How to Split a Bill with Revolut or Wise

Venmo, Zelle, and Cash App only work inside the United States. Europe's equivalents are Revolut and Wise: tens of millions of users, instant free transfers between accounts, and - crucially for international friend groups - genuinely good multi-currency support. If your dinner table includes an Erasmus student, a visiting colleague, or anyone paid in a different currency, odds are at least one of these apps is already on their phone.

Both also give you a personal payment link, which is the easiest mechanic for bill splitting: share one URL and each person sends their share, whether or not they have the app.

Your revolut.me link is your personal payment page - it looks like revolut.me/yourname. Anyone who opens it can send you money: Revolut users get an instant in-app transfer, and people without the app can usually pay by card in the browser.

Finding your link:open Revolut, tap your profile, and look for your @username / revolut.me link. Share it in the group chat, and tell each person their amount - the link itself doesn't carry a pre-filled sum, so pair it with exact shares.

Revolut also has built-in group features - splitting a payment with other Revolut users right from the transaction. That works beautifully when the whole table is on Revolut; the payment link approach is the fallback that works for everyone else.

Wise (formerly TransferWise) is built around one idea: moving money between currencies at the mid-market rate - the one you see on Google - with a small, transparent fee instead of a padded exchange rate.

Your Wise pay link lives at wise.com/pay/me/yourname. Share it and people can send you money from a Wise balance (instant) or, depending on currency, by bank transfer or card. For bill splitting, Wise is the strongest choice when the group spans currencies: your friend pays in pounds, you receive euros, and nobody gets quietly taxed by a bad exchange rate.

1. One person pays the full bill at the restaurant.
2. Split it precisely. Scan the receipt with tidytab so tax, tip, and shared plates are divided fairly.
3. Share your revolut.me or Wise linkalong with each person's exact amount.
4. Each person opens the link,enters their share, and sends - instantly if they're on the same app, by card or bank transfer if not.
5. Done. No IOUs, no exchange-rate guesswork, no waiting for payday.

Add your Revolut or Wise handle when you create a bill on tidytab, and every person's share page gets a pay button that opens your payment link directly. tidytab shows each person their exact share - including their part of shared items - so they know precisely what to enter, and it tracks who has paid so you don't have to.

Hosts can list several methods side by side: Revolut for the locals, Wise for the friend abroad, bank transfer or PayPal for everyone else. Each person pays with whatever they already have.

• Send the amount with the link.Neither revolut.me nor Wise pay links reliably pre-fill an amount, so always pair the link with each person's exact share.
• Same-app transfers are the fast path. Revolut-to-Revolut and Wise-to-Wise payments are instant and free; card payments through the web can take a little longer.
• Watch weekend exchange surcharges on Revolut if the split crosses currencies - converting on a weekday can be slightly cheaper depending on your plan.
• Mixing apps is fine. The host just needs one account per method they want to accept - payers never need to match each other.