Revolut vs. Wise - 1 year later (Review)

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  • Опубліковано 14 лип 2024
  • This video is not sponsored. I have a standard account with Revolut and Wise for about a year now and they have traveled to several countries with me. In fact, I never travel without these them. Now I think I am in a good position to give you a review and my honest opinion about Revolut and Wise (formerly known as Transferwise). Do I think Revolut or Wise is the better choice? Do I have a favorite? Are they really a good way to save money while traveling? Find out in this video :)
    Subtitles and Translations, Subtítulos y Traducciones Legendas e Traduções Untertitel und Übersetzungen by (Fiverr Affiliate Link):www.fiverr.com/share/4Y0e1k

КОМЕНТАРІ • 400

  • @mohitphulara9125
    @mohitphulara9125 Рік тому +27

    First time I saw such honest review from any person, it shows your honesty too. Great, keep it up 🙂

  • @psatm
    @psatm Рік тому +8

    Thank you so much for posting this, it is so helpful! I am going to do what you do, have accounts on both and use them to their strengths.

  • @mangalisoxaba498
    @mangalisoxaba498 Рік тому +5

    I enjoyed getting this helpful information from you Maggi, keep it up.. much appreciated.

  • @garys2187
    @garys2187 Рік тому +6

    Very useful thank you for posting. Also, a thank you to some of the other posters because your questions and comments were also helpful.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      Thanks Gary, and I absolutely agree. :)

  • @walravenwill735
    @walravenwill735 Рік тому +2

    This is really helpful! Thank you!

  • @annar8980
    @annar8980 2 місяці тому

    Very helpful! Thank you for taking the time and posting this.

  • @gildardojimenez3268
    @gildardojimenez3268 2 роки тому +5

    Great review thanks

  • @sage1021
    @sage1021 2 роки тому

    Great! Thank you that was helpful! Just subscribed ⭐️

  • @russfreelancer
    @russfreelancer Рік тому +1

    really useful information, thank you so much!!!

  • @hsahil_10
    @hsahil_10 9 місяців тому +2

    Very useful video. I have been using both for more than a year.

  • @mrmithungarg
    @mrmithungarg 8 місяців тому

    Thank you so much for such nice information and in such a transparent and kind way 🙏

    • @MaggiFuchs
      @MaggiFuchs  7 місяців тому

      Glad that you liked it. :)

  • @georgidimitrov828
    @georgidimitrov828 Рік тому +6

    Hands down the best review/comparison of these two great services!
    I use both, but only have a Revolut card, and I'm generally more inclined to Revolut because of the wider range of services.
    Still, a big fan of Wise too. 🙂
    Nice video
    Regards

  • @auktioneer
    @auktioneer 2 місяці тому

    A really useful review comparing these two cards and presented in such an enthusiastic and captivating way, thankyou 🙂

  • @christines5430
    @christines5430 4 місяці тому

    Thank you for this comprehensive and honest review.

  • @aleksanderiwuc1730
    @aleksanderiwuc1730 28 днів тому

    Thank you Maggi, for such informative and structured review :). Kudos for you :D!

  • @driftertravels928
    @driftertravels928 2 роки тому +58

    I have both and travel a lot as a digital nomad, but generally prefer Wise, just simpler to use, completely transparent, card payments are always reliable and does not try to do too much. Revolut is bit of a jack of all trades but not the best at any, if I want to invest there are better companies, same with crypto. Neither are actually banks so do not put a lot of money in them.

    • @bodigames
      @bodigames Рік тому +12

      Revolut is a bank. it has a bank license of the EU, UK and also in individual countries for example Netherlands and Lithuania

    • @elismart13
      @elismart13 Рік тому +1

      OK so where do you put most of your money?

    • @glennis-dankuwel6020
      @glennis-dankuwel6020 Рік тому

      Tks for that info.

    • @dartiajazaj7886
      @dartiajazaj7886 Рік тому

      Revolut has payment links. You send it to someone and they can pay you with ApplePay or any other credit/debit. Wise does not have that. And for me that makes Revolut nr.1
      And customer support is crazy good.
      And referrals are crazy i get 180€ monthly from referrals. They give you 40€ just to invite someone! And on Wise after you invite someone in the app they have to make 3x 250€ transfer for you to be abble to get your reward lol. Idk just sayin

    • @PastawithGod
      @PastawithGod Рік тому +6

      Both have the bank license. Don't put out wrong information. Wise has it for years, revolut also for a while now.

  • @leelemaire5716
    @leelemaire5716 Рік тому +3

    Merci beaucoup, vraiment intéressant et pratique. Continue les très bon travail 👍

  • @Daniel-ro6ih
    @Daniel-ro6ih 9 місяців тому

    Thanks for the video. It was very helpful.

  • @bigdisplay7042
    @bigdisplay7042 Рік тому +1

    Vielen Dank für die guten Tipps.

