Revolut seems to act like a bank but is it regulated as a proper bank? I am suspicious of it because it was touted to me as "made by Russians" but since I'm one it had the opposite effect.

But anyway I don't think you can sign up for Revolut without a proper bank account and residence in one of eligible countries while Wise can charge even a debit card. Limits and slightly higher fees apply and they require ID verification but it works. I had to do it while unbanked.