Revolut vs TorFX
Two money-transfer brands can both be reputable and still suit completely different customers. This comparison checks the practical decision points: the final recipient amount, delivery method, speed, transfer size, support, account features and currency-risk tools.
Provider facts checked 25 July 2026. Live prices and availability can change by route.
Best for: Frequent travellers, app users and people who want transfers within a wider multi-currency money account
Best for: Property, emigration, sizeable personal transfers and businesses wanting an account manager
The short verdict
TorFX has the broader fit across our current comparison criteria, but that is not a reason to choose it blindly. Revolut is the more natural fit for frequent travellers, app users and people who want transfers within a wider multi-currency money account. TorFX is stronger for property, emigration, sizeable personal transfers and businesses wanting an account manager.
For a real transfer, request both quotes within the same few minutes and compare the exact amount arriving. That one number captures the transfer fee and exchange-rate margin together.
Revolut and TorFX compared
These are service characteristics, not a live price promise. Routes, eligibility and verification can change the available options.
| Decision point | Revolut | TorFX |
|---|---|---|
| Best suited to | Frequent travellers, app users and people who want transfers within a wider multi-currency money account | Property, emigration, sizeable personal transfers and businesses wanting an account manager |
| Pricing structure | Plan, route, payment type and exchange usage affect cost. Standard-plan international transfer and fair-usage fees may apply and are shown in-app. | No TorFX transfer fee is advertised; the FX margin is contained in the customer exchange rate. |
| Exchange rate | Revolut applies its exchange rate and any plan-specific exchange fee. Check fair-usage allowances and the final in-app quote. | A specialist provides the customer rate. Compare the final recipient amount against other live quotes. |
| Minimum | No general comparison minimum; route limits apply | Published and practical minimums can differ by market and service; confirm when requesting a quote. |
| Reach | International bank transfers and multi-currency functions across supported countries and currencies. | 40+ currencies with international bank-account delivery across supported destinations. |
| Typical delivery | Transfers between Revolut users are usually instant. External bank-transfer timing depends on network and destination. | Common currencies can arrive the same day or within one to two working days after cleared funds. |
| Funding | Bank transfer and supported card funding | Bank transfer |
| Recipient options | Revolut user, bank account and supported card routes | Recipient bank account |
| Personal customers | Yes | Yes |
| Business customers | Yes, through separate plans | Yes |
| Account features | Multi-currency account, card and app with plan-based features | Online and app access alongside a personal account manager |
| Currency-risk tools | Rate alerts and automated exchanges; no traditional dealer-managed forward contract for ordinary personal users | Forward contracts, market orders and rate alerts for eligible transfers |
| Customer support | Primarily in-app support, with plan-dependent service levels | Telephone-led account management and online support |
Fees and exchange rates: compare the amount that arrives
Revolut pricing
Plan, route, payment type and exchange usage affect cost. Standard-plan international transfer and fair-usage fees may apply and are shown in-app.
Rate method: Revolut applies its exchange rate and any plan-specific exchange fee. Check fair-usage allowances and the final in-app quote.
TorFX pricing
No TorFX transfer fee is advertised; the FX margin is contained in the customer exchange rate.
Rate method: A specialist provides the customer rate. Compare the final recipient amount against other live quotes.
Match the transfer
Use the same send amount, currency pair, funding method and recipient method.
Quote at the same time
Foreign-exchange markets move. Old screenshots and introductory offers are not like-for-like evidence.
Compare what arrives
Use the recipient amount after all provider fees. Ask whether intermediary-bank deductions remain possible.
Money Transfer Comparison does not rank a provider as cheapest from a transfer-fee label alone. A wider exchange-rate margin can outweigh a zero-fee claim.
Where each provider is strong, and where it is not
Revolut
A broad financial app for holding, exchanging, spending and sending multiple currencies, with plan-based limits and pricing.
Reasons to shortlist it
- Broad everyday account and card functionality
- Fast transfers within the Revolut network
- Useful for holding and spending multiple currencies
Reasons to look elsewhere
- Plan limits and fees require careful reading
- No cash-pickup network
- Less suitable for customers wanting a dedicated FX dealer
Usually not the right fit for: Cash pickup, dealer-led large transfers and forward contracts
TorFX
A currency specialist centred on personal account managers, larger international transfers and risk-management tools.
