6 Revolut Alternatives: SoFi, One, Wise & More

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Revolut is a fintech, not a bank. Its US banking services are backed by its bank partner MCB, which also provides FDIC insurance for Revolut’s deposit accounts. Revolut offers digital personal and business multicurrency accounts that are well-suited for travelers who frequently convert currency or use their debit card overseas. And if you have a Revolut personal account, you’ll get access to its free kids’ account Revolut <18. It also offers seven different international business accounts.

If this global account isn’t quite the right fit, we have Revolut alternatives for you to check out, such as SoFi®, Capital One, Greenlight and Wise.

6 Revolut alternatives

For checking: SoFi Checking and Savings
For business banking: Wise Business
For kids’ banking: Greenlight
For savings: OnePay Cash
For travelers: Capital One 360 Checking
For a full-service online bank: Ally Bank Spending Account

Alternative for checking

SoFi Checking and Savings

9 Excellent

Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until January 31, 2026.

Go to site on SoFi's secure site Read review

SoFi Checking & Savings is an all-in-one digital account. There are no monthly or overdraft fees. You'll get a debit card with no foreign transaction fees, just like Revolut. SoFi also offers 0.50% APY on your checking balance with no requirements, and up to 3.80% APY on savings for Plus members (direct deposit or $10 subscription fee). Alternatively, those who deposit at least $5,000 per month also earn the highest savings APY. This online bank accepts cash deposits at participating retailers for a $4.95 fee, while Revolut doesn't accept check or cash deposits at all. However, unlike Revolut, SoFi doesn't offer kids' bank accounts.

APY	Up to 3.80%
Fee	$0 per month
Minimum deposit to open	$0

SoFi Checking & Savings is an all-in-one digital account. There are no monthly or overdraft fees. You'll get a debit card with no foreign transaction fees, just like Revolut. SoFi also offers 0.50% APY on your checking balance with no requirements, and up to 3.80% APY on savings for Plus members (direct deposit or $10 subscription fee). Alternatively, those who deposit at least $5,000 per month also earn the highest savings APY. This online bank accepts cash deposits at participating retailers for a $4.95 fee, while Revolut doesn't accept check or cash deposits at all. However, unlike Revolut, SoFi doesn't offer kids' bank accounts.
Pros

No monthly or overdraft fees

No foreign transaction fees

Up to 0.50% APY on checking and 3.80% APY on savings

Accepts cash deposits
Cons

No kids' banking

No physical branches

Annual Percentage Yield (APY)	Up to 3.80%
Intro or bonus offer	Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until January 31, 2026.
Rewards	Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until January 31, 2026.
Fee	$0 per month
ATM transaction fee	$0
Foreign transaction fee	0%
Overdraft fee	$0

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1.

SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled
payment date, but may vary.

APY	Up to 3.80%
Fee	$0 per month
Minimum deposit to open	$0

Go to site on SoFi's secure site Read review

verified_user FDIC Insured

Alternative for business banking

Wise Business

Go to site on Wise's secure site

Revolut offers seven business international account options. However, most of Revolut's business accounts come with monthly fees. Wise's single business account has no monthly fees, only requiring a $31 one-time fee to set up your account. With Wise, you can receive AUD, CAD, USD and many more currencies from non-wire transfers with no fees and receive fee-free Swift payments in 15 different currencies. A major perk Wise has over Revolut is that Wise's account can be interest-bearing if you hold USD, GBP or EUR, offering up to 4.85% APY on a USD balance. However, Revolut has more software integrations than Wise and more team management tools, but Wise is a well-rounded international account that's free to maintain.