  • @gprice5640
    @gprice5640 22 дні тому +1

    Nice clip, great that you delivered the message slowly. I will have to check out Revolut.

  • @SaloniSaha-eh6ee
    @SaloniSaha-eh6ee 9 місяців тому

    This video is really nice and u explain very well.. thanks for sharing ur review..

  • @wakeelahcaldwell8526
    @wakeelahcaldwell8526 9 днів тому

    i feel much better with your review . Im going to get both cards now thanks to your review.

  • @lara_hadjokas
    @lara_hadjokas 9 місяців тому

    great info to know ty!

  • @user-hl1bw6oq8u
    @user-hl1bw6oq8u 4 місяці тому

    I appreciate your shared experience thank you.

  • @VimalaSridurai
    @VimalaSridurai Місяць тому

    Thanks a lot for the very useful info and tips!😊

  • @Lyns2812
    @Lyns2812 Рік тому

    Maggi, just to let you know that I love your videos, lifestyle and of all, your smile 😊

  • @user-sy2km3pr3m
    @user-sy2km3pr3m 8 місяців тому +1

    TOP Erklärung Maggi. Extrem klar und unmissverständlich, vor allem für die, die auch wir wir oft in Brasilien sind. Grüsse aus der Schweiz

    • @MaggiFuchs
      @MaggiFuchs  8 місяців тому

      Danke, das freut mich zu hören…

  • @WolfKloss
    @WolfKloss 10 днів тому

    Thank you very informative video!

  • @akoskm
    @akoskm 2 роки тому

    Very nice summary, thank you!

  • @S_I_P_R_N_E_T
    @S_I_P_R_N_E_T Місяць тому

    Awesome info. Transparent, comprehensive and informative. I wonder if something changed since the last time you did this video in terms of availability and transfers. Vielen Dank.

    • @MaggiFuchs
      @MaggiFuchs  Місяць тому +2

      I am still on the free account on both services, so with the basics that I used, I haven‘t noticed too many changes… 🤔 The way I use it is still the same. Revolut introduced many new features, but they are mainly for the paid accounts, so I don‘t have any experience with them. Hope that helps! :)

  • @RutaAngelinaVoronova
    @RutaAngelinaVoronova 4 місяці тому

    ein richtig tolles Video! Ich habe noch keine WISE, aber Revolut ist mein absoluter Favorit! Ein SUPER Video. vielen dank!

  • @BlazeNexusDelta
    @BlazeNexusDelta 2 роки тому +2

    Thank you Maggi, as usual, your information is very useful! Love your natural and authentic way of delivering your content… keep up the great videos. =)

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому

      Thank you so much for that nice comment, I really appreciate it! 🤗

  • @jasiupasa9356
    @jasiupasa9356 2 роки тому +26

    Good work summarizing both of them , just 2 things to correct
    1 = You can charge your wise balance with your bank's card the same way as revolut , in both cases you might be asked to confirm transaction using 3ds from your austrian bank , otherwise no big differences
    2 = in wise you also have vaults , they are called jars
    i 100% agree with your advice about using both , while keeping your old regular card , and so far i also havent found the perfect debit card provider , cause each has his pros/cons

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +7

      Thanks for clarifing that. 🤗 You are right, it‘s indeed possible to charge the Wise account via another bank card. I never noticed that, it‘s quite hidden. But I still have to say that for that, I prefer Revoluts process, because to me it‘s much more straightforward. Also, the Revolut vaults work better for me. As far as I saw, I can‘t share the vault with other persons, which is essential for me. :)

    • @ev-ezaye3580
      @ev-ezaye3580 Рік тому

      ​@@MaggiFuchs Brilliant video and your experience is certainly the cherry on top!

  • @nelumflower1536
    @nelumflower1536 9 місяців тому +3

    My husband and me have both a wise account and are happy with the speed of exchanging money and paying bills or services with in no time. Revolut sounds also interesting.

  • @franzc1656
    @franzc1656 3 місяці тому +1

    Good summary. I also have both, although I don't have a physical Revolut card. The big advantage I see with Wise is I can receive income in various currencies and convert it to Euro relatively cheaply. Revolut is very widely used in my country so is excellent for sharing bill and transferring money to friends and some small businesses too. I intent to keep both also

  • @fizzz075
    @fizzz075 4 місяці тому

    great video!! thank you so much

  • @shankarraj3433
    @shankarraj3433 Рік тому

    Thanks for the video mam.

  • @temajungmichael
    @temajungmichael 3 місяці тому +1

    Created a wise account with a digital and physical card and I'm so so happy with how it works. Highly recommend!

  • @gildadrive921
    @gildadrive921 9 місяців тому

    Thanks for your helpful video! I was a little worried after hearing that there were some charges on balances. After some investigation, it seems that the fees on Wise vary a lot depending on what country you're in. In my country for example, all the fees have been dropped this year. Also, I started with Revolut and found that the experience can be vastly different to others depending on your country of citizenship. In my case, I received a Revolut account in my home country and it had vastly different capabilities (much less) than a friend of mine from Germany. I suggest doing an investigation based on your own country of citizenship.

