Revolut Business Rates: Plans | Fees | Alternatives

Mike Renaldi

Revolut Business is known for their global payments capabilities and consolidated business tools. But how much will you plan for these tools? We’ll uncover all the key business costs as well as some alternatives to Revolut, such as Wise Business, in this article.

Looking to hold funds, as well as send and receive payments globally?

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Wise Trustpilot Score: 4.2 / 5 - Great (200,000+ reviews)¹⁴
No minimum balance requirement and no monthly fees

Revolut Business Rates

Opening a business account with Revolut comes with its own set of plan fees and transfer rates that cater to businesses of all sizes. Let’s get an overview of the plans they offer and what sorts of fees you’ll have to pay for things like transfers and currency exchange.

Revolut Business Rates: Plans

One way that Revolut separates its rates for businesses is through a plan structure. This structure is separated by business size, with basic users being able to get started for $0/month. Let's take a deeper look.

Revolut has four tiered business plans:

Basic ($0/month), Grow ($30/month), Scale (from $119/month), and Enterprise (Custom), all of which come with borderless accounts that let you receive USD and EUR like a local.

The Basic plan lets you get started with all the core features, such as recurring and scheduled payments, holding and exchanging 25+ currencies, team spending features, and 5 no-fee local transfers, among others. Basic plan members also get to exchange $1,000/month at the interbank rate (without their markup)

The Grow plan takes things up a notch, with 5 no-fee international transfers and 100 no-fee local transfers. You’ll also be able to make bulk payments, exchange $10,000/month at the interbank rate, get a complimentary metal Revolut card, and the full suite of team spending features, including analytics.

The most robust tier is the Scale plan, where you can get 25 no-fee international transfers and 1,000 no-fee local transfers. Plan members get 2 complementary metal spending cards, as well as all the features offered in the Scale plan.

If you’re a larger business or enterprise, Revolut offers a Custom plan with the full suite of Revolut features, including the additional account management feature. Members will discuss custom no-fee monthly rates for international and local transfers, a custom currency exchange cap at the interbank rate, and a set amount of metal cards.2

Wise Business has no monthly fees

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Free account registration to send money from 0.43%
No monthly minimum balance requirement

Revolut Business Rates: Transfers

  • Local Transfers – Outside of the no-fee local transfer allowance per plan per month, each transfer comes with a fee of $0.20
  • International Transfers – Outside of the no-fee international transfer allowance per plan per month, each transfer comes with a fee of $5
  • Currency Exchange – Outside of the currency exchange allowance at the interbank rate per plan per month, there’s a fee of 0.6% within market hours and 1% for exchanges outside market hours.3

Revolut Alternatives

Revolut certainly offers some enticing features and fees, but what about their other contenders? How do their competitors compare, and would another alternative be more suited to your business? Here are four potential options if you’re still unsure about Revolut.

Wise Business

Wise Business has a range of services for businesses to manage their expenses easily and affordably. Compared to Revolut, Wise has just one straightforward business plan and offers the mid-market rate for all transfers with high limits. They’re best known for their international account that lets you store 40+ currencies and get local account details in global currencies (GBP, USD, EUR, CAD, AUD, JPY, and more).4

FeatureWise BusinessRevolut Business
Monthly feesNoneDepends on plan
Local account detailsUSD, GBP, AUD, CAD, EUR, HUF, NZD, RON, SGD, TRYGBP, EUR, USD¹⁵
Supported currencies40+25+¹⁵
Accounting integrationsQuickBooks, Xero, Sage, Wave, NetSuite, FreeAgentQuickBooks, Xero¹⁶
Bulk payments1000 in a few clicksOnly included in paid plan²
Business debit cardPhysical and digital business cards availablePhysical and digital business cards available⁸
International paymentsFee from 0.43% applied$5.00 per additional transfer above your plan limit¹⁷

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Wise Interest Feature

If you’d like to earn 4.85% annual percentage yield (APY)¹⁹ on your USD balance while you expand your business, you can opt-in to our interest feature for Wise Business. When you opt-in to earn interest in your USD balance account, you get the security of up to $250,000 in passthrough FDIC insurance on your USD balance from our Program Bank²⁰ (subject to change, certain limitations apply, see Program Agreement to learn more).

Your USD balance will be held with our Program Bank where Wise earns interest. We use a small portion of the interest we earn on these funds to cover our operating expenses and we pass the rest along to you.

The rate we can offer is dependent upon our Program Bank, and we’ll always let you know if there are any rate changes. See our website for more details.



PayPal’s reputation in the digital payments sphere is what sets it apart from other platforms. While they are best known for their personal peer-to-peer payment system, they also have a PayPal for Business account that lets business owners get paid online and in person. There are also traditional financial services such as business loans and debit and credit card solutions to take advantage of.


  • Wide global acceptance
  • Integrations with ecommerce platforms
  • Reporting tools
  • PayPal Shipping
  • Payment acceptance with invoicing, online checkout, and installment payments
  • Dispute resolution and seller protection


PayPal comes with a host of features, but a whole host of fees as well that depend on the payment type and where the business owner is located. For example, the standard rate for receiving local transactions ranges from 2.29% + $0.30 - 3.49% + $0.30, while there’s an extra 1.50% fee for international commercial transactions. The fixed fee also changes depending on the currency received. Currency conversions come with a markup of 3 - 4%.7


Payoneer looks to simplify cross-border payments and make it easy for marketplace sellers to conduct business internationally, freelancers to get paid, and businesses to manage their connections worldwide. The Payoneer account is popular for its global account, providing local bank account details in 9 different currencies and their marketplace-specific experience for sellers.8


  • Global payment solutions in multiple currencies
  • Local receiving accounts
  • Mass payout features
  • Physical and virtual Payoneer card
  • 2000 marketplace integrations, such as Airbnb and eBay9
  • Capital Advance to fund business growth


Payoneer allows users to receive and send funds to other Payoneer accounts for free, depending on where you’re located and the currency you’re using. If the recipient doesn’t have a Payoneer account, you’ll be charged a fee of up to 3% of the transaction amount. For USD to USD payments, there’s a 1.50 USD charge. When getting paid directly by clients, there’s a 3% fee for credit cards and 1% for ACH bank debits. Currency conversion rates depend on the wholesale currency market rates at the time and come with a conversion fee.10



2 - Revolut - Business Plans
3 - Revolut - Business Plans
7 - PayPal - Merchant Fees
8 - Payoneer - Get Paid by Clients
9 - Payoner Business
10 - Payoneer - Pricing
11 - Relay Main Page
12 - Relay - Pricing
13 - Relay - How to Convert Currency in Relay
14 - Wise Trustpilot
15 - Revolut Business
18 - Revolut - Security
19 - 4.85% Annual Percentage Yield (APY) on USD balances is current as of 01/01/2024 and is subject to change see Program Agreement for details
20 - Feature not available to residents of New York or Alaska at this time. Please see eligibility criteria.
21 - The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account "swept" into a Federal Deposit Insurance Corporation ("FDIC") insured interest-bearing account at one or more participating banks (each, a "Program Bank") that will hold and pay interest on the deposit funds. For more information on FDIC insurance coverage, please visit Customers are responsible for monitoring their total assets at each of the Program Bank(s) to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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