I also like the fact that if I have lets say $100 in various currencies (10 different currencies) and try to pay for something valued $95 in some other currency

I also like the fact that if I have lets say $100 in various currencies (10 different currencies) and try to pay for something valued $95 in some other currency, Revolut will not make the purchase but Transferwise will autoconvert between the currencies and make the purchase. Revolut only autoconverts if one currency has $95 equivalent.