Revolut or Wise: Which Is Better in Germany? (2026)
The short answer
Revolut records EUR 100,000 of deposit protection where the Wise account records none, and allows free withdrawals up to EUR 200 or 5 a month against Wise's 2. Both cost EUR 0 a month, open in 0 days and issue a foreign IBAN: LT for Revolut, BE for Wise.
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | Revolut | Wise |
|---|---|---|
| Monthly feeWhat holding the account costs every month | EUR 0Tie | EUR 0, card EUR 7 one-offTie |
| IBAN countryGerman billers and employers still prefer a DE IBAN | Lithuanian LT IBANTie | Belgian BE IBAN, neither issues a German IBANTie |
| Free withdrawal allowanceHow much cash you can take out before it costs | Free withdrawals up to EUR 200 a month, or 5 of themWins | 2 withdrawals or EUR 200 a month |
| Fee above the allowanceWhat the withdrawal after the free ones costs | 2% above the allowance, minimum about EUR 1Tie | EUR 0.50 plus 1.75%Tie |
| Physical card costWhat the plastic itself costs, one-off or yearly | Delivery fee applies, amount not published | EUR 7 one-offWins |
| Deposit protectionWho guarantees your money, and up to how much | EUR 100,000Wins | EUR 0 recorded |
| Opening timeHow fast the account is usable | 0 daysTie | 0 daysTie |
So which one
Pick Revolut if
- You will hold a balance: Revolut records EUR 100,000 of deposit protection and Wise records none.
Pick Wise if
- You want the card cost published up front: EUR 7 one-off, where Revolut only states that a delivery fee applies.
Other comparisons
6 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 7 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, Revolut or Wise?
Revolut records EUR 100,000 of deposit protection where the Wise account records none, and allows free withdrawals up to EUR 200 or 5 a month against Wise's 2. Both cost EUR 0 a month, open in 0 days and issue a foreign IBAN: LT for Revolut, BE for Wise.
When should I pick Revolut?
You will hold a balance: Revolut records EUR 100,000 of deposit protection and Wise records none.
When should I pick Wise?
You want the card cost published up front: EUR 7 one-off, where Revolut only states that a delivery fee applies.
Community Q&A