8 Best Revolut Business Alternatives for 2026

Growing companies need business banking platforms that get out of their way: instant support when payments freeze, reliable transaction processing that doesn't randomly block legitimate transfers, and phone access when issues can't wait for in-app chat. Revolut Business delivers on multi-currency features but falls short on these essentials. This guide covers alternatives that solve these gaps and how to match specific platforms to your actual needs.

Why explore alternatives to Revolut Business

Revolut Business provides multi-currency accounts, international payments, and corporate card management for business operations. The platform offers both virtual and physical corporate cards with automated recurring payments and bulk payment processing. Recent additions include multi-entity management for businesses with multiple legal structures and direct CNY transfers to China via SWIFT.

The platform's structure differs from traditional banking in a few ways that matter for decision-making. Support operates through in-app chat with email options for formal complaints, though without dedicated phone support for urgent situations. Partner banks hold funds rather than Revolut directly, with FDIC insurance up to $250,000 through institutions like Sutton Bank and Community Federal Savings Bank.

1. Ramp: Spend management with global payments

Ramp combines corporate cards, accounts payable automation, and international payments in one platform. The system handles payments to 195 countries in over 40 currencies with automatic accounting sync.

Why businesses choose Ramp over Revolut Business

• Single platform for multiple functions: Cards, vendor payments, and international transfers work together without switching between tools or reconciling data across different systems.
• Native NetSuite integration: Ramp’s NetSuite integration provides real-time sync of transactions, automatic 3-way matching, and support for global entities. Most platforms require middleware that delays synchronization.
• Automated expense processing: Receipt matching happens in under 90 seconds with AI-powered categorization that eliminates manual reconciliation work for finance teams.

When not to use Ramp

Ramp focuses on U.S.-based companies with international operations. If your company is headquartered outside the United States, you'll need a platform with broader geographic availability. The $20 flat fee for SWIFT USD transfers adds up quickly for high-volume, low-value payments. Companies with significant foreign currency exposure needing forward contracts to lock in rates months in advance will need to combine Ramp with a separate treasury platform.

Pricing

Ramp's free standard plan includes unlimited corporate cards and expense management. Ramp Plus costs $15 per user monthly. Companies need at least $25,000 in a U.S. business bank account to qualify, which can exclude early-stage startups or bootstrapped companies with lower cash reserves.

2. Brex: Financial platform for startups

Brex delivers corporate cards, business banking, and spend management with real-time tracking, primarily serving US-based startups and growing companies. For qualified businesses with sufficient cash position, Brex offers corporate cards without personal guarantees.

Why businesses choose Brex over Revolut Business

• No personal guarantees required: Founders with substantial cash reserves can access corporate cards without putting personal assets at risk for company spending.
• Integrated travel and expense: Travel booking connects directly with expense tracking and automated policy enforcement, reducing the need for separate travel management tools.
• Local currency cards: Multi-currency cards let international teams spend in local currencies to avoid foreign transaction fees on regular purchases.

When not to use Brex

Brex operates as a financial services platform rather than a traditional bank, which some companies prefer to avoid. The platform generates revenue through interchange fees on card spending, meaning companies need to use cards extensively to justify the platform. For smaller teams without substantial travel needs or lower monthly card spend, simpler alternatives might deliver better value.

Pricing

Brex operates on three pricing tiers. The Essentials Plan costs $0 per user monthly, Premium costs $12 per user monthly (when billed annually), and Enterprise uses custom pricing. For a 50-employee company on Premium, total costs reach $750 monthly or $9,000 annually.

3. Mercury: No-fee banking for US operations

Mercury provides business banking at no monthly cost for the standard tier with no minimum balance requirements. Advanced features start at $35 per month for companies needing capabilities like enhanced NetSuite integrations.

Why businesses choose Mercury over Revolut Business

• Zero monthly fees for core banking: Standard tier includes business banking, employee debit and credit cards, and spending controls without subscription costs for primarily domestic operations.
• Native accounting integrations: Direct connections to QuickBooks Online, Xero, and NetSuite enable automatic transaction sync without third-party middleware for most mid-market companies.
• API access for custom workflows: Built-in API supports automated financial workflows and custom integrations for companies with specific technical requirements.

