Revolut vs Send Payments: Fees & Reviews Compared

Both Revolut and Send Payments are popular international money transfer services. But which one is better?

Below we compare them on their fees and reviews.

Fees

	Revolut	Send Payments
Homepage
Transfer Fee	No fee for transferring to other Revolut users Card transfers: 0.7% (if you’re in Europe), 2.3% (outside Europe) Bank transfers: fees can range between 0.35% and 1%	No fee
Average Exchange Rate Markup	0.5% – 2%	0.01
Minimum Transfer Amount	$1	AU$250
Maximum Transfer Amount	Depends on the selected plan, the sending country, and the recipient country.	No limit (AU$25,000 for recurring, daily transfers).

Reviews

	Revolut	Send Payments
Trustpilot Rating	4.3	4.9
Number of Trustpilot Reviews	138,000	250
iOS App Rating	4.7	N/A
Number of iOS App Reviews	37,000	N/A
Android App Rating	4.5	N/A
Number of Android App Reviews	2,400,000	N/A

Features

	Revolut	Send Payments
App Transfers	Yes	No
Online Transfers	Yes	Yes
Phone Transfers	No	Yes
In-person Transfers	No	No
Available Countries	200	180
Number of Currencies	29	37
Payment Methods	Bank account Debit card Credit card	Bank account PayID POLi
Receiving Methods	Bank account Debit card	Bank account
Cash Pickup Option	No	No
Payments Flexibility	Web platform Mobile app	Web platform Phone
Supported Languages	English, German, Spanish, French, Portuguese, Dutch, Italian, Japanese, Chinese, Croatian, Greek, Czech, Danish, Russian, Hungarian, Polish, Slovak, Romanian, Swedish, Bulgarian, Latvian, and Lithuanian	English
Transfer Speed	Instant for Revolut users 1-2 days for the rest	0-2 days
Dedicated Dealer	No	Yes
Instant Custom Quote	Yes	No
Business Features	Forwards contracts Stop-loss orders Limit orders Analytics Payroll automation Spending management Digital multi-currency wallet Rate alerts API integration	Spot contracts Delayed contracts Limit orders Stop-loss orders Recurring transfers
Debit Card	Many including: Standard, Plus, Premium, Metal, Ultra, Business and Revolut <18	None
Cancellation Policy	Cancellation is available as long as the transfer hasn’t been completed. Refunds may take up to 10 days.	Most money transfers can be canceled upon contacting Send Payments. Note that transfers that have been completed are seldom refunded.
Suitability	Small money transfers	Small and large money transfers

Company Comparison

	Revolut	Send Payments
Year Founded	2015	2018
Headquarters	London, UK	Gold Coast, Queensland, Australia
Other Office Locations	Berlin (Germany), Dublin (Ireland), Krakow and Silesia (Poland), Madrid (Spain), Mexico City (Mexico), Porto (Portugal), São Paulo (Brazil), Bangalore, Chennai, Gurgaon, Indore, and Mumbai (India), Singapore, Tokyo (Japan), and Vilnius (Lithuania)	Sydney and Melbourne (Australia)
Annual Trading Volume	$140 billion	AU$200 million
Number of Employees	8000	60
Number of Clients	30 million personal users 500,000 business users	N/A
Regulatory Institutions	FCA in the UK ASIC in Australia The Bank of Lithuania in the EU MAS in Singapore Kanto Local Finance Bureau in Japan	ASIC and AUSTRAC in Australia
Awards	Top Startups (LinkedIn, 2018, 2019, 2020, 2021, 2022) Fintech Company of the Year (City AM Awards, 2018) Europe’s Allstar Company (Investor Allstars Awards, 2018) Top 10 Fastest Growing Startups To Work For (Otta, 2019) Top 10 Companies Hiring Like Crazy (Glassdoor, 2019) Top Spot at Deloitte’s Tech Fast 50 (Deloitte, 2019, 2020) Top Spot at The Startups 100 (Startups, 2019) Top 10 in Tech Track 100 Companies (The Sunday Times, 2019) Featured in The Best London Startups to Work (Rocket List, 2020) Lithuania’s TOP Employers (CV Online, 2020) Innovation of The Year (British Bank Awards, 2020) Featured in Best Startups To Watch (Seedtable, 2020, 2023) Best Talent Acquisition Team (LinkedIn Talent Awards, 2021) Featured in 150 Fastest Growing Companies to Work for in America (Otta, 2021) Best FinTech Employer of the Year (SFF Global FinTech Awards, 2021) Featured in Employer Branding Stars (EBstars Awards, 2022, 2023)	Best International Money Transfer Provider (Mozo Experts Choice Awards, 2020) Finnies Finalist (FinTech Australia Awards, 2020) Most Promising Money Transfer Service for 2022 (MoneyTransferComparison, 2022)

Revolut Pros & Cons

Revolut Pros

• Offers a full range of banking features
• Exceptional customer support
• User-friendly debit card services
• Zero transfer fees for smaller transfers
• Attractive foreign exchange rates
• Comprehensive suite of business-oriented features
• Option to trade in cryptocurrencies
• Virtual cards for secure online transactions
• Broad coverage of services globally
• Wide range of supported currencies for travelers
• Fast money transfers

Revolut Cons

• Not designed for large-scale money transfers
• Complex fee structure
• Limited scope of in-app currency support
• No cash pickup options
• A relative newcomer in the financial industry

Send Payments Pros & Cons

Send Payments Pros

• A large selection of payment methods
• Top-tier customer service
• Stellar Trustpilot score
• No transfer fees
• Favorable exchange rates
• Fast money transfers
• Personalized care with dedicated account managers
• Customizable business tools including stop orders, limit orders, and delayed contracts
• 180 countries available
• Slick web design

Send Payments Cons

• No option for cash pickup
• A minimum limit of AU$250 for transfers
• A small selection of rare or exotic currencies
• No option for instant, tailored quotes
• No mobile app

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