> TransferWise has significantly better fees than Revolut for currency conversion and also offers a card.

Do you have a few data points by chance?

I have both cards and I'm trying to figure it out (mostly for CHFEUR). At first glance it seems that TransferWise fees give you a rate that is as good or a little better than MasterCard (Visa is typically quite a bit more expensive). Also during weekends, TansferWise should beat Revolut. However when FX markets are open, it's not clear (mid-market + fee with TW, bid/ask rates with Revolut afaik).

I always found transfer.xe.com far cheaper than transferwise. Though it might depend on the currency you are converting to.

When I tried to convert EUR to ZAR, they wanted 25€ in flat fees, a percentage and had a worse conversion rate than xe who had no fees and a better conversion rate.