APY	4.85%
Fee	$0. per month
Minimum deposit to open	$0

Revolut offers seven business international account options. However, most of Revolut's business accounts come with monthly fees. Wise's single business account has no monthly fees, only requiring a $31 one-time fee to set up your account. With Wise, you can receive AUD, CAD, USD and many more currencies from non-wire transfers with no fees and receive fee-free Swift payments in 15 different currencies. A major perk Wise has over Revolut is that Wise's account can be interest-bearing if you hold USD, GBP or EUR, offering up to 4.85% APY on a USD balance. However, Revolut has more software integrations than Wise and more team management tools, but Wise is a well-rounded international account that's free to maintain.
Pros

No monthly fees

Receive funds for free in multiple currencies

Earn up to 4.85% APY on USD balance

Mid-market exchange rate

40+ currencies and operates in 160+ countries
Cons

$31 setup fee

Fewer software integrations and team tools than Revolut

Annual Percentage Yield (APY)	4.85%
Fee	$0. per month
ATM transaction fee	$1.50
Foreign transaction fee	0.35%
Overdraft fee	$0

APY	4.85%
Fee	$0. per month
Minimum deposit to open	$0

Go to site on Wise's secure site

verified_user FDIC Insured

Alternative for kids’ banking

Greenlight

9.2 Excellent

Finder Award

Go to site Read review

Revolut offers its kids' bank account Revolut <18, with no monthly fees. However, it doesn't offer APY or savings rewards like Greenlight. Greenlight offers up to five kids' debit cards per plan with no age requirements, starting at $5.99 per month for Greenlight Core. With Core, you can earn a 2% savings reward per year on balances up to $5,000 per family. With the higher tier plans, like Infinity for $14.98 per month, you can earn a 5% savings reward on balances up to $5,000. For all the plans, parents get granular spending controls with the ability to set limits by store and category, financial literacy education and access to an investing platform. And like Revolut, Greenlight doesn't charge international or foreign transaction fees. However, the downsides with Greenlight are you can't get around a monthly fee, and it doesn't accept cash deposits.

APY	5.00%
Fee	From $5.99 per month
Minimum deposit to open	$0

Revolut offers its kids' bank account Revolut <18, with no monthly fees. However, it doesn't offer APY or savings rewards like Greenlight. Greenlight offers up to five kids' debit cards per plan with no age requirements, starting at $5.99 per month for Greenlight Core. With Core, you can earn a 2% savings reward per year on balances up to $5,000 per family. With the higher tier plans, like Infinity for $14.98 per month, you can earn a 5% savings reward on balances up to $5,000. For all the plans, parents get granular spending controls with the ability to set limits by store and category, financial literacy education and access to an investing platform. And like Revolut, Greenlight doesn't charge international or foreign transaction fees. However, the downsides with Greenlight are you can't get around a monthly fee, and it doesn't accept cash deposits.
Pros

2% to 5% savings rewards

Granular parental controls

No minimum age requirements

Extra security features with pricier plans

Investing and savings tools
Cons

Unavoidable monthly fee

No cash deposits

Annual Percentage Yield (APY)	5.00% on balances of $0 to $5,000
Fee	From $5.99 per month
ATM transaction fee	$0

APY	5.00%
Fee	From $5.99 per month
Minimum deposit to open	$0

Go to site Read review

verified_user FDIC Insured

Alternative for savings

OnePay Cash

9.6 Excellent

Earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. Limited time offer. Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.

Go to site on OnePay's secure site Read review

One Finance offers an all-in-one digital account with checking and savings, with no monthly or foreign transaction fees. Earn a 3.75% APY on Savings if you set up direct deposit of at least $500 per month. OnePay Cash's APY is higher than Revolut's Standard plan, which offers 3.25% APY. You can also create unlimited subaccounts to organize your spending and savings goals, set up transfers between the subaccounts and use savings round-ups to save whenever you spend with your debit card. Also, setting up direct deposit of at least $500 per month makes you a Plus customer, which offers extra perks like overdraft protection, 3% cash back on Walmart on up to $150 spent per month, free Allpoint ATM withdrawals, mobile check deposit, free card replacements and more. And unlike Revolut, One Finance also accepts cash deposits at participating retail locations, such as Walmart.

