases are rounded up so you can save passively.
Early direct deposit: Payroll checks can hit your account up to two days earlier than traditional banks.
Simple interface: The app organizes your finances neatly for US-based transactions.
Chime doesn’t have Europe-wide expansions or advanced business features like Mural Pay. However, some US solopreneurs who only need a low-fee environment appreciate Chime’s quick onboarding. For deeper global payment requirements, Mural Pay might be more versatile.
Additional Considerations in Choosing the Right Alternative
Picking any of these five platforms depends heavily on your priorities:
Geographic coverage: If you operate primarily in Europe, solutions like N26 and Starling Bank might dominate. For broader coverage, Mural Pay or Wise can handle a large number of corridors.
Fee structure: Transparent providers help you avoid surprise deductions. Examine both the upfront transfer fee and the exchange rate markup.
Payment features: Batch payments, card issuance, and invoicing tools become critical if you’re scaling a business or regularly paying remote teams.
Integration: Check whether the platform syncs with your invoicing or accounting software to minimize manual admin tasks.
If smooth international incoming payments are high on your priority list, you might be interested in other strategies as well. Our Best Ways to Receive Money from Abroad (Update) dives further into global receiving methods, digital wallets, and bank deposit tips.
Final Insights
Deciding on the best Revolut alternative in 2025 hinges on how you—whether as a business owner, freelancer, or corporate finance manager—plan to handle cross-border transactions. Mural Pay excels when you need a global payments partner with powerful business features, while platforms like Wise, N26, Starling Bank, and Chime each cater to different specialties. Keep in mind that each service evolves continually, so re-check their latest fees, coverage, and compliance details before committing.
References
Wise. (2023). Fiscal Year 2023 Report.
N26. (2023). Press Releases & Company Reports.
Starling Bank. (2023). Annual Report & Financial Statements.
