Top 5 Revolut Alternatives in 2025 & Who They're Best For

Revolut is a licensed neobank that offers digital-only banking services, including multi-currency accounts and global payments to individuals and businesses worldwide. While its features suit many businesses, it might not be the right fit for everyone.

Maybe Revolut isn’t available in your region, or you need different features that better suit your business. Or perhaps you’re happy with Revolut but want a second business account for added flexibility.

That’s why we’ve put together a list of 5 strong alternatives to Revolut for businesses. Whether you're looking for specific features, more flexible pricing, or options available in other countries, this guide is for you. We’ll walk you through their key services, fees, who they’re best for, and things to consider, all in one place.

Without further ado, let's dive into our list!

Starling Bank is an award-winning challenger bank based in the UK. Founded in 2014, the bank has been offering digital banking services to over 4.2 million users, including individuals and businesses. 

Starling Bank users can open accounts, access banking services, and contact customer support exclusively online through the mobile app. As a licensed bank, eligible deposits with Starling Bank are protected by the FSCS for up to GBP 85,000.

Since it does not have a physical branch, customers can deposit cash into their Starling Bank account at any Post Office branch in the UK, though there are deposit limits and associated charges.

Key Services Offered by Starling Bank

• Business Bank Account: A business current account with perks such as free access for multiple directors, integration with accounting software like Xero and QuickBooks, and free UK bank transfers.
• Foreign Currency Accounts: Open EUR and USD accounts with your own account details to receive, hold and send money as if you have local bank accounts. However, Starling Bank is not accepting new applications for these accounts at the moment. [1]
• International Money Transfers: Send money via bank transfer to 34 countries worldwide via SWIFT or a low-cost local network payment. 
• Debit Card: Spend your account balance with a Mastercard® debit card, featuring in-app security controls for added protection.
• Overdrafts and Loans: Apply for a business overdraft from GBP 1,000 up to 50,000 for flexible cash flow management. Small business loans ranging from GBP 25,001 to 250,000, with repayment terms of 12 to 72 months, are also available.
• Scheduled Payment: Schedule payments in advance and get notified when they are due.
• Expenses Management: Categorise your funds based on goals, track spending, and schedule bill payments in advance.
• Business Toolkit: Manage bookkeeping, invoices, bills, tax, and VAT directly from your business account with this add-on feature.

Starling Bank’s Pricing

Starling Bank offers a free business account with no monthly fees. However, some services incur additional fees or require subscriptions. Below are a few key fees to note. [2]

We Recommend Starling Bank for

✅ SMEs and sole traders who need a digital-first banking solution with 24/7 chat-based customer support and a transparent pricing structure.

✅ Business owners who seek to streamline financial management with scheduled and bulk payment features, as well as accounting software integration.

✅ UK-based businesses primarily focused on the local market but with some engagements in Europe and the US.

What to Consider About Starling Bank

❌ Limited to UK businesses.

❌ No EUR and USD accounts for new business customers.

❌ Some features, including business toolkits and bulk payment, require paid add-ons.

Monzo is a London-based online bank that launched in 2015. It offers personal and business banking services, including current accounts, business accounts, Monzo Flex credit cards, and loans. While Monzo accounts can primarily hold GBP, users can make international payments through Wise and receive foreign currency transfers through IBAN numbers. 

Like other banks regulated by the Financial Conduct Authority (FCA), eligible deposits with Monzo are FSCS-insured. It’s worth noting that Monzo has a cash deposit limit of GBP 5 to GBP 300 per transaction, with a total limit of GBP 1,000 every six months. [3]

Key Services Offered by Monzo

• Business Bank Account: Make and receive unlimited instant GBP transfers for free, and earn 1.60% AER interest on money in savings pots.
• International Transfers: Transfer money to over 70 countries, as well as receive international payments (converted to GBP upon receiving). 
• Debit Card: Get a physical Mastercard® debit card and up to 5 virtual cards for business spending. Cards are compatible with Apple Pay and Google Pay.
• Accept Payments: Accept contactless and card payments from customers (via Stripe), send payment links and invoices, as well as deposit cheques using the app. 
• Sole Trader Loans and Overdrafts: Sole traders can apply for overdrafts up to GBP 2,000 and loans up to GBP 25,000.
• Expenses Management: Track and categorise spending, as well as schedule payments in advance.
• Accounting Software Integration: Integrate Monzo with Xero, QuickBooks, or FreeAgent to better manage your finances.