APY	Up to 3.75%
Fee	$0 per month
Minimum deposit to open	$0

One Finance offers an all-in-one digital account with checking and savings, with no monthly or foreign transaction fees. Earn a 3.75% APY on Savings if you set up direct deposit of at least $500 per month. OnePay Cash's APY is higher than Revolut's Standard plan, which offers 3.25% APY. You can also create unlimited subaccounts to organize your spending and savings goals, set up transfers between the subaccounts and use savings round-ups to save whenever you spend with your debit card. Also, setting up direct deposit of at least $500 per month makes you a Plus customer, which offers extra perks like overdraft protection, 3% cash back on Walmart on up to $150 spent per month, free Allpoint ATM withdrawals, mobile check deposit, free card replacements and more. And unlike Revolut, One Finance also accepts cash deposits at participating retail locations, such as Walmart.
Pros

No monthly fees

High 3.75% APY on Autosave pocket and for Plus customers

Budgeting and savings tools

Accepts cash deposits
Cons

Direct deposit requirements for best perks

No physical branches

No kids' banking

Annual Percentage Yield (APY)	3.75% on balances of $5,000 to $250,000 1.00% on balances of $0 to $4,999 1.00% on balances of $250,001+
Intro or bonus offer	Earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. Limited time offer. Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.
Rewards	Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits.
Fee	$0 per month
Foreign transaction fee	0%
Overdraft fee	$0

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
10% cash back at Walmart: Only available to customers who initiate their account application through certain channels from 3/18/25 - 6/30/25. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
3% cash back at Walmart: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ as of the last day of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart.
Early Pay: Get paid up to 2 days early. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
3.75% APY on Savings with eligible deposits: 3.75% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposit in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.75% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.75% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 12/20/2024, but may change at any time before or after account opening.
ATM: Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
Overdraft Protection: Available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection.
Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.

APY	Up to 3.75%
Fee	$0 per month
Minimum deposit to open	$0

Go to site on OnePay's secure site Read review

verified_user FDIC Insured

Alternative for travelers

Capital One 360 Checking

9.2 Excellent

Earn $250 bonus when you use code CHECKING250 and set up at least 2 qualifying direct deposits each of $500 or more to your 360 Checking account within 75 days of account opening. Terms Apply.

Read review

The Revolut account might offer perks like currency exchange allowances, kids' banking and the ability to hold different currencies — but if you don't need all that, the Capital One 360 Checking account might be the simple alternative for you. Capital One 360 Checking is a no-frills account with no foreign transaction fees from a trusted bank. There are also no monthly fees or minimum deposit requirements, and you'll earn a 0.1% APY on your checking balance. It also offers early direct deposit, four overdraft options and doesn't charge you for using out-of-network ATMs.

APY	0.10%
Fee	$0 per month
Minimum deposit to open	$0

The Revolut account might offer perks like currency exchange allowances, kids' banking and the ability to hold different currencies — but if you don't need all that, the Capital One 360 Checking account might be the simple alternative for you. Capital One 360 Checking is a no-frills account with no foreign transaction fees from a trusted bank. There are also no monthly fees or minimum deposit requirements, and you'll earn a 0.1% APY on your checking balance. It also offers early direct deposit, four overdraft options and doesn't charge you for using out-of-network ATMs.
Pros

No monthly fees

No foreign transaction fees

Earn 0.1% APY on checking balance

No ATM fees
Cons

$30 outgoing domestic wire fee

Few branch locations

Annual Percentage Yield (APY)	0.10% on balances of $0.01+
Intro or bonus offer	Earn $250 bonus when you use code CHECKING250 and set up at least 2 qualifying direct deposits each of $500 or more to your 360 Checking account within 75 days of account opening. Terms Apply.
Rewards	No
Fee	$0 per month
Nonsufficient funds fee	$9
ATM transaction fee	$0
Foreign transaction fee	0%
Overdraft fee	$0
Paper statement fee	$5

