"Revolut is the only bank I know of that does free fx conversions, it's a huge feature and money saver for people that have bank accounts in different countries"

I am interested in what you mean by "free" - I think you mean that they charge no fee for the currency conversion but what about the conversion rate ? Are you suggesting they give you the current, spot rate with no basis points charged at all ?

I have a Revolut account, a GBP Halifax account, and a EUR N26 account. Twice now I have accidentally topped up my GBP Revolut from the EUR N26 account instead of the GBP Halifax account, and both times I found that transferring the money from the GBP Revolut account to the EUR Revolut 30 seconds later actually made a small profit from my errors.

I have Monzo, it's the rate you get when you use Google. Not a made up one to hide fees.

Yes.

TransferWise charges a small fee even for conversions within their Borderless account.

In the Revolut app, I can convert, for example, EUR>USD>EUR (on a weekday; they tack on an additional 0.5% or so on weekends) and maybe lose a cent in the process.

Ditto - I use TransferWise every single month and it's been a really good experience so far.

Transferwise charges 0.5% for fx conversions as far as I know.

pretty sure Revolut actually uses transferwise for fx transfers

edit: my bad, seems like I'm confused with something else but can't figure out what!

Do you have a source? Because they don't.

sorry I'm mistaken with something else but can't remember what!

> sorry I'm mistaken with something else but can't remember what!

Probably N26[1], who use TransferWise for in-app currency exchanges[2][3].

[1] https://www.n26.com/ [2] https://transferwise.com/help/article/2340141/euro-transfers... [3] https://n26.com/en-eu/transferwise