The best Revolut alternatives for businesses

With over 250,000 businesses worldwide, Revolut Business is a significant player in the global B2B fintech sector. While its services are manifold, high-frequency global trading companies still face substantial transaction fees. Discover the best Revolut business alternative that fits your business model.

Revolut overview

Revolut is a British fintech company that has quickly grown into a comprehensive financial platform, offering services such as debit and credit cards, currency exchange, stock and crypto trading, savings accounts, and even hedging tools. Its business solution, Revolut Business, enables free global transactions up to a certain monthly limit. Once that limit is exceeded, a €5 fee per transaction applies. The Basic plan, priced at €10 per month, includes no free transaction allowance, while the Scale plan at €90 per month offers 25 free international transactions. As such, Revolut is best suited for local businesses with limited international payment needs.

• 25+ currencies on one single account
• Limited free-of-charge international transfers
• Payment acceptance fees starting from 0.8% plus €0.02
• Virtual and physical cards available
• No free account

Alternatives to Revolut Business

The following sections compare the best Revolut Business alternative according to multi-currency account, business debit card support, countries, global transaction fees and hedging options.

amnis

amnis provides a fully integrated CFO stack tailored to the needs of internationally active SMEs. The platform offers physical and virtual multi-currency debit cards without processing or currency conversion fees. Further, businesses can access local IBANs in EUR, CHF, DKK, CZK and GBP to avoid the costly SWIFT network. Even better: Launch plans start at 19€ per month, while exchange fees start as low as 0.20%. With hedging options and workflow automations, amnis is a valuable solution for businesses looking for solutions to facilitate international banking.

• 20+ currencies on one single account
• Physical and virtual multi-currency debit cards
• Cashback interest on local and foreign currencies
• Local payments in CHF, EUR, GBP, CZK and DKK
• Integrated pre-accounting functionalities
• Multiple integration options via API or direct integrations (e.g. bexio)
• 24/7 self-service to manage all your finances

PayPal

PayPal is a trusted payment platform used in more than 200 countries. It is especially popular among e-commerce and marketplace businesses. Depending on the region, up to four different PayPal business debit cards are available, which makes the platform not suitable for scaling companies, which need to issue multiple cards to departments or even individual employees. Additionally, the PayPal currency conversion fee and international payments are relatively high compared to most competitors.

• 25+ currencies on one single account
• Up to 4 debit cards available
• High transaction fees
• Easy usage
• Best suited for online shops and freelancers

Wise

Wise is designed to provide real-time currency conversion at the mid-market rate with no additional mark-up, which makes it a cost-effective solution for immediate or near-term payments. However, if your business needs to lock in exchange rates for future transactions, Wise is not the right choice. Transaction and conversion costs vary according to the currency pair, while customers can profit from local payment schemes in AUD, EUR, GBP, HUF, SGD and PHP. Multi-currency cards are available, but come with additional fees per card. Wise is a solid choice for businesses with limited cross-border activity that value transparency and simplicity. However, companies with more complex international cash flow needs may find the lack of hedging tools restrictive.

• 40+ currencies on one single account
• Send payments to over 160+
• Uses real mid-market rates, exchange fees at around 0.43%
• Multi-currency cards available (extra cost per card)
• No hedging options for currency risks

Payoneer

Compared to other payment solutions, Payoneer is geared towards online merchants who primarily receive payments from international customers. The platform currently supports settlements in five currencies: USD, EUR, GBP, HKD, and JPY. It also offers debit cards, each linked to a single currency. The first card incurs an annual fee of $29.95, while additional cards in other currencies are free of charge. Currency conversion fees can reach up to 3.99%, plus an additional $0.49 per transaction. As a result, Payoneer is best suited for locally sourcing online businesses with a global client base.

• Local receiving accounts to get paid like a local
• No local payment options
• Debit cards available (single currency)
• Annual card fees start at $29.95/year

amnis: An alternative to Revolut Business for companies with frequent cross-border transactions

As a financial ecosystem, amnis offers all the tools needed to access international markets at the lowest possible costs. Businesses of all sizes benefit from a powerful multi-currency account with debit cards, local IBANs, hedging options, and interest on foreign balances – the perfect add-on to your business bank account.

Beyond that, amnis equips your finance team with modern tools for efficient day-to-day operations: manage expenses with up to 60 cards (10 physical and 50 virtual), simplify pre-accounting for expenses and accounts payable, and streamline accounts receivable with local IBANs across multiple jurisdictions. You also get self-service currency management and instant FX at a mid-market rate of max 0.4%.

Learn more about how amnis makes global finance simple.