    • @MaggiFuchs
      @MaggiFuchs  9 місяців тому

      Yes, you are right, the „details“ really vary from country to country. The charges on balances never were an issue for me because it is not my main bank account and I never keep that much money there. Only enough to travel and then I recharge as I go. But at least in my country, those charges are already history and now they even started paying me some interest every month. 😊

  • @GeePlus-bh2od
    @GeePlus-bh2od 2 місяці тому

    really helpful.thank you

  • @Rita_Johanna
    @Rita_Johanna Рік тому

    Thank you! Obrigada!

  • @billgibson8145
    @billgibson8145 Рік тому

    Thank you very much. I found this very useful.

  • @MonsieurWeinberg
    @MonsieurWeinberg Рік тому +21

    Nice job, Maggi. Interestingly, Wise has policies and limits that depend on your country of permanent residence. For US residents, there are very restrictive limits on free withdrawals of cash from ATM machines, regardless of where you are traveling. Once the limit is reached, there are heavy fees that apply.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +4

      Same here with my account, the limit is not very high either. But as I mentioned in the video, I rarely cash money anyways, so that has never affected me. :) I agree about the fees, but compared to what my bank would charge me, it’s the way cheaper option.

    • @MonsieurWeinberg
      @MonsieurWeinberg Рік тому +4

      @Helena Carlock “Heavy” is a relative term. Wise puts limits on free withdrawals, both the amount and the number per month. After the limit is reached, there is a fee…$2 might be right. I haven’t paid attention exactly since I try NOT to use Wise for cash withdrawals at a machine. I have other bank cards that charge no fee, so I don’t use Wise for that. Using wise for a purchase, on the other hand, is free! If you live in the US, you can make unlimited cash withddrawals without fees by using a Capitol One 360 or Charles Schwab debit card.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +4

      @Helena Carlock On my Revolut account, it’s 2% (min 1€) over 1000€. I think thats very cheap, compared to my bank back home who would take 2% as well, but a minimum of 7,5€ plus for example in Brazil, there are no ATMs where I can get money for free with my Austrian card so they carge ~4€ per withdrawal (with Revolut I can get money for free in all Caixa banks) and then my bank uses a bad exchange rate… so while getting 100€ from Revolut cost me either nothing or 2€, my Austrian account would cost me 10€+ in fees…

    • @kmcca204
      @kmcca204 Рік тому

      @Helena Carlock 2% on anything over $100 (one-hundred) for US residents. Not sure about other countries.

  • @mrpeel3239
    @mrpeel3239 4 місяці тому +1

    Well-balanced review!

  • @banksiasong
    @banksiasong 10 місяців тому +1

    Interested to hear your view about carrying cash.
    Last month we travelled to Europe and UK, and was very surprised that cash is still often asked for, and on some occasions the only form of payment. We had to scurry to an ATM for cash, and of course got the high fees and exchange rate. It was very surprising, especially in Amsterdam and Berlin.
    Many thanks.

    • @MaggiFuchs
      @MaggiFuchs  10 місяців тому

      Unfortunately still necessary… I always keep around 30€ in cash and use it when I have to. In Austria, we have lots of remote restaurants that don‘t have internet connection in the remote mountain areas, so there it‘s a nobrainer. But unfortunately many other restaurants insist on taking cash or only allow to pay with card if it‘s more than 20€.

  • @kaisersoze3378
    @kaisersoze3378 Рік тому

    i love your content, keep it up!

  • @Taldanmus
    @Taldanmus 11 місяців тому +2

    As of the end of August, Revolut in the USA appears to be adding fees for debit and credit card transfers, ranging from 1-3% Achtung! 😮

  • @natnaelazmera4667
    @natnaelazmera4667 Рік тому +4

    Thank you Maggi for an amazing video, it was just what I needed! Just a quick question.... So I will be doing an exchange semester in Paris (from the US), so I want to convert dollars to euros so that I could spend it in Paris and other parts of Europe. What do you recommend?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +3

      Hi! Thanks for your nice comment. If I were in your situation, I would probably just get a card from Revolut or Wise and use it to pay in Europe and just add some money to it as you go. That‘s the way we do it. :)

    • @ev-ezaye3580
      @ev-ezaye3580 Рік тому

      @Natnael America whilst you're looking into the options between Revolut & Wise, you can lookup a third option; N26 which comes highly recommended from Monito

  • @zoepoonpoon
    @zoepoonpoon Рік тому +1

    Thank you so much for your video!! So helpful ! Cus I do have a wise account but thinking to have revolut or wise only ,but I might do what you do ! To have both cards to help me to travel !

  • @brunosousa9264
    @brunosousa9264 2 роки тому +27

    On revolut, you can prevent the weekend fees by add a currency and money there during the week.

