QUICK ANSWER
Wise Business wins for UK Amazon FBA sellers receiving Pan-EU or US disbursements. Lower FX margin (0.4-0.6% mid-market vs Revolut's typical 0.5-1.5% on weekend volumes), cleaner GBP/EUR/USD wallet structure, and better integration with Amazon's Seller Central currency conversion. Revolut wins for sellers who also need a business card with cashback/perks and don't move large FX volumes. For pure Amazon FBA operations, Wise.
What each is for Amazon FBA
Wise Business — multi-currency business account with local-bank-account details in 10+ currencies (GBP, EUR, USD, CAD, AUD, etc.). You give Amazon a local-currency account number for each marketplace, Amazon disburses in local currency, you convert at Wise mid-market FX when you choose. Subscription-free; pay per transaction.
Revolut Business — multi-currency business account with cards, expense management, accounting integrations. Amazon disbursements work similarly. Tiered subscription (free / £19/mo / £79/mo) with FX limits per tier.
Where Wise wins for Amazon
- FX margin. Wise charges 0.41-0.6% above mid-market on most major currency pairs. Revolut Business's free tier offers mid-market on weekdays only — weekends add ~0.5-1.5% markup, which catches weekend Amazon disbursements.
- Local account numbers. Wise gives you a real EUR IBAN, USD ACH, etc. Amazon sees these as native local accounts and disburses in local currency. Revolut also offers this on paid tiers; on the free tier it's more limited.
- No FX limits. Wise has no monthly FX volume cap. Revolut Business free tier caps at £/€1,000/month FX before fees apply; £19/mo tier caps at £/€10,000.
- Seller Central integration. Wise's account details are accepted seamlessly by Amazon's Currency Converter for Sellers (CCS) workflow. Revolut works but with occasional verification friction we've seen on EU marketplaces.
Where Revolut wins
- Business cards. Revolut Business cards offer real cashback in some categories. Wise's debit card is functional but no cashback.
- Accounting integrations. Revolut connects more cleanly to Xero/QuickBooks via direct integration. Wise also integrates but with more manual reconciliation in some cases.
- Expense management. Receipt capture, virtual cards for staff, spending controls. Wise is bare-bones here.
- Same-currency local payments. Revolut's UK Faster Payments are slightly cleaner if your business operates entirely in GBP day-to-day.
The realistic FX cost at scale
For a UK FBA seller doing £30K/month on amazon.co.uk and €10K/month on amazon.de:
- Wise: EUR→GBP at ~0.45% = £540/year FX cost.
- Revolut Business free tier: assuming ~30% of disbursements settle on weekends, blended ~0.85% = £1,020/year FX cost.
- Difference: ~£480/year, or 2-3 weeks of an Amex Gold annual fee covered.
At higher volumes, the gap widens. For a £100K/month seller with €30K + $20K Amazon disbursements, the annual FX delta between Wise and Revolut Business free can be £2,000-£4,000.
Comparison table
| Feature | Wise Business | Revolut Business |
|---|---|---|
| FX margin (weekdays) | 0.41-0.6% | ~0.5% (free tier limit) |
| FX margin (weekends) | 0.41-0.6% | +0.5-1.5% |
| FX volume cap | None | £1k/mo (free), £10k/mo (£19/mo) |
| Local IBAN/ACH | Yes | Yes (paid tiers) |
| Subscription | Free | £0/£19/£79 |
| Cashback card | No | Yes |
| Xero/QuickBooks | Yes | Direct |
The verdict
For UK Amazon FBA receiving non-GBP disbursements: Wise Business. The FX margin difference is the highest-leverage variable, and Wise wins it.
For UK Amazon FBA on amazon.co.uk only with no EU/US sales: either tool works fine; pick on perks (Revolut card cashback) or accountant preference.
Most £100K+/year UK FBA operators run both — Wise for FX-heavy disbursements, Revolut for day-to-day card spend with cashback. ~£0/month combined if you stay on free tiers.
FAQ
Does Wise work with Amazon Seller Central UK?
Yes — Wise Business provides local UK GBP, EUR, USD account numbers that Amazon's Currency Converter for Sellers accepts as native local-currency disbursement accounts.
Is Revolut Business better than Wise for Amazon UK?
For pure Amazon FBA, no — Wise's FX margin is consistently lower, especially on weekends when Amazon often disburses. For non-FBA business spending with cashback cards, Revolut's perks are stronger.
How much FX does Wise charge for Amazon disbursements?
0.41-0.6% above mid-market for most major currencies (EUR, USD, CAD, AUD). The exact rate is shown live before you convert. No hidden spread.
Can I receive Amazon disbursements in EUR from amazon.de?
Yes — both Wise and Revolut give you a local EUR IBAN. Amazon DE will disburse in EUR to that IBAN; you then convert to GBP at your chosen rate. This is materially cheaper than Amazon's CCS conversion (typically 3-4% margin).
Is Wise Business free for Amazon sellers?
Yes — no monthly subscription. You pay only per FX conversion (transparent fee shown live) and per international payment sent. Receiving disbursements in supported currencies is free.
What's the cheapest way to handle EU Amazon FBA payouts as a UK seller?
Wise Business EUR account → convert to GBP via Wise at mid-market + 0.41-0.6%. Avoids Amazon's CCS markup (3-4%) on every EUR disbursement. On €10K/month from amazon.de, that's ~£250-£350/month saved.
Educational content from a live UK Amazon FBA operator. Not financial, legal, or tax advice — talk to a qualified UK accountant for your specifics. Tool features and prices change; check the vendor's site before subscribing.
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