Revolut vs Stripe: Which is Better?
Revolut and Stripe are both financial platforms, but they serve different purposes:
- Revolut is a digital banking app offering multi-currency accounts, spending, investing, and personal/business finance solutions.
- Stripe is a payment processing platform designed for businesses to accept online payments globally.
1. Key Differences: Revolut vs Stripe
| Feature | Revolut | Stripe |
|---|---|---|
| Main Purpose | Digital banking & financial services | Online payment processing |
| Target Users | Individuals & businesses | Businesses & developers |
| Multi-Currency Support | Yes (30+ currencies) | Yes (135+ currencies) |
| Card Payments | Yes (physical & virtual cards) | Yes (payment processing only) |
| Online Payments | Yes (but limited) | Yes (extensive options) |
| Payment Processing | Limited | Advanced (checkout, invoicing, subscriptions) |
| Crypto & Stocks | Yes | No |
| IBAN Account | Yes (for some users) | No |
| Fees | Low for banking, some fees for businesses | Transaction-based (varies by country) |
| Developer APIs | Limited | Extensive |
| Best For | Personal finance & business banking | Online businesses & e-commerce |
2. Features Comparison
🔹 Payment Processing
- Revolut allows businesses to accept payments, but it’s not as feature-rich as Stripe.
- Stripe specializes in online payments, offering integrations with Shopify, WooCommerce, and other platforms.
🏆 Winner: Stripe (best for payment processing).
🔹 Multi-Currency Support
- Revolut supports 30+ currencies and offers real exchange rates.
- Stripe supports 135+ currencies, making it better for global transactions.
🏆 Winner: Stripe (supports more currencies).
🔹 Business Features
- Revolut offers business banking, corporate cards, and expense management.
- Stripe is a pure payment processor with invoicing, billing, and checkout tools.
🏆 Winner: Depends on needs (Revolut for banking, Stripe for payments).
🔹 Crypto & Stocks
- Revolut allows users to buy, sell, and trade cryptocurrencies & stocks.
- Stripe does not offer crypto or stock trading.
🏆 Winner: Revolut (for crypto & stocks).
🔹 Developer APIs
- Revolut has limited APIs for business integrations.
- Stripe offers powerful APIs for developers to integrate payments into websites & apps.
🏆 Winner: Stripe (best for developers).
3. Which One Should You Choose?
| Choose Revolut if… | Choose Stripe if… |
|---|---|
| You need a digital bank account with spending & saving features. | You want to accept online payments globally. |
| You need multi-currency accounts for personal or business use. | You need developer-friendly payment APIs. |
| You want to trade stocks & crypto. | You run an e-commerce store or SaaS business. |
| You need an alternative to traditional banking. | You need subscription billing & invoicing. |
4. Conclusion: Which is Better?
✔ For business banking & personal finance → Revolut is better.
✔ For payment processing & online businesses → Stripe is better.
Overall Winner? ✅ Depends on your needs:
- Revolut is best for banking, currency exchange, and financial management.
- Stripe is best for payment processing, invoicing, and developer integrations.