APY	0.10%
Fee	$0 per month
Minimum deposit to open	$0

Read review

verified_user FDIC Insured

Alternative for full-service online bank

Ally Bank Spending Account

8.6 Great

Read review

Unlike Revolut, which is a fintech with banking partners, Ally is one of the few digital banking options that's actually a bank on its own. Ally also has many more products and services than Revolut, such as checking, savings, certificates of deposit, various lending and investing services, as well as a money market account. Ally's personal accounts also have no monthly fees. Its checking account earns up to 0.25% APY depending on your balance, and the savings earns a high 4.25% APY. The Ally credit card doesn't charge foreign transaction fees, but the debit card has a 1% foreign ATM fee and 1% international transaction fee, so Revolut may still be the better option if you travel overseas frequently. And just like Revolut, Ally doesn't accept cash deposits or have any physical branches.

APY	Up to 0.25%
Fee	$0 per month
Minimum deposit to open	$0

Unlike Revolut, which is a fintech with banking partners, Ally is one of the few digital banking options that's actually a bank on its own. Ally also has many more products and services than Revolut, such as checking, savings, certificates of deposit, various lending and investing services, as well as a money market account. Ally's personal accounts also have no monthly fees. Its checking account earns up to 0.25% APY depending on your balance, and the savings earns a high 4.25% APY. The Ally credit card doesn't charge foreign transaction fees, but the debit card has a 1% foreign ATM fee and 1% international transaction fee, so Revolut may still be the better option if you travel overseas frequently. And just like Revolut, Ally doesn't accept cash deposits or have any physical branches.
Pros

Deposit accounts with no monthly fees

High 4.25% APY on savings

Various deposit accounts

Lending and investing
Cons

No cash deposits

No kids' banking

Annual Percentage Yield (APY)	0.25% on balances of $15,000+ 0.10% on balances of to $15,000
Fee	$0 per month
ATM transaction fee	$0
Foreign transaction fee	1%
Overdraft fee	$0

APY	Up to 0.25%
Fee	$0 per month
Minimum deposit to open	$0

Read review

verified_user FDIC Insured

How Revolut compares

Revolut‘s personal and business banking options are top-tier. It’s one of the best global options you can get, with the personal Revolut account letting you spend in over 150 currencies, and it includes fee-free currency exchanges with your limit depending on your chosen plan. The Revolut Business accounts are full of team management perks, offer 29 software integrations and provide 24/7 customer chat support. Additionally, with a personal Revolut account, you unlock the no-fee Revolut <18 kids’ bank account.

The downside of Revolut is that the best perks with its business accounts require a paid plan, such as bulk payments and cashback rewards. Overall, keep in mind that Revolut is an online option that lacks physical branches and doesn’t accept cash or check deposits.

Pros

Supports over 70 currencies in 160 countries
No-fee plan options
29 software integrations
Free transfers to other Revolut accounts
24/7 chat support
Kids’ bank account

Cons

Business bulk payments and cash back requires paid plan
No check or cash deposits
No physical branches

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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Revolut Account Alternatives

The global fintech Revolut is great for travelers, but if you’re not a globetrotter, here are alternatives to check out.

6 Revolut alternatives

Alternative for checking

Alternative for business banking

Alternative for kids’ banking

Alternative for savings

Alternative for travelers

Alternative for full-service online bank

How Revolut compares

Pros

Cons

Bethany Hickey

Ask a question

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Revolut Account Alternatives

The global fintech Revolut is great for travelers, but if you’re not a globetrotter, here are alternatives to check out.

6 Revolut alternatives

Alternative for checking

Partner terms and conditions

Alternative for business banking

Alternative for kids’ banking

Alternative for savings

Partner terms and conditions

Alternative for travelers

Alternative for full-service online bank

How Revolut compares

Pros

Cons

Bethany Hickey

Ask a question

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