Bunq[1] is an alternative to Revolut with a banking license in Netherlands. I personally don't trust N26 from the technical point of view[2], and Monzo is available to the UK residents only.

[1] https://www.bunq.com/

[2] https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money

I’m happy with TransferWise. I was thinking to check Revolut as well, but now I’m not so sure.

N26 does most of what Revolut does, and it's a real bank. The exchange rates are a bit worse than Revolut but still better than the average bank. They have a webapp but you cannot topup with other cards, you can only transfer money into it.