Top 10 Revolut Business Alternatives in 2025: Better Options for Cross-Border Payments
Is Revolut Business holding your company back? As international commerce becomes increasingly vital to business growth, finding the right cross-border payment solution can make or break your global expansion. While Revolut has established itself as a recognizable player in the digital banking space, growing businesses often discover its limitations when transaction volumes increase and currency management becomes more complex.
In this comprehensive guide, we'll explore top Revolut Business alternatives that offer superior features for international payments, multi-currency management, and dedicated FX support. Whether you're dealing with escalating transaction volumes, seeking better exchange rates, or needing enhanced support, these alternatives could be the upgrade your business deserves in 2025.
Why Businesses Are Looking Beyond Revolut
Revolut has gained popularity for combining multi-currency accounts, expense management tools, and international payment capabilities. However, as businesses scale internationally, several limitations become apparent:
- Tiered Pricing Constraints - Revolut's subscription model locks essential features behind expensive plans, making businesses pay for bundled services they may not need.
- Limited FX Risk Management - Growing businesses need advanced tools to protect against currency fluctuations that can erode profit margins.
- Inadequate Support Systems - As transaction volumes grow, the absence of dedicated account managers becomes a significant drawback.
- Weekend Markups and Volume Limits - Additional fees kick in (typically 0.6% to 1%) once you exceed your plan's monthly currency exchange allowance or transact outside market hours.
- Restricted Payment Tracking - Limited visibility into payment journeys creates uncertainty for both you and your international partners.
For growing SMBs with significant international exposure, these limitations can translate into unnecessary costs, inefficient processes, and missed opportunities. Let's explore the alternatives that address these pain points.
Top 10 Revolut Business Alternatives in 2025
1. Wise Business (Formerly TransferWise)
Wise has evolved from a pure money transfer service into a comprehensive multi-currency business solution. Unlike Revolut's subscription tiers, Wise opts for a transparent pay-as-you-go model that many growing businesses prefer.
Strengths
- Holds 40+ currencies with local account details in 9 currencies (including USD, EUR, GBP)
- No monthly subscription fees—pay only for what you use
- Consistently offers exchange rates close to mid-market
- Seamless integrations with accounting software (Xero, QuickBooks, Sage)
Limitations
- Per-transaction fees become costly at higher volumes (€100,000+ annually)
- Limited FX risk management tools
- No dedicated account manager for personalized support
- One-time account opening fee of €50
Best For
Freelancers, digital nomads, and smaller businesses just beginning international expansion who want competitive exchange rates without monthly fees.
2. iBanFirst
iBanFirst combines a powerful yet intuitive platform with expert human support, making it particularly suited for growing SMBs with significant cross-border activity.
Strengths
- Hold, send, and receive funds in 25+ currencies
- No tiered monthly subscription costs—transparent pricing with no hidden fees
- Advanced payment tracking with time-stamped updates shared with beneficiaries
- Dedicated account managers with FX expertise to develop custom strategies
- Comprehensive currency risk management tools (fixed, flexible, and dynamic forward contracts)
Limitations
- Less suitable for businesses with minimal international transfer volumes
- No debit cards offered, unlike some competitors
- Primary focus on payments and FX rather than full expense management
Best For
Established SMBs with significant cross-border payment volumes who need advanced FX risk management and personalized expert support.
Industry Solution Spotlight: Nilos
While exploring alternatives to Revolut Business, innovative companies should consider the emerging liquidity solutions offered by Nilos. As a specialized liquidity network running on stablecoins, Nilos enables fintechs and payment companies to achieve faster, more cost-effective cross-border payments specifically in emerging markets.
Operating across 15+ regions in Africa, LATAM, MENA, and SEA with more than 20+ bank/LP partnerships, Nilos has positioned itself as a crucial infrastructure provider for companies needing reliable treasury flows in challenging markets. Their partnerships with industry leaders like Terrapay and Ebanx demonstrate their capability to solve complex cross-border payment challenges.
For businesses frequently transacting with partners in emerging economies, Nilos offers distinct advantages over traditional payment platforms with their multi-currency business accounts, automated payment flows through a single API, and smart routing algorithms to optimize pricing in regions where other providers struggle.
3. N26 Business
N26 has established itself as one of Europe's premier digital banks, with strong offerings for both personal and business users across the Eurozone.
Strengths
- Fee-free ATM withdrawals across Europe
- Zero international card transaction fees
- Provides European IBAN for easy transfers
- Integrates with Wise for international transfers
- Excellent budgeting tools and savings features
Limitations
- Limited availability—primarily Eurozone countries
- Not available in the UK or US
- Euro-only accounts may limit functionality for global businesses
- International withdrawals outside Europe incur 1.5% fees
Best For
Self-employed professionals and SMBs operating primarily within the Eurozone who need a digital-first banking experience with strong expense tracking.