Reasons to shortlist it
- Personal account-manager model
- Strong fit for large or planned transfers
- Forward and market-order tools
Reasons to look elsewhere
- No public one-size-fits-all FX margin
- No cash-pickup network
- Not intended as an everyday multi-currency account
Usually not the right fit for: Cash pickup, mobile wallets and small card-funded remittances
Safety, regulation and customer-money protection
“Regulated” is not a complete answer. Confirm the exact company named in your terms, find it on the relevant regulator’s register, and distinguish safeguarding from bank-deposit insurance.
Revolut
Protection depends on the product and legal entity. UK customers should check whether money is held as an eligible bank deposit or safeguarded e-money; the protections are not interchangeable.
TorFX
The contracting and regulatory entity depends on customer location. UK customers should verify the named entity and FCA register details before sending.
For a high-value transfer, send a small test payment where practical, verify recipient details independently, enable two-factor authentication and never accept an unexpected request to change bank details without a second-channel check.
Choose by transfer type, not brand recognition
Define the non-negotiable
Is this a property deadline, a family cash pickup, a business batch run or money you need to hold and spend?
Confirm eligibility
Check sender residence, destination, currency, transfer size, funding source and recipient method before comparing price.
Document the quote
Record the time, fee, rate, recipient amount and promised delivery. For large transfers, ask when the rate expires.
Compare more relevant alternatives
The right shortlist changes with the transfer. These live comparisons connect to at least one provider on this page.
Frequently asked questions
Which is better, Revolut or TorFX?
There is no universal winner. Revolut is strongest for frequent travellers, app users and people who want transfers within a wider multi-currency money account, while TorFX is strongest for property, emigration, sizeable personal transfers and businesses wanting an account manager. Compare live recipient amounts for your route before deciding.
Which is better for a large international transfer?
TorFX has the stronger fit in this comparison for a large or complex bank-to-bank transfer. For property or business payments, obtain at least two live quotes and confirm documentation before fixing a rate.
Which is better for small transfers or remittances?
Revolut has the stronger small-transfer and remittance fit in the current methodology. The real result still depends on the corridor, funding method and recipient payout option.
Which is better for business payments?
Close call scores more strongly for business use in this comparison. Check account eligibility, batch-payment needs, local receiving details and any forward-contract requirements.
Which is faster?
Revolut has the stronger general speed profile, but neither provider can guarantee every transfer time. Funding cut-offs, banking hours, destination networks and compliance reviews all matter.
How should I compare the exchange rates?
Enter the same send amount, currency pair, payment method and delivery method with both providers at nearly the same time. Compare the exact amount the recipient receives after every fee. An advertised zero fee does not mean zero exchange-rate cost.
Are these companies banks?
Do not assume so. Payment institutions, electronic money institutions and banks have different customer-money protections. Read the named regulatory entity and safeguarding or deposit-protection disclosure before funding the transfer.
How this comparison was researched
This page combines Money Transfer Comparison’s long-form provider reviews with current official product, pricing and regulatory pages. We avoid volatile app-store counts and promotional rates as decision shortcuts. Where a number changes by route, the comparison says so.
Comparison editor: Money Transfer Comparison editorial team. Page last updated 25 July 2026.
Revolut evidence
MTC review, by Matt Di Vincere (Chief Editor). Review page last changed 11 November 2024.
- Revolut: UK Standard plan fees
- Revolut: bank transfer fee guidance
- Revolut: UK regulatory information
Provider record checked 25 July 2026.
TorFX evidence
MTC review, by Russell Gous. Review page last changed 1 August 2025.
Provider record checked 25 July 2026.
Editorial result: inclusion and verdict are based on product fit and evidence, not commission. A commercial relationship may affect how Money Transfer Comparison is paid if a reader later opens an account, but it does not make a provider the winner.
Ready to compare the live result?
Check both providers with the same transfer details. For a large transfer, a second quote can be worth considerably more than a headline fee claim.