Revolut is one of the most widely downloaded financial apps in Australia. It offers multi-currency accounts, travel cards, budgeting tools, crypto trading and international transfers all in one place. For the right use case, it is genuinely useful.

But Revolut is not a remittance service. It is a multi-currency financial platform that also offers international transfers. For migrants in Australia who send money home regularly — to India, the Philippines, Vietnam, Nepal, Indonesia, the UK or the Pacific — the difference matters.

This guide compares OrbitRemit and Revolut directly on the things that matter most for regular senders: fees, exchange rates, corridor coverage and transfer speed.

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What each service is built for

	OrbitRemit	Revolut
Primary purpose	International money transfers for migrants	Multi-currency account, travel card, financial platform
Founded	2008, Wellington NZ	2015, London UK
Customers	Migrants in Australia and New Zealand sending money to 50+ countries	70+ million global users (as of early 2026)
Regulated in Australia	ASIC AFSL: 470646	ASIC authorised
Best for	Regular remittances to Asia-Pacific, Pacific Islands, UK	Travel spending, multi-currency accounts, occasional transfers

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Fees

OrbitRemit fees

OrbitRemit uses a flat-fee model — a fixed amount per transfer regardless of how much you send.

Corridor	AUD fee	NZD fee
AUD to INR (India)	$0 fee-free	$4
AUD to PHP mobile wallets (GCash etc.)	$0 fee-free	$4
AUD to PHP bank/cash pickup	$4	$6
AUD to VND (Vietnam)	$0 fee-free	$4
AUD to NPR (Nepal)	$0 fee-free	$4
AUD to IDR (Indonesia)	$4	$4
AUD to GBP (UK)	$0 fee-free	$0 fee-free
AUD to KRW (South Korea)	$0 fee-free	$0 fee-free
Most other corridors	$4	$4
All transfers above AUD/NZD $10,000	Fee-free	Fee-free

No exchange rate markup. No hidden margin. The rate shown in the app is the rate applied to your transfer.

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Revolut fees

Revolut’s fee structure is more complex and depends on your plan, the day of the week, and how much you have exchanged that month.

Exchange rate model: Revolut adds its own margin above the mid-market rate. During market hours on weekdays, the exchange rate is competitive. Outside market hours — weekends (Friday 5pm to Sunday 6pm Eastern Time) — an additional markup applies.

Weekend markup by plan:

Plan	Weekend markup	Monthly fee
Standard (free)	1%	$0
Plus	0.5%	Paid
Premium	0%	Paid
Metal	0%	Paid

Exchange limit: Standard plan users have a monthly exchange allowance. Once you exceed your limit, a 0.5% fair usage fee applies to all further exchanges regardless of day.

Transfer fees: In addition to the exchange rate, Revolut charges a transfer fee that scales with the amount sent and the destination. The exact fee depends on the currency, transfer type and your plan — check the Revolut app for the current fee before sending.

The practical impact of the weekend markup: If you send AUD $1,000 to the Philippines on a Saturday on the free Standard plan, a 1% weekend markup costs approximately AUD $10 on top of any transfer fee — in addition to Revolut’s exchange rate margin. This does not apply if you are on the Premium or Metal plan.

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Exchange rates

OrbitRemit

OrbitRemit does not add a margin to the exchange rate. The rate shown when you start a transfer is the rate applied when you confirm — it is locked at that moment and does not change. There is no weekend surcharge, no fair usage cap and no plan tier affecting the rate.

Revolut

Revolut takes the mid-market rate and adds a margin on top. During weekday market hours and within your plan’s exchange limit, this margin is competitive. Outside these conditions — weekends, above exchange limits, or on the Standard plan after hitting the monthly cap — additional fees apply.

For Standard customers, the weekend fee is 1%. For Plus customers, it is 0.5%. Premium, Metal and Ultra customers do not pay an additional fee at weekends.

What this means for regular senders: If you send money on the same day each fortnight and that day falls on a weekend, you are paying 1% more on every transfer (on the Standard plan) than you would on a weekday. For a AUD $500 transfer, that is AUD $5 extra per transfer — AUD $130 per year — just from the weekend timing.

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Corridor coverage

OrbitRemit

50+ countries with a specific focus on Asia-Pacific and Pacific Island corridors that matter most to migrants in Australia and New Zealand. Key corridors include direct delivery to:

• India: all major banks plus UPI
• Philippines: GCash, Maya, Coins.ph, GrabPay, all major banks, cash pickup
• Vietnam, Nepal, Indonesia, Bangladesh, Sri Lanka, Pakistan
• Pacific Islands: Fiji, Samoa, Tonga, Vanuatu, Papua New Guinea, Solomon Islands
• UK, Canada, Europe, South Korea, China

Revolut

160+ countries in more than 70 currencies. Revolut covers more countries and currencies than OrbitRemit, making it useful for less common corridors. However, delivery methods are primarily bank transfer — GCash, UPI, Pacific Island mobile wallets and cash pickup are not available on Revolut.

