* Transferwise has been profitable for a little while now.

* Their pricing if fairly transparent and they're always upfront when they need to increase some fees. I could be wrong, but it looks like they're trying to stay competitive but not take part in a race to the bottom.

* They haven't been trying to recruit new customers as aggressively as Revolut.

* Their MasterCard is a little bit more lenient with offline transactions, which can sometimes be a problem with Revolut.

* On the other hand, the mobile app is a bit bland. It does the job, but the UX isn't as good.