现实 has a narrow meaning of reality in whatever context.
实际 is a bit complicated. When it is none, it means the same as 现实, which means you can use either in any context. When it is an adjective, it means real or actual. More commonly used in daily talking, it is used as adverb along with "上", and 实际上 has almost the same use as "actually". Btw, that 上really doesn't have so much meaning. You can think it is suffixes (-ly).