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +9

      Seems like that could work, provided that you can hold money in the needed currency. Unfortunately, it would not have helped me in Brazil, because I cant hold Real. :-) But thanks for pointing that out. 🤗

    • @fahiem95
      @fahiem95 10 місяців тому

      In any case the charges are not huge.

  • @shanniecarmi12
    @shanniecarmi12 Рік тому

    Thank you, very clear and helpful.
    Trasfer money for both is like a making a payment with another credit card? Or as bank transaction? Asking because my bank tx fees are very high and it can also take long time to get approval.
    Also, I'm thinking of the best way to manage both cards-
    Split my budget between them, and transfer once a month? Once a week? Or spontaneously whenever i need?
    And having only virtual cards can be an issue?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      You can do both, you can charge via transfer or just use your normal debit card (then it’s like buying something online, just that it charges your account). I always keep a little bit money there that I would need for the next few days. Recharging is fast and in theory you could do it on the go, but you would need an internet connection for that, which is sometimes tricky to do while traveling.
      With a virtual card, you can only buy things online. Even though you could theoretically put a virtual card in your wallet on your phone, I personally prefer having a physical card, just in case.

  • @gabygroebler4177
    @gabygroebler4177 Рік тому +2

    Hello Maggie, I use the Wuse card for 2 years now. First: it's very easy to.put money on the Wuse account: either via Sepa transfer from your employer, or from your private bank account, it takes about 24 hours. From the Wise card of my son it takes seconds. You can easily split money between 2 Wise cards and it costs nothing. Paying bills with the Wise card costs nothing in Euro snd o ly a small amount in foreign currency. I think k you should correct this. Kind Regards, Gaby.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +2

      Hi Gaby, I am not sure what you want me to correct. I believe I gave Wise a very good rating, after all I still use it in the areas it shines, but I stand by my opinion that Revolut makes it easier to charge the account and does things like the shared vaults better, which is useful for me and my husband while traveling. Have you ever tried Revolut?

  • @bananarepublic8951
    @bananarepublic8951 2 місяці тому +10

    Revolut customer service is useless. I find Wise is much better with functionality, exchange rate, availability , customer service

  • @seriouslyinteresting
    @seriouslyinteresting 4 місяці тому

    Thanks for sharing.

  • @joepaluka9031
    @joepaluka9031 2 місяці тому

    Very good information

  • @lifeonhai6885
    @lifeonhai6885 Рік тому +2

    Thanks for the nice comparison. A quick question, withdrawing money from ATM using Revolut card on weekend wouldn't cost anything if that currency is already in your account ? For example one can exchange Euros to Dollars on Friday and withdraw on Sunday, it should be free or ?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +3

      The way I understand it, you should be right about that. But I don’t know 100%, because honestly, I have never had the chance to try this, because the currencies of the countries I travel to (like Brazilian Reais atm) are not available as account currencies. So I am stuck with the exchange rates. :)

  • @priscilapirelli3795
    @priscilapirelli3795 11 днів тому

    Muito obrigada

  • @abidaferdous7913
    @abidaferdous7913 Рік тому

    Hi, many thanks for the information. Which card is best for worldwide travelling? As I don’t like keeping too much cash on me so its easy for me to do shopping, pay hotel, etc. I never use any car apart from UK card but my bank charge me a lot

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +4

      Hi! I personally find it useful to have them both, because I am on the free plan on both of them. If I had to pick only one, I would probably choose the Revolut because the app is more targeted towards travelers, but both have their pros and cons.

  • @pupoje
    @pupoje Рік тому +1

    Revolut has also subaccount for Children. Mi daughter like this very much

  • @wanderwomanproductions9990
    @wanderwomanproductions9990 Рік тому

    Very helpful video! Quick question .. can you connect Wise card to an Uber account? Many Thanks!

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      I didn’t connect it directly to Uber, but i have it set up in Apple Pay and i use that to pay in Uber. :)

  • @agnodarwin
    @agnodarwin 2 роки тому +23

    Nice one Maggi, just to clear this: Wise is NOT a bank (no licence as a bank) and Revolut is a licenced bank (Lituania).

    • @aq2819
      @aq2819 2 роки тому

      Revolut will never get a UK banking licence. Another soviet scum company trying to hide in Lithuania.

    • @mikelo_GIL
      @mikelo_GIL 3 місяці тому

      Fintech doesn't necessarily need to be a bank so long as they provide secured financial services

    • @Lexus3377
      @Lexus3377 20 днів тому

      Why not

  • @marinecup83
    @marinecup83 Рік тому +1

    you can also have a savings account in wise.

  • @marjath2942
    @marjath2942 2 роки тому +5

    As a resident of Japan, will the JPY on my Wise debit card be automatically converted at the mid-market rate whenever it's used to pay for something in another country? I'm trying to get my head around why travelers would hold multiple currencies.

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +3

      The only practical reason I could think of is to avoid the exchange fees on the weekend.