When not to use Mercury

Mercury is primarily USD-focused and may not suit companies with significant multi-currency requirements or international payment needs. International transaction fees apply for non-USD currencies. Companies conducting genuine international business with regular foreign currency payments should evaluate Wise Business, Airwallex, or Revolut Business for superior multi-currency support.

Pricing

Mercury's free tier includes core banking and basic expense reporting. The $35 monthly paid tier adds enhanced NetSuite integrations, advanced invoicing, and Treasury account management. Non-USD card transactions and currency exchange carry additional fees.

4. Wise Business: Low-cost international transfers

Wise Business handles international payments with mid-market exchange rates and transparent fees. The platform supports multiple currencies with local account details in various countries for receiving payments without conversion fees.

Why businesses choose Wise Business over Revolut Business

• Mid-market FX rates: Transparent exchange rates match the rates banks use when trading with each other, avoiding the markups traditional banks add to currency conversions.
• No monthly subscription fees: One-time setup cost with no ongoing subscription charges means total costs remain predictable for companies processing regular international transfers.
• Batch payment processing: Multiple international transfers can process simultaneously with saved recipient templates, reducing time spent on repetitive vendor payments.

When not to use Wise Business

Wise Business excels at straightforward international payments but lacks spend management features like expense automation workflows and corporate card programs. Companies needing both international payments and expense automation should evaluate Airwallex or Brex instead. The platform also doesn't offer forward contracts for companies needing to lock in future exchange rates.

Pricing

Wise charges a one-time setup fee with no recurring subscription costs. FX conversion fees vary by currency pair and should be confirmed on Wise's official pricing page. The platform integrates natively with QuickBooks Online, QuickBooks Desktop, Xero, FreeAgent, Zoho Books, and Wave Accounting.

5. Airwallex: High-volume international payments

Airwallex provides multi-currency accounts with local bank account details in major markets. The platform's batch payment processing handles large volumes of recipients in single transactions.

Why businesses choose Airwallex over Revolut Business

• Free local transfers: Local rail transfers to many countries generate savings for frequent international payments, particularly when combined with batch processing capabilities.
• Native ERP connectivity: Direct NetSuite integration eliminates manual reconciliation work for finance teams managing complex ERP implementations alongside QuickBooks and Xero connections.
• Unlimited virtual cards: No documented volume restrictions for team spending controls let companies issue dedicated cards for specific vendors, projects, or spending categories.

When not to use Airwallex

Airwallex's pricing structure works best for companies processing significant transaction volumes. If you're making only a handful of international payments monthly, the platform's enterprise focus might be unnecessary. The setup process requires more technical configuration than consumer-focused alternatives, particularly for NetSuite integration. Some transfer types may include receiving fees that significantly impact costs for certain business models.

Pricing

The Explore plan is free with a £10,000 balance, otherwise £19 monthly. FX rates start at 0.5% above interbank for major currencies. SWIFT transfers cost £10-20 depending on destination. Some transfer types may include receiving fees that affect total costs.

6. Navan: Travel and expense management

Navan unifies travel bookings, expense tracking, approvals, and corporate cards in one platform. Companies can book flights, hotels, and rental cars directly within the expense management system.

Why businesses choose Navan over Revolut Business

• Pre-booking policy enforcement: Policy rules apply during the booking process rather than after purchases complete, preventing out-of-policy spending before transactions happen.
• Automated expense capture: Travel bookings automatically generate expense entries without manual receipt submission, reducing administrative work for frequent travelers.
• Unified reporting: Single system for both travel spending and general expenses eliminates reconciliation between separate travel booking and expense management platforms.

When not to use Navan

Navan is built for companies with moderate to high business travel needs. For businesses with minimal travel spending but substantial expense management requirements, alternatives like Ramp or Brex offer more spend management automation without travel-specific features. The platform's value comes primarily from integrating travel and expenses, which matters less when travel isn't a significant cost center.

Pricing

Navan offers a free plan for small teams and $15 per user monthly for most businesses. Enterprise pricing requires direct sales engagement. The platform delivers value primarily for companies with moderate to high business travel requirements.

7. Payhawk: Spend management and procurement

Payhawk integrates corporate cards, accounts payable automation, and procurement tools in one platform. Receipt matching uses OCR technology and mobile capture to connect transactions to documentation.

