Revolut vs Wise 2026: Which is the Best Travel Card (With Real Numbers)

We compare the most popular travel cards on the market so you know exactly which one suits you — with real fees, real limits and real use cases

Revolut Standard

For most travellers, Revolut Standard (free) is the best starting point. No monthly fee, real exchange rate on weekdays, and an app that tells you exactly where every euro went — it's what your bank should do and doesn't. The €1,000/month limit is sufficient for 90% of leisure trips.

Revolut Premium / Metal

If you travel more than 4 times per year, the Premium plan at €9.99/month pays for itself quickly: the included travel insurance is worth easily €5–8/trip separately, plus unlimited weekend commission-free exchange and ATMs up to €400/month. Metal is only worth it if you use the VIP lounges or value the physical card as an object.

Wise (antes TransferWise)

Wise has no bad weekend: the mid-market rate applies all 7 days with no surcharge. For standard leisure trips, Revolut Standard is more comfortable for the app experience. Wise wins when you need to hold real foreign currency balances or receive income in multiple currencies — in that case, it's the best multi-currency account on the market.

N26 Travel

N26 Travel is a decent card with a pricing problem: at €16.90/month it offers less than Revolut Metal (€16.99/month) and considerably less than Revolut Premium (€9.99/month). Its only real differentiating argument is being a regulated German bank account, which matters if you value deposit guarantees over travel perks. For most travellers, it's not the first choice.