    • @domdimensions9219
      @domdimensions9219 Рік тому +5

      The value of currencies fluctuate a lot. You can convert currency when the exchange rate is in your favor, and hold it in your wise account. Yes the JYP will be automaticlly converted, BUT, what if the exchange rate is better today? You can take advantage by holding that foriegn currency in your wise account.

  • @fruityeva
    @fruityeva 2 роки тому

    Thank youu! :)

  • @hermes8258
    @hermes8258 9 місяців тому

    I can't figure out which Germanic language you speak as your mother tongue: Swiss or Norwegian. Ah, now I got the fact: Austria. You speak softer than German but not as lilting as Swiss-German. So, now I learned something linguistic as well as financial. Thank you.
    I too am interested in both of these cards - Revolut I had some problems with and Wise has poor customer service. I will keep my bank in Canada, but use these for what they ere really designed for - cash in foreign currencies while travelling or doing business overseas, not so much for purchases.
    BTW, I can recall a time not that long ago (25 years?) when we got a better rate at the bank counter than the ATM when outside of my home country. Now, it seems there is no difference.
    BTW, great dentist!

    • @MaggiFuchs
      @MaggiFuchs  9 місяців тому

      Hahaha, yes, Austrian. That‘s funny, because my dialect is very harsh with lots of chhhchchch and kkkkckckckck. But I spent a year in the US after school, so I guess that „smoothed“ out my accent a little bit. 😊

  • @vishalraheja4399
    @vishalraheja4399 Рік тому +1

    Wise has 3 disposable virtual cards, while revoult has only one. Virtual cards from Wise can be used everywhere but from revoult, it does not work on few e-commerce portal in Germany.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      As far as I know, on Revolut you can have up to 20 virtual cards…

  • @pavolkocis7456
    @pavolkocis7456 Рік тому +4

    Hi Maggi Revolut stopped supporting top ups from credit cards on 22nd July last year in the UK 🇬🇧 only from debit cards is possible unfortunately. With the Wise you can but with some changes do you know what charges are there?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +2

      Hi! I am afraid I don‘t know that. Maybe just reach out to their customer service? :)

  • @stephen6262
    @stephen6262 2 роки тому

    Thanks for the great review do revolut do direct debits in spain and is it possible to have a spanish iban please

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +1

      I don’t think that you can have a Spanish IBAN, just an european one from where they are from (LT), but I may be wrong. Maybe ask this question to their support, I think they can give you a more educated answer than me. :)

  • @diegoyuiop
    @diegoyuiop Рік тому +1

    Thank you very much Maggi. I'm from Italy but I'm going to Brazil this summers and I have a Revolut free account as you do but I can't find what commission would I pay when using it to buy stuff in Brazil. Is there any commission at all that Revolut withholds?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +2

      Hi! I am not sure if everyone has the same cost structure of if they change a little bit by location of the cardholder, but we had no fees for paying with the card, currency exchange is free for up to 1000€ (except 1% on the weekend) and also no fees to withdraw money up to 200€ by Revolut, but most ATMs charge you quite a lot, usually 20 - 25 Reais (4-5€). However, we found out that when you go to Bradesco banks and use their ATMs, they don‘t charge any fees, so we did that most of the time. If you type „limits“ in the search bar in the Revolut app, you can access the limits page that shows you how much you already spent. I hope that helps. :)

    • @diegoyuiop
      @diegoyuiop Рік тому

      @@MaggiFuchs Thank you again for the info!

  • @kmcca204
    @kmcca204 Рік тому +5

    Hi Maggie! For US residents beginning 1 March 2023 its 2% on anything over $100 (one-hundred-dollars) with Wise. I dont think Revolut is available to us yet 😥 I still like the idea when traveling to EU to be able to have 1 card that has both USD and EU stored for the convenience and maybe a CC for backup though. Is Apple Pay widely available in the EU like it is in the States? Next trip Id love to be able to just use iphone/watch for payments like home. And not have to worry about/deal with cards at all 😉 I can dream right? lol

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +2

      Hi! Many places I traveled to recently (Austria, Germany, France, Italy, Spain, Portugal) support contactless payment, either with cards or with the phone. Most supermarkets and stores have it. But I would not recommend it as the only mean of payment, because many small restaurants etc. don’t have it. And I was amazed that there are still places that don’t even accept any cards and only want cash… so I joing your dream of a day where all of this will be easier… 😅

    • @marynickless5525
      @marynickless5525 Рік тому +3

      I am a U.S. resident and I just opened the Revolut card. Maybe it wasn’t available before, but it is now

    • @desertserna
      @desertserna Рік тому +2

      Revolut is available for US Citizens since late 2021. I opened my Revolut account right after they started. I was one of the “Beta” customers and honestly I have not been disappointed at all. I use my Revolut when I go to Mexico and my card works perfect.

