Updated September 29, 2026 · VaultCue Editorial Team
Revolut AU vs Wirex
Revolut AU
Wirex
Higher score in this comparison
What sets them apart
| Compare | Revolut AUReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | £0 | $0 |
| Currency conversion fee | 0% to 1% | 0% |
| Currencies | 30 | 40Higher |
| Local account details | IBAN | IBAN, UK sort code, Us ACHCovers more |
| Transfer fee | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide | Free |
| Licence type | E money | Not confirmed |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Free ATM withdrawals | Not confirmed | €200 |
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Key differences
- Wirex scores higher overall: 9.2 vs 9.1.
- Founded is lower at Wirex: 2014 vs 2015.
- Revolut AU is licensed in 1 more country.
- Currencies is higher at Wirex: 40 vs 30.
- Local account details: only Wirex offers UK sort code, Us ACH.
- Support channels: only Revolut AU offers Phone.
- Features: only Revolut AU offers Joint account.
Our verdict on each
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Wirex
Wirex suits travellers and expats who want to hold and spend across borders with local payout details in place. You pay monthly fee of $0 with currency conversion fee of 0% and balances across 40 currencies with transfers at free for daily use.
Score breakdown
| Area | Revolut AU | Wirex |
|---|---|---|
| Cost | 9.4Monthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. | 9.4Transfers at free with ATM allowance of €200 for cash access |
| Offer | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. | 9.5HigherHolds 40 currencies with local details IBAN, UK sort code and us ACH for everyday use |
| Trust | 8.6 | 8.8HigherOperated as Wirex Limited based in GB and founded in 2014 |
Licences and countries
| Country | Revolut AU | Wirex |
|---|---|---|
| El Salvador | Not confirmed | |
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
| United Kingdom | Financial Conduct Authority 933846 | Not confirmed |
Also worth a look
Skrill has currencies at 47, against 30 for Revolut AU and 40 for Wirex.
Skrill reviewWhere these facts come from
Revolut AU
- revolut.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Wirex
- wirexapp.com: 7 facts, checked September 28, 2026
- help.wirexapp.com: 5 facts, checked September 28, 2026
How they place
| Ranking | Revolut AU | Wirex |
|---|---|---|
| Multi-currency accounts | 12 of 348 | 6 of 348 |
Every fact side by side
| Fact | Revolut AU | Wirex |
|---|---|---|
| Audience | Travelers, Freelancer, Teen | Not confirmed |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Free ATM, Joint accountCovers more | Free ATM |
| Legal entity | Revolut Payments UAB | Wirex Limited |
| Headquarters | Lithuania | United Kingdom |
| Founded | 2015 | 2014Lower |
| Support channels | Chat, Help centre, PhoneCovers more | Chat, Help centre |
Savings
| Fact | Revolut AU | Wirex |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | £0 | Not confirmed |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | Revolut AU | Wirex |
|---|---|---|
| Payout methods | Bank | Not confirmed |
Where each stands against the rest
| Fact | Revolut AU | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0% to 1%below the median | 0%below the median | 0.5 |
| Currencies | 30highest quarter | 40highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | €200above the median | €1 |
Median across 536 listed accounts.
Pros and cons
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
Wirex
Pros
- Pay monthly fee of $0 so the account adds no fixed upkeep between trips
- Exchange balances with conversion fee of 0% which helps frequent cross border spend
Cons
- Support runs on chat and help centre only, which may frustrate those who prefer voice help
Who each suits
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
Wirex
Who it suits
- Pick Wirex over eToro when you want local details such as IBAN, UK sort code and us ACH for receiving pay abroad
- Pick Wirex over bunq when you want conversion fee of 0% with monthly fee of $0 for travel use
Who should look elsewhere
- Consider Bit2Me instead if your priority is crypto exchange depth rather than everyday multi currency spending
- Consider eToro instead if your main activity is investing rather than holding travel balances
Country by country
| Country | Revolut AU | Wirex |
|---|---|---|
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
8 of 39 countries where either is available.
Questions about each
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
Wirex
Does Wirex charge a monthly fee for the account+
You pay monthly fee of $0 for the personal account, so there is no fixed upkeep for holding balances. This helps if you keep the account dormant between trips. You still should review transaction linked charges before moving funds.
What does Wirex charge for currency conversion+
Currency conversion fee is 0%, which keeps swapping balances predictable while travelling. Rates can still vary by market and timing. Check the live quote in the app before confirming a larger exchange.
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