4. Airwallex
Founded in 2015, Airwallex positions itself as a comprehensive financial platform for global businesses, with particular strength in e-commerce and online payment processing.
Strengths
- Multi-currency accounts supporting 23+ currencies
- Integrated payment gateway for e-commerce businesses
- Virtual and physical cards with expense management tools
- Integration with major accounting platforms
- API access for custom implementations
Limitations
- Tiered pricing structure (similar to Revolut)
- Dedicated account management only available at higher plans (Accelerate tier: €999/month)
- Complex platform with potentially steep learning curve
- Exchange rate markup of 0.5% to 1% on all conversions
Best For
E-commerce businesses and companies needing both payment processing capabilities and expense management in one platform.
5. Monese Business
Monese offers a unique advantage for businesses operating between the UK and EU by providing both a UK sort code and EU IBAN without requiring proof of UK residency.
Strengths
- Multi-currency accounts in GBP, EUR and Romanian leu
- Easy account opening for EEA citizens without UK address proof
- Virtual cards and joint accounts available
- Interest-bearing savings options
- Interest-free credit builder for improving business credit
Limitations
- Low limits on international spending allowances
- Higher costs for international transfers compared to specialized providers
- No FSCS protection (uses e-money protection with PrePay Solutions)
- Limited business-specific features compared to competitors
Best For
EEA citizens needing UK banking facilities without UK residency, and businesses operating across UK-EU borders.
6. Payoneer
Payoneer specializes in facilitating cross-border payments, particularly for freelancers, online sellers, and marketplace businesses.
Strengths
- Hold and send funds in 70+ currencies
- Strong integration with major e-commerce platforms and marketplaces
- Excellent for mass payout capabilities to suppliers and contractors
- Physical and virtual cards available in USD, GBP, EUR and CAD
- Free account opening and maintenance
Limitations
- High percentage-based fees for most international payments (up to 3%)
- Card transactions with currency conversion incur 3.5% fee
- Limited FX risk management capabilities
- Not focused specifically on SMB needs
Best For
Freelancers, marketplace sellers, and businesses that need to make mass payments to contractors around the world.
7. Starling Bank Business
As an award-winning UK challenger bank, Starling offers a comprehensive digital banking solution with strong business-specific features.
Strengths
- Free business account with no monthly fees
- Full UK banking license with FSCS protection
- Integration with major accounting software
- Free UK bank transfers and multi-user access
- Business overdraft and loan options available
- 24/7 chat-based customer support
Limitations
- Limited to UK businesses
- No EUR and USD accounts for new business customers
- Some features require paid add-ons (Business Toolkit: £7/month)
- Not specialized for high-volume international transactions
Best For
UK-based SMBs that need a comprehensive digital banking solution with some international payment capabilities.
8. Ebury
Ebury is a financial services provider specializing in foreign exchange services and international payments for businesses with significant cross-border operations.
Strengths
- Supports payments in 130+ currencies with local details in 29 currencies
- Advanced FX hedging tools and forward contracts
- Trade finance solutions including invoice financing
- Mass payment capabilities for multiple international transactions
- ERP system integration capabilities
Limitations
- Complex, tailored pricing structure that lacks transparency
- Less user-friendly platform compared to newer competitors
- No debit cards offered
- Limited payment tracking capabilities
Best For
Established businesses with significant international trade exposure needing both payment and financing solutions.
9. Neon (For Swiss Businesses)
Neon is a Swiss digital bank that offers competitive business accounts for companies based in Switzerland or neighboring countries.
Strengths
- Free business account with Swiss IBAN
- Competitive exchange rates for international transfers
- Virtual and physical Mastercard with spending controls
- FINMA regulation and deposit protection
- User-friendly mobile app with expense tracking
Limitations
- Only available for businesses registered in Switzerland
- Limited currency account options
- Fewer business-specific features than some alternatives
- Limited international payment capabilities
Best For
Swiss businesses looking for a digital banking solution with some international payment capabilities.
10. Nilos
Nilos has established itself as a specialized liquidity network empowering businesses with faster and cheaper cross-border payments in emerging markets.
Strengths
- Multi-currency business accounts with extensive emerging market coverage
- Operates in 15+ regions across Africa, LATAM, MENA, and SEA
- 20+ bank/LP partnerships for optimal routing and liquidity
- Automated payment flows through a single API
- Smart routing algorithms to optimize pricing
- Increases settlement speed by up to 10x
Limitations
- Custom pricing structure may be less predictable for some businesses
- Primary focus on emerging markets rather than developed economies
- Specialized solution that may be overkill for businesses with simple needs
Best For
Global businesses, fintechs, remittance companies, and payment platforms requiring reliable, cost-effective solutions for emerging market transactions. Particularly valuable for companies managing treasury operations across multiple challenging jurisdictions.