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COMPARE · PESITO IS PRE-LAUNCH

Pesito vs Revolut. A global money app, and an account built for the trip home.

Revolut is built for people who live between currencies: hold dozens of them, spend abroad, send to most of the world. In the US it has a $0 Standard plan and paid plans at $9.99 and $16.99 a month, and in Mexico it now runs a full bank, with no transfer fee between Revolut users in the two countries.

Two things stand between Revolut and many Latino workers in the US. The full account needs a Social Security number; without one, Revolut offers a limited account only to holders of a supported US visa, such as a work or student visa. And on the free plan, sending to a Mexican bank costs a transfer fee, plus 1% on weekends and 0.5% past $1,000 a month of exchange. Pesito is pre-launch; Revolut works today.

The short answer

Pick Revolut if you have an SSN or a supported visa, you travel or hold several currencies, or your family in Mexico already uses Revolut.

Pick Pesito, once it launches, if you have no SSN and no visa on Revolut's list, or you want sending home to cost $0 any day of the week, with no monthly plan to unlock it.

Side by side.

Pesito is pre-launch. Its column is planned launch pricing and planned features, not a live service. The app will show the final price before you pay. Join the waitlist →

  Pesito Revolut
Available today No. Pre-launch, waitlist only Yes, in the US and in Mexico
What you need to open it Your own country's ID, such as a passport, or an ITIN. No Social Security number (planned) A valid SSN and a US address; without an SSN, a limited account only with a supported US visa (work, student and similar; not a tourist visa)
Monthly fee $0 (planned) Standard $0; Premium $9.99; Metal $16.99
Minimum balance None (planned) None on Standard
Send money to a bank in Mexico $0 between Pesito accounts; $0 standard withdrawal to any Mexican bank by SPEI (planned) Standard: 0.15% (minimum $0.75); bank transfers in pesos arrive in 3 to 5 business days
Exchange-rate markup 0%: a mid-market rate average, every day of the week (planned) Standard: none on the first $1,000 a month, then 0.5%, plus 1% on weekends; lower or none on paid plans
To another user of the same app $0, in the US or in Mexico (planned) $0 Revolut to Revolut, including between the US and Mexico (exchange fees may apply)
One account in the US and in Mexico Yes: one account, dollars and pesos (planned) Your family in Mexico opens a Revolut Mexico account of its own
Cash deposits Cash at OXXO and local stores in Mexico, store fee passed through at cost (planned, no date) Select customers only; 2.5% per deposit in its help center (its terms say the store charges up to $4.95)
Getting paid Add money by debit card or bank transfer (ACH) (planned); early pay is not part of the plan Early Salary: up to two days early, no fee
Language Spanish and English in the app at launch; this site also in Portuguese, French and Nahuatl App in Spanish and 23 other languages
Bank and deposit protection Not a bank, not FDIC insured. Planned: dollars in an account held for customers at a licensed US bank (agreement not signed) Not a bank; Lead Bank, Member FDIC, holds funds, covered if the FDIC's conditions are met. Conditional OCC approval (September 2026) for its own US bank

Revolut facts from Revolut's own US fee pages, terms and help center, read October 10, 2026; Standard plan unless noted. The weekend fee applies from Friday 5 p.m. to Sunday 6 p.m. Eastern. Pesito column: planned launch pricing, not available yet.

What Revolut does better today.

It works now, in a lot of places. Revolut holds and exchanges dozens of currencies and sends to most of the world. Pesito starts with dollars and pesos, the US and Mexico, and is not live yet.

Its paid plans remove most fees. Premium ($9.99 a month) and Metal ($16.99) cut the transfer fee, drop the weekend markup and raise the exchange allowance. If you send large amounts often, a paid plan can make sense.

Both sides can have it today. Revolut runs a full bank in Mexico, and transfers between Revolut users in the US and Mexico carry no transfer fee. It also pays early with direct deposit and has its own card.

Where Pesito is different.

No SSN, no visa list. Revolut's full US account needs an SSN. Without one, its limited account needs a US visa from its supported list, which leaves out tourist visas. Pesito's plan is that your own country's passport or an ITIN opens the account.

Zero, every day. On Revolut's free plan, a $200 transfer to a Mexican bank costs at least $0.75, and on a weekend the exchange rate costs 1% more. Pesito's planned price is $0 and 0% FX between Pesito accounts on any day, and $0 for a standard withdrawal to any Mexican bank, with no plan to pay for.

Built for the trip home. Pesito is not trying to be a travel card for the whole world. It is one account across the Americas, starting with your money in the US and in Mexico, in Spanish first, with cash at OXXO on the Mexican side as a planned feature.

The trust model, honestly

Revolut US is not a bank: Lead Bank, Member FDIC, issues its cards and holds customer funds, and FDIC coverage applies only if the FDIC's conditions are met. In September 2026 it received conditional approval from the OCC to open its own US bank. Pesito is Aztlan Software, Inc., a US technology company: not a bank, not FDIC insured, and without a money transmitter license yet (Idaho first, in process). The plan is that customer dollars sit in an account held for the benefit of customers at a licensed US bank. We will name it when the agreement is signed.

Frequently asked.

Can I open a Revolut account without an SSN?
Only a limited one, and only with a supported US visa. Revolut's identification rules ask for a valid SSN; without one, its terms allow a restricted account for holders of supported US visas, such as work and student visas, and the list does not include tourist visas. Pesito's plan is that your own country's ID, such as a passport, or an ITIN is enough, with no visa list.
How much does Revolut charge to send money to Mexico?
On the $0 Standard plan: a 0.15% transfer fee (minimum $0.75) to a bank in Mexico, no exchange fee on the first $1,000 a month and 0.5% after that, and an extra 1% on weekends. Premium and Metal charge less. Pesito's planned price is $0 and 0% FX between Pesito accounts, any day.
Is sending between Revolut users in the US and Mexico free?
Revolut says transfers between Revolut customers carry no transfer fee, and Revolut Mexico promotes sending from the US at no cost; exchange fees may still apply. Your family needs its own Revolut account in Mexico. Pesito plans the same idea as one account across the Americas, with 0% FX.
Does Revolut have a monthly fee?
The Standard plan is $0 a month. Premium is $9.99 a month and Metal $16.99, and they unlock lower fees. Pesito's plan has one price: $0 a month.
Is Pesito a bank like Revolut?
Neither is a bank in the US today. Revolut works through Lead Bank, Member FDIC, and has conditional approval to open its own US bank. Pesito is pre-launch, not FDIC insured, and its first money transmitter license (Idaho) is in process. No money moves until it is licensed.

One account across the Americas. No SSN. No monthly fee.

Pesito is pre-launch. Join the waitlist to be first in line, and help shape what we build.

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Three minutes, one answer per phone number. Your answers are stored under the waitlist terms; do not include passwords, account numbers or other sensitive information.

Compare with the others

Pesito vs Chime The no-fee US account, next to one you can open without an SSN. Pesito vs Nubank Nu's new US account and Nu México, next to one account across the Americas. Pesito vs Nomad Dollars for Brazilians in Brazil, next to an account for people already in the US. All of them in one table Pesito, Chime, Revolut, Nubank and Nomad, row by row.

Sources

Every fact about another company comes from its own public pages, read on the dates listed. Fees and requirements change, so check with the provider before you rely on one. Nobody paid to appear here and there are no affiliate links. Pesito figures are planned launch pricing and planned features: Pesito is pre-launch and nothing is available yet. Spotted an error? Write to business@pesito.la; we fix it and log the date in pricing.txt.