Why businesses choose Payhawk over Revolut Business

• Consolidated spend management: Corporate cards, expense management, bill pay, and procurement capabilities reduce complexity from managing multiple vendor relationships and reconciling data across systems.
• Multi-currency card support: International spending with competitive FX rates helps companies with cross-border operations manage currency conversions on employee purchases.
• Native ERP connections: Direct integrations with major accounting and ERP systems automate data synchronization without manual exports and imports for monthly close processes.

When not to use Payhawk

Payhawk's platform approach suits companies seeking comprehensive spend management rather than just business banking. For companies only needing basic international payments without procurement and AP automation features, simpler alternatives might be more cost-effective. The platform requires investment in implementation and training to realize full value from its integrated capabilities.

Pricing

Payhawk uses tiered pricing for companies with 50 to 500 employees. Specific costs require direct sales engagement. The platform operates on a subscription model with pricing based on feature requirements and team size rather than hidden per-transaction fees.

8. SAP Concur: Enterprise travel and expense

SAP Concur provides enterprise-grade travel and expense management with compliance capabilities and extensive ERP integrations. Full-featured travel booking integrates with expense management and compliance controls.

Why businesses choose SAP Concur over Revolut Business

• Sophisticated approval hierarchies: Advanced policy controls handle complex rule requirements across departments and entities with exception-based review systems for companies needing detailed oversight.
• Deep SAP integration: Native ERP connectors improve expense and travel data flow into core financial systems for companies already standardized on SAP infrastructure.
• Regulatory compliance controls: Built-in audit trail documentation and compliance features address enterprise requirements for companies with strict regulatory needs.

When not to use SAP Concur

SAP Concur serves a distinct market segment compared to modern fintech alternatives. The platform is specifically designed for companies in the 200 to 500 employee range requiring enterprise-grade travel and expense management with strong compliance controls. For organizations with moderate travel needs or those lacking SAP enterprise systems, more focused alternatives like Navan or Payhawk may deliver better value at lower implementation cost.

Pricing

SAP Concur uses enterprise pricing negotiated based on company size, user count, and feature requirements. The platform typically involves implementation costs, per-user subscription fees, and potential professional services charges for companies in the 200 to 500 employee range.

How to choose the best Revolut Business alternative

Your accounting system constrains platform choices more than initial evaluation suggests. Companies running NetSuite need platforms offering native integration rather than third-party middleware. Ramp, Airwallex, and SAP Concur provide confirmed NetSuite connectivity, while QuickBooks and Xero users have broader options.

Total cost requires looking beyond the rate sheet. Pull your last quarter's payment data and look at what you actually spent across wire fees, FX markups, and settlement delays. Time saved through automation matters too. Platforms like Ramp that automate expense management and AP workflows can recover hours monthly, which represents significant annual capacity at typical finance manager salary levels.

Your primary use case determines platform fit. Companies processing high volumes of international payments benefit from Wise Business or Airwallex's competitive FX rates and free local transfers. Teams with significant travel spending should evaluate Navan's integrated booking and expense platform. Mercury works well for US-focused operations prioritizing zero fees, while Brex and Ramp excel at spend management automation with strong accounting integrations.

Frequently asked questions

How do I know when to switch business banking platforms?

The clearest signal is when daily workarounds cost more time than switching itself. If your finance team spends hours weekly on manual processes that should be automated, if support response times delay critical operations, or if transaction limits require constant plan upgrades, you've outgrown your current platform.

Which Revolut alternative offers the best value for international payments?

Wise Business provides competitive international payments with transparent per-transfer fees and competitive FX rates with no recurring monthly fees. For companies needing both international payments and expense automation, evaluate Airwallex or Ramp instead.

Do any Revolut alternatives offer free plans for small businesses?

Mercury offers business banking with $0 monthly fees and no minimum balance requirements. Ramp and Brex offer free tiers though with qualification requirements like maintaining substantial balances in US bank accounts.

Which platform works best for companies with high business travel needs?

Navan delivers value through integrated travel booking and expense management that eliminates friction from using separate systems. SAP Concur provides enterprise-grade capabilities for large enterprises with complex requirements, though with higher costs and implementation complexity.