For migrants sending to GCash, UPI, eSewa or Pacific Island wallets: OrbitRemit is the stronger option — Revolut does not support these delivery methods.

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Transfer speed

OrbitRemit

Over 85% of transfers to Asia-Pacific destinations arrive within 2 hours. OrbitRemit uses direct local payment rails in major corridors rather than SWIFT correspondent chains.

Revolut

Depending on where you are sending, an international money transfer can arrive within one day, as a same-day transfer, or even as an instant money transfer. Speed varies by destination and transfer method.

For common Asia-Pacific corridors, OrbitRemit’s 85%+ within 2 hours track record is generally faster than Revolut’s typical bank transfer timeframes.

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Customer support

OrbitRemit

Human customer support in Tagalog, Hindi, Nepali, Vietnamese, Mandarin and English — available via live chat in the app. Purpose-built for migrants in Australia and New Zealand.

Revolut

In-app customer support in English. Revolut’s support is primarily AI-assisted chat with human escalation. Digital-only — no physical branches, but online help available 24/7 in-app. No dedicated multilingual support for Asia-Pacific migrant communities.

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Multi-currency account and travel features

This is where Revolut is genuinely strong — and where OrbitRemit does not compete.

Revolut offers:

• Hold and spend in 30+ currencies from a single account
• Physical and virtual debit card accepted in 150+ countries
• Competitive exchange rates for card spending overseas (weekday market hours, within plan limits)
• Budgeting tools, savings vaults, crypto and stock trading
• Travel insurance on paid plans
• RevPoints rewards on card spending
• Split bills with other Revolut users

OrbitRemit does not offer a multi-currency account, travel card or investment products. OrbitRemit is a dedicated money transfer service — it does one thing extremely well but does not replace a travel card or everyday banking app.

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Who should use each service

Use OrbitRemit if you:

• Send money regularly to India, Philippines, Vietnam, Nepal, Indonesia, the Philippines or Pacific Islands
• Want a flat, predictable fee with no weekend surcharge
• Need GCash, UPI, eSewa, bKash or Pacific Island wallet delivery
• Want to speak to customer support in your language
• Are on a tight budget and want fee-free transfers to major corridors

Use Revolut if you:

• Travel frequently and want a card that works in 150+ countries at competitive exchange rates
• Want to hold multiple currencies in one account
• Send money occasionally to less common corridors not covered by OrbitRemit
• Are on the Premium or Metal plan and want near-mid-market rates with no weekend surcharge
• Want investment features (stocks, crypto) alongside transfers

Use both if you:

Many migrants use Revolut as their travel and everyday spending card, and OrbitRemit for regular remittances home. The two services do not overlap meaningfully — Revolut handles travel and multi-currency spending, OrbitRemit handles the regular payment home to family. This is a common and sensible combination.

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Side-by-side summary

Feature	OrbitRemit	Revolut Standard	Revolut Premium/Metal
Transfer fee	Flat AUD $0-$4	Scales with amount	Scales with amount
Exchange rate markup	None	Margin applies	Margin applies
Weekend surcharge	None	1%	0%
Fee-free corridors	India, Vietnam, Nepal, Philippines wallets, UK, Korea	None	None
GCash delivery	✅	❌	❌
UPI delivery	✅	❌	❌
Pacific Island wallets	✅	❌	❌
Multi-currency account	❌	✅	✅
Travel card	❌	✅	✅
Multilingual support	Tagalog, Hindi, Nepali, Vietnamese, Mandarin, English	English only	English only
85%+ within 2 hours (Asia-Pacific)	✅	❌ confirmed	❌ confirmed
Monthly fee	$0	$0	Paid

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FAQ’s (frequently asked questions)

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Send money from Australia with OrbitRemit

• AUD to INR (India): always fee-free
• AUD to PHP mobile wallets: fee-free
• AUD to GBP (UK): fee-free
• Flat AUD $4 fee on most other corridors
• Fee-free above AUD $10,000 on all transfers
• No exchange rate markup — rate locked at confirmation
• No weekend surcharge
• Over 85% of transfers to Asia-Pacific destinations arrive within 2 hours
• Multilingual support: Tagalog, Hindi, Nepali, Vietnamese, Mandarin, English
• Rated Excellent on Trustpilot from over 34,000 reviews
• Regulated by ASIC in Australia (AFSL: 470646)

Fees and exchange rates are subject to change. Check orbitremit.com and revolut.com for current rates before transferring. Last updated July 2026.

Sources: Revolut Australia — International Money Transfer (revolut.com/en-AU) | Revolut — Currency Exchange Fees and Limits (help.revolut.com/en-AU) | Revolut — Compare Plans (revolut.com/en-AU/our-pricing-plans) | Finder AU — Revolut International Transfers Review (July 2026) | transferfees.io — Revolut Fees 2026 (June 2026)