Revolut alternatives for Singapore businesses include WorldFirst, Wise Business, Airwallex, YouBiz, Payoneer, Aspire and Wallex, each offering multi‑currency accounts, business cards and differing fee structures for international payments. Revolut Business itself operates four plans in Singapore priced from S$0 to S$417 per month; Revolut’s Basic plan includes zero fee‑free international transfers and only five fee‑free local transfers per month, with additional fees applying beyond the plan allowance.
Revolut alternatives in Singapore
WorldFirst
WorldFirst provides a multi‑currency World Account for businesses that need to send, hold and receive payments in 20+ currencies. The World Card is a virtual multi‑currency card with up to 20 virtual cards and supports payments in 150+ currencies. There are no fees to open a World Account or to receive payments through it. Paying in any of the 15 supported currencies incurs no fee provided the account holds sufficient funds in that currency. WorldFirst supports sending payments in 100+ currencies across 200+ countries and regions, receiving payments from 130+ marketplaces and gateways (including Amazon, Shopify, Stripe and Etsy), free instant transfers between World Account holders, forward contracts for Singapore businesses, and integrations with Xero and NetSuite.
Fee summary (checked in September 2026): account opening fee: Zero; monthly fee: Zero; fee for sending payments: local transfers (non‑SWIFT) free, international transfers (SWIFT) USD 1; fee for receiving payments: Zero; currency conversion: up to 0.6%; card issuance: up to 20 virtual cards at no cost.
Wise Business
Wise Business offers a multi‑currency account and a linked business card, allowing holding and receiving 22+ currencies and spending directly from those balances. Up to three business virtual cards are available. A one‑time setup fee of S$99 is charged to access local currency account details and linked business cards. Fees vary by currency: sending payments from 0.19% (varies by currency), currency conversion from 0.19%, receiving payments is zero for supported domestic payments while SWIFT fees apply. The first card is free; additional cards cost S$4 each.
Fee summary (checked in September 2026): account opening fee: S$99 one‑time; monthly fee: Zero; fee for sending payments: from 0.19% (varies by currency); fee for receiving payments: Zero for supported domestic payments; SWIFT fees apply; currency conversion: from 0.19%; card issuance: Zero for first card, additional cards S$4 each.
Airwallex
Airwallex offers a multi‑currency business account supporting 20+ currencies and provides company and employee cards that can spend from supported multi‑currency balances with spending controls. Plans range from S$0 to S$399/month. Local transfers to 120+ countries have no sending fee; SWIFT transfers cost between US$20 and US$35. Receiving payments directly into local currency accounts is free; fees for receiving via payment links or APIs vary. Currency conversion is 0.4% above the interbank rate for major currencies and 0.6% for other currencies. Card issuance has no fee but the number of cards depends on the pricing plan.
Fee summary (checked in September 2026): account opening fee: Zero; monthly fee: Plans start from S$0 to S$399/month; fee for sending payments: Zero for local transfers to 120+ countries, SWIFT US$20–US$35; fee for receiving payments: receiving into local currency accounts free, variable for payment links/APIs; currency conversion: 0.4% (major currencies) or 0.6% (other); card issuance: No fee, quantity depends on plan.
YouBiz
YouBiz provides a multi‑currency business account and a corporate Mastercard for company and team spending. The account supports exchanging, holding and receiving funds in nine currencies and sending payments in 20 currencies with no FX fees on eligible card transactions. Physical and virtual cards can be linked to the account for business expenses.
Fee summary (checked in September 2026): account opening fee: Zero; monthly fee: Zero; fee for sending payments: fees vary by transfer type and currency; fee for receiving payments: Zero; currency conversion: Zero FX fees on eligible card transactions; card issuance: Zero.
Payoneer
Payoneer provides a multi‑currency business account with local receiving account details in 10+ currencies including USD, EUR, GBP, SGD, AUD and CAD. Payoneer offers cards that are single‑currency, with each card supporting one of the available currencies. Fees for sending payments start from 1% depending on the payment method. Receiving payments from other Payoneer users is free; fees vary by payment method and receiving currency. Currency conversion for balance conversion is 0.5%. Standard card issuance is zero, with an annual card fee of USD 29.95 for the card.
Fee summary (checked in September 2026): account opening fee: Zero; monthly fee: Zero; fee for sending payments: From 1% (depending on method); fee for receiving payments: Zero from Payoneer users, varies otherwise; currency conversion: 0.5% for balance conversion; card issuance: Zero for standard issuance, annual card fee USD 29.95.
Aspire
Aspire offers multi‑currency accounts and business cards for teams, with accounts available in SGD, USD, EUR, GBP, MYR, PHP, IDR and VND and the ability to send and receive payments in 30+ currencies. Plans start from S$0 to S$15/month. Receiving payments is free; sending payments incur fees on the Basic plan. The first physical card per user is free; additional physical cards cost S$15.
Fee summary (checked in September 2026): account opening fee: Zero; monthly fee: Plans start from S$0 to S$15/month; fee for sending payments: Basic plan fees apply to international transfers; fee for receiving payments: Zero; currency conversion: Basic exchange rate applies; card issuance: Zero for first physical card per user, additional physical cards S$15. Prices exclude GST.
Wallex
Wallex offers a multi‑currency business account that can receive funds in 35 currencies and send or convert funds in 47 currencies. Pricing follows a pay‑as‑you‑go structure with volume‑based discounts as transaction volume increases. Specific fees vary by payment mode, currency, destination and transaction.
Fee summary (checked in September 2026): account opening fee: Not stated; monthly fee: Zero; fee for sending payments: Varies by mode, currency and destination; fee for receiving payments: Varies by currency and payment method; currency conversion: Varies by currency and transaction; card issuance: Not stated.
Choosing between providers
There is no single alternative that fits every business. The right choice depends on international transfer volume, the number of currencies required, card needs, how payments are received, and how a provider’s fee structure aligns with actual usage. Some providers listed are commonly used by freelancers and solopreneurs for receiving international payments and multi‑currency spending, but eligibility and product suitability vary and should be checked with each provider before applying.
This article is informational and does not constitute legal or professional advice. Fees and details above were checked in September 2026.
