Revolut alternatives in France: what options are available?

Looking for an alternative to Revolut in France, Europe, or Canada? Here’s an overview of the main online banks and payment providers that offer similar services.

If you’re interested in an account that lets you make foreign currency transactions at a lower cost, consider Wise. You’ll get access to the mid-market exchange rate, without hidden markups or limits.

Discover the Wise account

Revolut alternatives in Europe

N26

N26 is a German mobile bank that offers several subscription plans, including a free option with a virtual card (not physical).¹

Like Revolut, N26 allows you to invest in cryptocurrencies. The provider also enables international transfers through a partnership with Wise.¹

Bunq

Bunq is a Dutch fintech with a European banking licence. It offers current accounts starting from €3.99/month, along with a free savings account that pays 2.01% interest on your deposits.²

Although Bunq isn’t the cheapest option, it provides some excellent features: instant payments, automatic split transfers, and payment requests.

Some plans even offer a metal card, similar to Revolut’s.²

Vivid

Vivid is a German payment provider that comes with several advantages:³

• No fees on international payments and transfers.
• Up to €500 in free ATM withdrawals (or €1,000 with the Prime plan).⁴
• €20 to €100 in monthly cashback rewards.
• Investment options in ETFs, stocks, or cryptocurrencies.

Yuh

Yuh is a Swiss fintech created by Swissquote and PostFinance. Signing up gives you access to a multi-currency account with no holding fees.

You can also buy cryptocurrencies, stocks, or ETFs directly from the app.

The main downside is withdrawal pricing: you get one free withdrawal per week in Switzerland, and international withdrawals cost CHF 4.90 each.⁵

Revolut alternatives in Canada

Tangerine

Tangerine is Canada’s leading online bank. Backed by Scotiabank, it offers a full range of services — from chequing and savings accounts to business accounts and investment products.

Tangerine is designed for local use within Canada: Interac e-Transfers are free of charge.⁶

Simplii

Simplii Financial is supported by the Canadian Imperial Bank of Commerce (CIBC). It offers a no-fee chequing account, savings accounts, loans, and investment solutions.

Simplii is not a fintech — it’s a full-service bank, ideal for those looking for more traditional products.

EQB (EQ Bank)

EQ Bank is a 100% digital institution known for its high-interest savings accounts.

The “Savings Plus Account” pays 2.60% interest with 10 days’ notice, or 2.75% with 30 days’ notice.⁷

Customers also get free Interac e-Transfers, no-fee withdrawals across Canada, and a cashback program with the EQB card — all without account maintenance fees.⁸

Revolut alternatives in France

Monese

Monese offers multiple plans, including a free one. You can sign up via the app or website and get a euro account with a payment card.

Transfers between Monese accounts are free. SEPA transfers are also commission-free.⁹

SWIFT transfers, however, can incur up to 2% in fees depending on your plan. Premium plan users benefit from fee-free transfers.⁹

Sumeria (formerly Lydia)

Sumeria is a French fintech that specialises in mobile payments. It offers three subscription tiers, including a free one.

The free plan allows up to €2,000 in monthly payments and €250 (or three transactions) in withdrawals. Beyond those limits, a fee of up to 1.5% per excess transaction applies.¹⁰

How to choose the best Revolut alternative

Today’s digital banking options are more varied than ever. To find the right one, start by identifying what you really need:

• Card or account for local use: Check if payments and withdrawals in your domestic currency are free.
• International payments: If you need an affordable solution for spending or sending money abroad, look for a multi-currency account that uses the mid-market exchange rate (like Wise). This helps you avoid hidden markups.
• Ease of use: Is the mobile app user-friendly? Does it include useful tools like budgeting or group payments?
• Investment features: If you want to buy stocks, ETFs, or crypto, check whether the provider offers integrated investment options.
• Cashback: If you shop frequently, look for a provider with a rewards program to earn cashback effortlessly.
• Savings: Some banks and fintechs offer interest on your account balance — a good way to grow your funds passively.

Need more advanced banking products?

If you require a loan or more advanced savings solutions, consider an online bank backed by a major financial group. These institutions offer more comprehensive services while maintaining flexibility.

Payment providers like Revolut or Wise focus on day-to-day use — whether in France or abroad. They’re ideal for managing your money on the move, but may not offer full-scale banking services.

Wise: a smart, low-cost alternative to Revolut

The Wise account offers many of the same benefits as Revolut — but with simpler pricing and no monthly fees.

Key features:

• No subscription: Opening an account is free. You only pay €7 for card delivery, and then only for what you use.
• Mid-market exchange rate: All foreign currency conversions use the mid-market rate, without hidden markups or limits.
• Local account details: Get local account details in 8+ different currencies to receive transfers as if you had a local account.

Open your Wise account

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.