Monzo’s Pricing

Monzo offers 3 business account plans: Lite, Pro and Team. Here are the additional fees for using some services. [4]

We Recommend Monzo for

✅ Small businesses in the United Kingdom that primarily handle transactions in British pounds (GBP).

✅ SME owners needing financial management tools and customer support outside typical banking hours.

✅ Businesses that are looking for a secondary account with user-friendly features to save more time on financial management and bookkeeping.

What to Consider About Monzo

❌ Only sole traders or limited companies registered in the UK can apply.

❌ Accounts can only hold GBP.

❌ If your business handles cash regularly, Monzo’s cash deposit limits may not be ideal for you.

N26 is a European digital bank that was established in 2013. Unlike traditional banks, it operates entirely online without branches. In addition to personal accounts, N26 also offers business accounts exclusively to freelancers and self-employed individuals, as well as other products like virtual and physical cards and insurance.

The bank is fully licensed and regulated by the European Central Bank (ECB) and the German Federal Financial Supervisory Authority (BaFin), which means eligible deposits are protected up to EUR 100,000 by the German Deposit Guarantee Scheme.

Key Services Offered by N26

• Business Account for Freelancers: Choose from 1 free and 3 paid business account plans, each with tools and perks such as cashback on purchases and spending insights. Funds can only be held in euros.
• Debit Card: Offers virtual and physical Mastercard® debit cards for users to make purchases offline and online in any currency without any foreign transaction fees.
• International Money Transfers: Make in-app international transfers to 35 countries and 35 currencies, powered by Wise.
• Cash Withdrawals: Withdraw money from an ATM for free up to 8 times, depending on your account plan. Unlimited withdrawals are available at partner retailers.
• N26 Crypto: Buy and sell almost 200 cryptocurrencies within a few tabs.
• Insurance Coverage: N26 Business You and Metal plans include exclusive insurance coverage, such as travel and mobile phone protection.
• Budgeting and Financial Insights: Budgeting tools and financial insights to help users manage their finances effectively.

N26’s Pricing

N26 offers free and paid account plans, and there may be additional charges depending on your country. Below are the fees that apply to most countries in Europe.[5]

We Recommend N26 for

✅ Self-employed individuals and freelancers who primarily operate in the eurozone and need digital banking services accessible from anywhere.

✅ Digital nomads who frequently travel and make card payments in foreign countries.

✅ Those who seek a licensed financial institution that facilitates investment in cryptocurrency.

What to Consider About N26

❌ Services are limited to EU-based freelancers, self-employed, individual entrepreneurs, and sole proprietors.

❌ Euro-only accounts.

Wise, formerly known as TransferWise, is a payment service provider specialising in cross-border money transfers in multiple currencies. Although headquartered in London, you can open a Wise account from many countries and territories worldwide, including most European countries, Hong Kong, and Singapore. 

Wise offers multi-currency business accounts to companies of all sizes, with features like batch payments that simplify international payments while providing competitive rates and lower fees compared to traditional banks. [6]

Key Services Offered by Wise

Wise’s services may vary by country and region, as they operate globally. However, here are the key features provided by Wise UK.

• Multi-currency Business Account: Hold money in 40+ currencies in one account number.
• International Money Transfer Services: Send money with low transfer fees to over 70 countries and in various currencies worldwide.
• Foreign Currency Account: Set up local account details in 9+ currencies, including GBP, EUR, USD, SGD, and CAD, as well as receive international money transfers in more than 18 currencies.
• Debit Card: Easily spend your multi-currency account funds with the Wise debit card and earn 0.5% cashback on all eligible transactions.
• Batch Payments: Only upload a single CSV file, and you can make up to 1,000 payouts at once.
• Wise API: API for integrating into different platforms or applications.
• Currency Exchanges: Convert funds between different currencies at rates based on mid-market rates with no hidden markups.

