An independent, cost-focused comparison of Revolut vs Wise for sending money to Spain — including weekend markups, plan limits, and which fits different transfer situations.
Last updated: April 2026 · FXPathway independent analysis
FXPathway compares international transfer costs by looking at both visible fees and hidden FX margins.
Revolut and Wise are both popular for GBP to EUR transfers, but they're not really built in the same way. Wise is simpler and more predictable. Revolut can be competitive in some situations, but you have to pay more attention to plan limits and timing.
If you're asking whether Revolut or Wise is better for Spain, the answer depends on how much you're sending, when, and whether you're on a paid Revolut plan. This page breaks down the key differences.
This is one of those comparisons where the "best" option really depends on how you use it. For occasional small weekday transfers, Revolut can work well. For regular transfers to Spain, Wise is usually easier to trust.
Quick answer:
For most Spain transfers → Wise is more consistent and transparent.
Small weekday transfers within your plan limit → Revolut can be competitive.
Weekend transfers → Revolut becomes less attractive because of its weekend markup. Wise is easier to evaluate because the total cost is shown upfront.
Regular monthly transfers (pension, rent, salary) → Wise is the safer default.
See the cost difference for your amount.
Use the FXPathway calculator to estimate how much EUR you'd receive with different providers vs your bank.
Try the transfer cost calculator →Uses the mid-market exchange rate for all transfers. Charges a transparent fee — shown upfront before you confirm. The fee does not change based on plan, day of the week, or monthly usage. In practice, that makes it much easier to know what you're paying before you commit.
Can use the mid-market rate on weekdays within your plan's monthly exchange allowance. Once you exceed your limit, or at weekends, a markup applies to the exchange rate. The total cost depends on your plan, how much you've already converted that month, and when you send.
This is the most important structural difference: Wise keeps the cost consistent. Revolut's cost varies with your plan and behaviour.
Typical costs for GBP to EUR transfers to Spain. Always verify current rates directly with each provider before sending.
| Factor | UK Bank | Wise | Revolut |
|---|---|---|---|
| Exchange rate | Own rate — typically 2–4% worse than mid-market | Mid-market rate, always | Mid-market within limits; markup above or at weekends |
| Transfer fee | Fixed fee + possible correspondent bank charges | Transparent variable fee + small fixed component (~0.4–0.6%) | Free within monthly plan allowance; percentage fee above |
| Weekend markup | Often worse rates anyway | Small markup may apply, disclosed clearly | ~1% markup applies on all plans |
| Monthly limits | No cap — just expensive | No plan-based limits | Depends on plan (free plan has lower allowance) |
| Cost predictability | Low — rate varies | High — fee shown before confirmation | Medium — depends on plan, timing, usage |
| Best for | Convenience only | Any amount, any day, consistent cost | Small transfers on weekdays within plan allowance |
Revolut applies a markup on currency conversions made at weekends — typically around 1% for GBP to EUR. This is because interbank FX markets are closed over the weekend and providers must carry the rate risk themselves.
On a £2,000 transfer, a 1% weekend markup costs around £20. On £5,000 it's around £50. This applies regardless of your plan — even Metal users pay the weekend markup.
Wise also applies a small weekend adjustment on some currency pairs, but its fee structure is transparent either way. The overall cost is disclosed before you confirm.
Weekend transfer rule of thumb: if you can wait until Monday morning, both providers will typically give you a better rate than at weekends. Weekday transfers — outside bank holidays — are nearly always better.
Revolut's monthly exchange allowance depends on your plan. Once you exceed it, a fee applies on the excess:
For anyone making regular transfers — monthly rent in Spain, regular income top-ups, recurring payments — the limit tracking adds friction. With Wise, the fee is simply a percentage of each transfer, shown upfront every time. No limits to track.
Wise is the simpler choice. The cost is the same every time — no weekend risk, no limits to track. For regular transfers where consistency matters, Wise is the default worth starting with.
Revolut can be competitive here if you send on a weekday and are within your monthly allowance. For occasional small transfers, the Revolut free plan may cost nothing in FX fees — but always check the EUR amount you'll actually receive before confirming.
Wise is usually easier to evaluate. The fee is clear and consistent. At this size, the weekend markup on Revolut or the cost of exceeding your plan limit would typically exceed Wise's transparent fee.
Both add a markup at weekends. If you can schedule the transfer for a weekday, do so. If you can't, compare the final EUR amount on both apps at the moment you're sending — don't rely on a general estimate.
If you're on Premium or Metal for other reasons, your GBP to EUR transfers are effectively free on weekdays. In that case, Revolut costs less than Wise for weekday transfers. Just be aware of weekends and keep an eye on any transfer limits.
The only reliable way to compare Revolut vs Wise for Spain is to check the total EUR you'd receive for your specific GBP amount at the exact moment you want to send — not the quoted rate alone.
Both the Wise and Revolut apps show you the final EUR amount before you confirm. Compare that number directly.
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For most people, Wise is the more consistent and transparent option for Revolut vs Wise for Spain transfers. The fee is shown upfront and doesn't change based on day, plan, or monthly usage. Revolut can be competitive for small weekday transfers within your plan's allowance, but the total cost is harder to predict once you factor in weekend markups and plan limits.
On weekdays and within your plan's monthly allowance, Revolut can charge nothing for the currency conversion itself. Once you exceed your limit, or at weekends, a markup applies. Paid plans (Plus, Premium, Metal) have higher or unlimited weekday allowances. The exact limits change, so verify directly with Revolut before sending a large transfer.
Revolut typically applies around a 1% markup on GBP to EUR conversions at weekends. This applies on all plans, including paid ones. The markup exists because interbank FX markets close over the weekend and Revolut must carry the rate risk. Avoid weekend transfers if you can.
Yes. Revolut supports transfers to Spanish IBANs via international bank transfer. However, Revolut is primarily a spending and card product. For straightforward GBP to EUR bank transfers to Spain, Wise's process is more direct and its cost more transparent at each step.
For regular monthly transfers — pension income, rent, salary top-ups — Wise is generally the better default. The fee is the same every month regardless of timing or cumulative usage. With Revolut, you need to track limits and avoid weekends to keep the cost low consistently.
Revolut's free plan includes a monthly fee-free currency exchange allowance. Paid plans (Plus, Premium, Metal) offer more or unlimited fee-free exchange on weekdays. Limits change — always check Revolut's current pricing page before relying on a specific figure. Weekend markups apply on all plans regardless of exchange allowance.
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