    • @_Viking
      @_Viking Рік тому +1

      FYi, apple pay/google pay and contactless is the most widely used payment in Scandinavia. I haven't used cash for many years😊

    • @stevedice5963
      @stevedice5963 2 місяці тому

      Just open a charles schwab investor checking. Use atms worldwide, the regular atm fee is reimbursed 3 weeks later. Always say YES local currency and NO to check balance and requests by the atm to convert currency those fees don't get reimbursed and its a rip off

  • @joaoramos32
    @joaoramos32 4 місяці тому

    Thanks

  • @ashleyfraser114
    @ashleyfraser114 10 місяців тому

    Thank you very much for the video, if I send payment link via wise to other people, will they be able to use the link by paying with a credit card like Visa/MasterCard?

    • @MaggiFuchs
      @MaggiFuchs  9 місяців тому

      I am not sure, I have never tried that. :)

  • @andreashoppe1969
    @andreashoppe1969 Рік тому

    Hi. Solved the problem about verification for wise. The photo wasn't clear enough. I repeated the process and managed taking a cleaner photo of my passport and it was verified within 5-10 minutes. The card was shipped within 3 days. Thanks! Revolut: I cancelled! Didn't like their customer service.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      Thanks for the update, Andreas. Happy that you managed to solve the issue! :)

  • @pupoje
    @pupoje Рік тому +3

    Revolut is prepaid and wise is debit card. That also might be issue sometimes. For example I can’t pay Italian highway toll with prepaid card.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      I think that both are prepaid cards, because if there is no money on the account, both wont work. Have you tried to use a Revolut card on the Italian highway toll?

    • @pupoje
      @pupoje Рік тому

      @@MaggiFuchs No i didn’t bit according Revolut forum, all Revolut cards are prepaid. Wise is debit

    • @Taldanmus
      @Taldanmus 11 місяців тому +3

      hmm..is there a distinction between debit and prepaid??

  • @Diya_285
    @Diya_285 8 місяців тому

    Thanks for the explanation. So both accounts are automatically EU accounts? Meaning if you live outside the EU/US/UK and you want to send money to your Revolut/Wise account, international bank transfer fees may apply, right?

    • @MaggiFuchs
      @MaggiFuchs  7 місяців тому

      I think which kind of account you get depends on where you live, but you can open other accounts in other currencies. But if you want to send money to and from a foreign account (and not charge it with a e.g. bank card), I guess there will be some fees.

  • @power4things
    @power4things Місяць тому

    Wise has virtual cards too. It is so easy to move money, some banks (particularly USA) still make wiring money resemble a Space Shuttle launch..

  • @sheikhaun9576
    @sheikhaun9576 Рік тому

    Hey Maggi !
    I'm from US. I use wise, i also prefer it but my wise account got deactivated today for no reason.
    I just want to ask how can i reactive my account?
    Should I use Revolut for my business?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      Hi! I am afraid I can’t help you on this. I have never had any problems or my account deactivated. Maybe it would be best to reach out to their support?

  • @hetasaputra4598
    @hetasaputra4598 20 днів тому

    In Milan, tap pay occasionally failed when using Wise. Never failed with Revolut

  • @joaojaqueryfilho9738
    @joaojaqueryfilho9738 Рік тому +1

    My WISE card DID NOT WORK when I most needed it.
    After being in transit for more than 24hr, I arrived to pick-up a rental car, but WISE declined the payment. I called support but no one answered as it was out of their working hours. My purchase was within the card limit and I had 10x more funds than what was necessary.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +2

      Oh no, that does not sound fun at all.
      I personally always book (and pick up) my car rentals with my credit card from my home bank. I never use Revolut or Wise for this, because I think they technically count as prepaid debit cards, and debit cards and car rent companies, it’s always a hit or miss and many of the rental companies don’t accept them at all or only with restrictions.

  • @riccardoringenberg7831
    @riccardoringenberg7831 Рік тому

    Hi Maggi, is it possible to load the Wise card with Brazilian money to use it there?
    As I will be traveling to Brazil this year and I saw in another video of you that you have been there before, I'm wondering if I can use Wise in Brazil.

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      Hi Riccardo! I am in Brazil at the moment and I am using it. :) However, you can‘t hold BRL in Wise. I just use my normal Euro account, and I just use my Wise card as normal to pay and it just exchanges it with the current Interbank exchange rate and takes it from my Euro account. And that‘s much cheaper than when I would use my bank card from home to make the payments. I hope that helps. :) Enjoy Brazil!

    • @riccardoringenberg7831
      @riccardoringenberg7831 Рік тому

      ​@@MaggiFuchs Ah that's how it works, so it converts from my CHF or EUR account direct to BRL when I pay with the Wise card in Brazil. Muito obrigado pela sua ajuda ;-)

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      @@riccardoringenberg7831 De nada. :)

  • @pixelatedframes2239
    @pixelatedframes2239 2 роки тому +2

    Hope this hasn't been asked... is it possible to transfer money directly between a Revolut and a Wise account? The logic is that I prefer Revolut, but it isn't available for use as widely, which having an account on Wise would solve if they "speak to each other."

