All About Revolut Fees and Charges
Revolut claims it can help you spend, send, and save smarter. But behind every transfer or exchange lies one key question — how much does it cost? Revolut gives US customers plenty of choice, with three personal and four business plans, so there’s something for every type of spender.
Choosing the right account can help you reduce overall costs and access extra perks. This guide explains how Revolut fees and rates work, helping you decide which plan will bring you the greatest benefits.
Overview of Revolut Account Plans
With over 65 million personal customers worldwide, Revolut keeps things flexible. The FinTech has grown rapidly by tailoring its accounts to different needs, delivering basic features as well as premium solutions for every type of user.
Revolut transfer fees and other charges depend on the account you choose. Standard plan holders pay nothing monthly but have limited access to features and no-fee services. If you pick a paid plan — Premium, Metal, or any business account — you'll pay a fixed monthly price and, in return, get more fee-free transactions with a kit of extra perks, from travel insurance to better exchange rates. The higher the plan, the more benefits it offers.
Key Fees for Revolut Accounts
“We’ve built something for everyone,” Revolut claims. Let's check it and take a look at the account details, including a withdrawal charge and Revolut international transfer fee. This quick comparison will help you pick the plan that fits you best.
Below is a summary of the key Revolut card fees for personal plans available to US customers. Be sure to review the full terms before you decide.
ㅤ | Standard | Premium | Metal |
|---|---|---|---|
Monthly Fee* | No fee | $9.99 | $16.99 |
In-Network ATM Withdrawals | No fee | No fee | No fee |
Out-of-Network ATM Withdrawals (third-party fees may apply) | 2% fee | No fee up to $800/month, then 2% | No fee up to $1,200/month, then 2% |
Currency Conversion | No fee up to $1,000/month, then 0.5% | No fee up to $10,000/month, then 0.5% | Unlimited fee-free |
Out-of-hours** Currency Conversion | 1% | 1% | 1% |
Discounted International Transfers | N/A | 20% discount | 40% discount |
* You can pay monthly or annually. Cancel or change your plan anytime, fees may apply depending on when you cancel, but you’ll keep your subscription benefits through the end of the paid billing cycle, excluding any break fees.
** Revolut currency conversion can cost more on weekends, international exchange markets aren't available from Friday 5 PM to Sunday 6 PM (Eastern Time), so a fee applies.
Next, let’s break down Revolut business account fees — with over 500k business customers worldwide, there’s a plan to meet varied needs, from startups to established enterprises.
ㅤ | Basic | Grow | Scale | Enterprise |
|---|---|---|---|---|
Monthly Fee* | From $10 | From $40 | From $140 | Custom |
In-Network ATM Withdrawals | No fee | No fee | No fee | No fee |
Out-of-Network ATM Withdrawals (third-party fees may apply) | 2% fee | 2% fee | 2% fee | 2% fee |
Exchange Monthly Limit | $1,000 | $20,000 | $80,000 | Custom |
Fair Usage Fee | 0.6% | 0.6% | 0.6% | 0.6% |
Out-of-hours Currency Conversion | 1% | 1% | 1% | 1% |
Local Transfers | 10 fee-free | 100 fee-free | 1,000 fee-free | Custom |
International Transfers | 0 fee-free | 5 fee-free | 25 fee-free | Custom |
Revolut-to-Revolut Transfers | Unlimited fee-free | Unlimited fee-free | Unlimited fee-free | Unlimited fee-free |
Review the full terms for Revolut business accounts in the US before choosing.
Currency Exchange Rates and Fees
Revolut exchange fees vary depending on your plan. Personal account holders can convert at the mid-market rate up to your plan’s limit — beyond that, a 0.5% fair usage fee applies.
ㅤ | Standard | Premium | Metal |
|---|---|---|---|
Limit | $1,000/month | $10,000/month | Unlimited |
Fee | 0.5% fair usage fee | 0.5% fair usage fee | No fair usage fee |
If you are a business account holder:
ㅤ | Basic | Grow | Scale | Enterprise |
|---|---|---|---|---|
Limit | $1,000/month | $20,000/month | $80,000/month | Custom |
Fee | 0.6% fair usage fee | 0.6% fair usage fee | 0.6% fair usage fee | 0.6% fair usage fee |
Remember: a 1% out-of-market currency exchange fee applies to all account types — international exchange markets are closed from Friday 5 PM to Sunday 6 PM (ET).
Bottom Line
Revolut pricing and charges vary by plan; the key is to pick the one designed for your personal or business needs. The right option can help you save on fees, access rewards, and get the most from your account. Knowing every Revolut card charge upfront — broken down by category above — lets you make informed decisions and ensures every transaction is completed at the best possible rates.
