I used Wise for over 8 years, but stopped about three months ago after too many account errors over the years. I switched to Revolut full-time, and it’s been smooth, with no unexpected issues. I’ve also used Revolut’s digital debit cards with Apple Pay for in-store purchases in multiple countries without any problems. I also prefer the Revolut app’s interface. One feature I really like is Revolut’s virtual debit cards for online purchases. I created a dedicated virtual card exclusively for online shopping and keep it permanently locked, even though it’s saved in my Shopee account. When I check out, Shopee initially declines the payment because the card is locked, but Revolut immediately sends a notification asking if I want to approve that specific transaction. I approve it in the app, the payment goes through, and the card remains locked the entire time. It’s a great security feature that Wise never offered. Revolut also lets you create one-time virtual cards that automatically expire after a single online purchase. That’s another excellent security feature that Wise doesn’t offer. Revolut also lets me exchange up to US$1,000 each month with no fees, which Wise doesn’t offer. Wise usually has a slightly better USD/THB exchange rate (around 20 satang better than Revolut), but Revolut’s fee-free exchange on the first US$1,000 largely offsets that difference. I mainly use Revolut for everyday spending, so I haven’t tried transferring funds to a Thai bank account yet. The only transfer I’ve made so far was a USD transfer to another USD account, and it arrived within seconds.
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