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +4

      Recently there was a commenter that told me that you can actually charge Wise via a credit card, so you could use your Revolut card to charge Wise and vice versa. I am not sure if you want to “automate” that. On Revolut, you could set that it recharges your account regulary (e.g. everytime the balance falls below a certain threshold). So there it would work. I am not sure though if you can do the same on Wise.
      But you would be able to transfer your money back and forth in seconds.
      I really hope that helps! :)

    • @pixelatedframes2239
      @pixelatedframes2239 2 роки тому +1

      @@MaggiFuchs definitely, thanks for the quick reply and extra info. Have a nice weekend!

    • @markovchain2412
      @markovchain2412 Рік тому

      Nice point on gift card!

  • @lou-salomearlandis3742
    @lou-salomearlandis3742 Рік тому

    hey there! very well done and informative video, I just have one question to be 100% sure before i commit: I'm from france and i frequently travel to the US, will the payments I make directly with the revolut card be completely free? And can someone tell me if the US accept the revolut card widely?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      In my opinion, they should be free during the week. On the weekend, there is the small fee you have to pay for payments in foreign currencies. But if in doubt, I am sure their customer service can give you a much more educated answer. I personally have not used them in the US yet. :) Enjoy your trip!

    • @lou-salomearlandis3742
      @lou-salomearlandis3742 Рік тому

      @@MaggiFuchs thank you so much for your answer!

  • @3rdtwirl494
    @3rdtwirl494 2 роки тому

    I sent the link to my client in Nevada USA and apparently it’s not usable. What can I do to help

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому

      Hi. Not sure which link you mean?!

  • @sat36nl70
    @sat36nl70 Рік тому

    Thanks Maggi,
    How about if i deposit 100 eur to Revolut, then I traveling to Swiss, do I need to exchange eur currency (Revolut) to Swiss currency? or stay with eur currency on Revolut,
    will Revolut paying by eur or CHF?
    Thanks,

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      As far as I know (someone please correct me if I‘m wrong), both is possible. If you just keep it on your Euro account and pay with it, it will pay with CHF and convert it with the interbank exchange rate. If you create a CHF account, it will pay from there. Could be useful to lock in a good rate or to avoid the currency exchange rates on the weekends.

    • @sat36nl70
      @sat36nl70 Рік тому +1

      ​@@MaggiFuchs
      Yes, you're right, it make sense.
      Thanks for your information.

  • @alexbishop5870
    @alexbishop5870 3 місяці тому

    Great Video, thanks. But I’m a bit confused- putting money on my Wise Card is easy - you either transfer it from a regular bank account after the first transfer it’s instant or for a small fee you can Apple Pay it. Perhaps it’s different in Brazil but I have both UK and Australian bank accounts linked and both work great.

    • @MaggiFuchs
      @MaggiFuchs  3 місяці тому

      There are lots of ways. I usually wire money there or use the debit card of my Austrian bank to recharge. :)

  • @Peterogen
    @Peterogen 4 місяці тому

    ❤❤

  • @Zero_Gaming75
    @Zero_Gaming75 9 місяців тому

    Hi Maggi ! I have a question about Revolut, is it safe enough to put some money to it monthly ? Like about 300€, as I’m a foreign student in France, my bank did not give me access to my main account nor gave me a debit card to buy groceries. So my dad wants to send me some money through Revolut and we’re both wary of money’s safety.
    Hope you reply 🙏🏼

    • @MaggiFuchs
      @MaggiFuchs  9 місяців тому +1

      Hi! I usually always keep around 500€ in my free account there and refill it as I go and I personally never had any issues or problems in the last few years. Enjoy France! :)

  • @makhdoommohammad8923
    @makhdoommohammad8923 Рік тому

    I plan to use wise for hotel booking, UBER, restaurants and travel using just one card back it up by my Pakistani credit cards. Should be enough in terms of cost effectiveness or should also keep revolut? I plan to use these in UK EU and US

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      Well… I am on a free account on both and I think the fees are reasonable on both, so I would not dare to give a recommendation on which one is more cost effective. :)

  • @thayennemendonca
    @thayennemendonca 2 роки тому

    So I'm a Brazilian in Europe and I use Wise to transfer my money from Brazil (reais) to Europe (€). Can I use Revolut for that or it doesn't work to make wires from Brazil? :(

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому +1

      I am honestly not sure…. I know that it does not work to wire money from Europe to Brazil. The other way around, I don’t know. But I am sure that their customer service will be able to answer that question better than me. :)

    • @thayennemendonca
      @thayennemendonca 2 роки тому

      @@MaggiFuchs thanks!! :)

  • @RonBrumleve
    @RonBrumleve Рік тому

    My girlfriend was injured while in Poland. Would the Wise card be a good way to pay the hospital bill there in Poland? What about purchasing her airplane tickets to travel from Poland back to the USA?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      Sorry to hear that your girlfriend was injured. She has no travel insurance that jumps in in that case? Other than that, I believe that it would be an option when you need to deal with different currencies. However, you need to have sufficient funds in your account, otherwise the payments will not go through.

