Revolut is an actual bank if you’re in the EU! https://help.revolut.com/en-EE/help/accounts/what-does-uk-ba...

Edit: and apparently they’re now setting up a bank in the UK as well: https://help.revolut.com/help/more/legal-topics/is-revolut-a...

Wise is not, and it might be more difficult to get the money out if they are insolvent. For the customers in the EU, they’re a Payment Institution in Belgium: https://wise.com/help/articles/2932693/how-is-wise-regulated...