Wise’s Pricing

The table below shows Wise’s pricing structure for UK customers. It’s important to note that pricing may vary depending on your location. [7]

We Recommend Wise for

✅ Businesses that deal with multi-currency payments can save a significant amount of time and money with Wise's payment network.

✅ Global businesses that make and receive frequent cross-border payments, as Wise offers transparent fees and real-time exchange rates. 

✅ Companies looking for easy integration with accounting software to streamline their financial management processes.

What to Consider About Wise

❌ Unlike others, Wise charges a fee to set up an account.

❌ No business loans and overdraft facilities.

❌ No FX tools like forward contracts to manage currency risk.

Rapyd is a global fintech company that has offices in several locations worldwide, including London, Singapore, and Dubai. It provides a comprehensive platform for businesses to manage online payments and other transactions across multiple countries, with products like multi-currency accounts and Global Payments API.

Key Services Offered by Rapyd

• Multi-Currency Business Account: Route all incoming payments into one settlement account, send payments, and hold balances in multiple currencies, including GBP, USD, and EUR.
• Virtual Account: Create unlimited accounts in over 40 countries and 25 currencies and allow customers to pay in their currencies.
• Global Payouts: Make single or mass payments to over 190 countries with good exchange rates.
• Global Card Issuing: Multi-country card issuing API that allows users to issue pre-funded virtual and physical cards, as well as control approvals and expenses.
• API Integration: Integrate Rapyd features with companies' workflow.
• Plugins: Connect with popular ecommerce platforms, including WooCommerce, Shopify, Ecwid, and Wix, for businesses to easily collect sales and manage funds.

Rapyd’s Pricing

Rapyd charges a monthly fee of USD 99 for business accounts.[8] However, their pricing structures vary depending on the region and the payment processing volume.

Additionally, pricing information for all services is not available on their website. Therefore, we recommend contacting Rapyd directly for the most accurate information.

We Recommend Rapyd for

✅ Ecommerce businesses and online retailers wanting to streamline payment collection from global customers.

✅ Online marketplaces and platforms that need a solution to handle complex transactions, especially those involving foreign currencies, between buyers and sellers.

✅ SaaS companies aiming to embed payment solutions within their platforms. 

What to Consider About Rapyd

❌ Charge USD 99 per month to use a business account.

❌ Limited pricing information is publicly disclosed on the website.

❌ May require developer support to set up Rapyd.

Now that we have explored the top 5 Revolut alternatives, you should have a clearer idea of which option could potentially meet your business needs. When choosing the right one, consider factors like:

• Fees: Compare the pricing structure of each provider, especially the fees for the services you need, such as card payment processing. If you handle cash frequently, don’t forget to look into ATM withdrawal limits and cash deposit fees.
• Customer Support: Choose a provider with customer support options that suit your preferences, whether it’s chat, phone, or email support. If you prefer in-person service, you may want to consider traditional banks.
• Features: Go with a provider that offers the features you need now and as your business grows, such as multi-currency capabilities, software integrations, and other financial tools. 

Alternatively, you may find that a combination of services from different providers is the best solution to meet your business’s specific needs, especially as your business expands.

If you own a business in Asia or are considering entering the Asian market, then we recommend you consider Statrys.

Statrys is a licensed payment service provider based in Hong Kong. It offers products and services to support the global growth of businesses registered in Hong Kong, Singapore, and the BVI.

With a Statrys business account, you can receive, hold and send money in 11 major currencies, making it easier to manage international transactions. Additional services like forward contracts help hedge currency risks, while a dedicated account manager ensures personalised support whenever you need it.

If you own a growing business and have clients and partners in Asia, be sure to check out Statrys' business account.