  • @piterstg
    @piterstg 2 роки тому

    zajebiste video

  • @Dream6668
    @Dream6668 2 роки тому +1

    Can I use wise card for my salary ? If I give detail in my job place ? It's good to receive salary in wise card ?
    And wise give IBAN number ?
    Thanks

    • @MaggiFuchs
      @MaggiFuchs  2 роки тому

      I would assume that that’s possible.

    • @rafffe
      @rafffe Рік тому +1

      Would probably work with Revolut too. You will get an iban account number.

  • @BAghz00
    @BAghz00 Рік тому +3

    Could you use Wise as a normal debit card in your home country?

  • @whatudoin1
    @whatudoin1 11 місяців тому

    do they provide a german iban(DE) or is it english and belgium ?

    • @MaggiFuchs
      @MaggiFuchs  10 місяців тому

      They have no german iban.

  • @andreashoppe1969
    @andreashoppe1969 Рік тому +1

    I can't seem to use neither of them. Still stuck at verification process. Any ideas?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      No, I am afraid I have no experience with that. If they are available in your country, maybe it would be best to get in touch with their customer service?

    • @prettybrwneyez7757
      @prettybrwneyez7757 Рік тому

      Wise sucks. Don’t use it

  • @yohanneauana5184
    @yohanneauana5184 Рік тому

    very helpful! thanks! enjoy brazil! hmu if you want any tips on exploring this wonderful country :D xx

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      Bom dia Yohanne! I love your country! I am actually going back for another 6 months this year. ☀️ I already have been in a lot of awesome places, but I always love to hear what other people like best: So, what’s your favorite places that you can recommend? :)

    • @yohanneauana5184
      @yohanneauana5184 Рік тому +1

      @@MaggiFuchs so glad to read that!
      well, my favorite place in the world is Chapada dos Veadeiros its in Goias, endless waterfalls in the heart of the country! some other places I love are Praia do Aventureiro in Ilha Grande, part of Rio de Janeiro, the whole island (Ilha Grande) is pretty amazing tho! if you want to have a glimpse of the Amazon, the Floresta Nacional dos Tapajos is unbelievably beautiful :') these are just to name a few! let me know what are you keen to explore and I'm happy to share more tips related to the regions you're keen on exploring xx

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      @@yohanneauana5184 Thanks for the great tips - they sound like my kind of places. I was in Ilha Grande in the beginning of this year and I loved it - what a stunning place. And I loved eating seafood in cozy restaurants with candlelight and my feet in the sand. 🥰

  • @RealRosa.
    @RealRosa. Рік тому +1

    I’m Canadian can I just link my debit card to wise and send money to my American friends or do we both need a wise card

    • @MaggiFuchs
      @MaggiFuchs  Рік тому +1

      You can also send money to their bank accounts, but I guess it would be cheaper if they also had a Wise account? But I am not 100% sure about that, there are so many differences between the countries, so if I were you, I would ask their support. :)

  • @gabiib__
    @gabiib__ Рік тому

    Revolut should start in brazil in 2023 but they aren’t in the country yet so they can’t have reais as a account yet!😅 However I never heard of it not working here lol but apple pay really works everywhere here most of our machines have “aproximação” where you only touch the chip of the card to the machine

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      We just had the cards not working again in Carrefour, but as you say, Apple Pay saved the day… using the Revolut card with Apple Pay was no problem. 😅

  • @davidj7516
    @davidj7516 2 місяці тому

    Thank you for your time and posting. I've never even heard of these cards. So thank you again. I'll check them both out. Does anyone have any experience using these cards in Vietnam, or are these cards more for Europe? Thank you.

    • @MaggiFuchs
      @MaggiFuchs  2 місяці тому +1

      I personally have no experience with them in Vietnam, but hopefully someone around here can share their experience. :)

  • @egonholdhus6280
    @egonholdhus6280 Рік тому

    I made the Vault in my revolut app. It says NOK (since im norwegian and have some nok in revolut). But I also have euro in Revolut and I wanted the Vault to be in euro. Or is it irrelevant what the vault says the money/currency is in ?

    • @MaggiFuchs
      @MaggiFuchs  Рік тому

      I honestly don‘t know. I always kept my Vault in my main currency (Euro) and never thought about it… 😅 But maybe their support can help you. :)

    • @egonholdhus6280
      @egonholdhus6280 Місяць тому

      @@MaggiFuchs Ive discovered that in Revolut you can have as many Vaults you want, but max one for each currency, you get no interest in those. Savings however you can have only 3 of, and that is Euro, GBpound and usDollar. The reason for that is that those 3 currencies are the only ones you can get interest on in Revolut.