Personal Finance

Revolut fees and charges [2024 guide]

Gabriela Peratello

08.09.26 (last updated)

Read time 4 minutes

Revolut® offers three personal account plans and four business plans for US customers, so you can choose an account based on how you spend, exchange and send money.¹

The fees and limits you get depend on your plan. Standard has no monthly subscription fee, while Premium and Metal charge monthly fees in exchange for higher allowances and additional benefits.

This guide explains the main Revolut fees for US customers and compares them with another multi-currency account option: Wise. Wise is a non-bank alternative with flexible multi-currency features, mid-market exchange rates and transparent fees.

Revolut fee overview

The fees you pay depend on your Revolut plan. Standard has no monthly subscription fee, but its allowances for services such as out-of-network ATM withdrawals and currency exchange are lower.

Premium and Metal charge monthly subscription fees and offer higher allowances for some services. Revolut’s fees can also vary by transaction type, currency and payment route, so check the applicable plan terms before making a transfer.

Service	Standard account fees²	Premium account fees³	Metal account fees⁴
Monthly fee	$0	$9.99 per month	$16.99 per month
In-network ATM withdrawals	No Revolut fee	No Revolut fee	No Revolut fee
Out-of-network ATM withdrawals	2% on all withdrawals	$800 per month with no Revolut fee, then 2%	$1,200 per month with no Revolut fee, then 2%
Currency exchange during market hours	$1,000 per month with no additional exchange fee, then 0.5%	$10,000 per month with no additional exchange fee, then 0.5%	Unlimited with no additional exchange fee
Currency exchange outside market hours	1%	No additional exchange fee	No additional exchange fee
International transfers	Fees vary by transfer route; the full applicable fee may apply	20% discount on Standard pricing for SWIFT transfers	40% discount on Standard pricing for SWIFT transfers

Third-party ATM operators may charge their own fees, even when Revolut does not charge an additional fee.¹

What's Revolut's currency exchange rate?

Revolut says it uses a market-based exchange rate that includes a markup. The total cost of a conversion depends on your plan, the amount you have already exchanged during the monthly allowance and when you make the conversion.¹

During market hours, Standard and Premium customers can exchange up to their plan allowance before a 0.5% fair-usage fee applies. Metal customers have unlimited exchange with no additional exchange fee under the published plan comparison.²³⁴

Plan	Monthly exchange allowance	Fee after allowance
Standard	$1,000	0.5% fair-usage fee
Premium	$10,000	0.5% fair-usage fee
Metal	Unlimited	No additional exchange fee

How do Revolut fees work on weekends?

Revolut’s published market-hours period runs from 5 pm on Friday to 6 pm on Sunday, Eastern Time. Standard customers may pay a 1% weekend exchange fee. The current US plan comparison lists no additional weekend exchange fee for Premium or Metal customers.¹

Multi-currency made easy: get a Wise Account

Looking for an alternative to banking to keep your money without a minimum balance? Wise has you covered.

The Wise Account lets you:
Get local details to receive money in 9 different currencies Spend like a local in over 150 countries with the Wise Multi-Currency Card Send money across currencies with the mid-market exchange rate Hold and convert money in 40+ currencies Manage your money online with the Wise app or website Opt in to receive annual percentage yield (APY) on your USD with Wise’s account interest feature (subject to change, certain limitations apply — see Program Agreement for more information)

The Wise Account lets you:

Get local details to receive money in 9 different currencies
Spend like a local in over 150 countries with the Wise Multi-Currency Card
Send money across currencies with the mid-market exchange rate
Hold and convert money in 40+ currencies
Manage your money online with the Wise app or website
Opt in to receive annual percentage yield (APY) on your USD with Wise’s account interest feature (subject to change, certain limitations apply — see Program Agreement for more information)

Get a Wise Account
in minutes!

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

Are there different fees for Standard and Premium Revolut accounts?

Yes. As we’ve seen, the costs of maintaining and using a Revolut account depends on the plan you have. Standard accounts have no monthly fee, but have lower no-fee transaction limits compared to Premium or Metal.

That can mean that if you have a Standard plan and transact with Revolut regularly, you end up paying more than you’d have to if you upgraded your account. The key is to work out whether the difference in the monthly fee is worth the additional no-fee transactions and the extra benefits you can unlock.

Fee comparison: Standard vs Premium accounts

Here is a simplified example of how plan fees can differ. Suppose two customers each withdraw $1,000 in foreign currency from out-of-network ATMs during one month and have not used their allowances earlier in the month.

Plan	Revolut Standard	Revolut Premium
Monthly fee	$0	$9.99
Currency exchange on $1,000	Within the $1,000 monthly allowance: no additional exchange fee	Within the $10,000 monthly allowance: no additional exchange fee
Out-of-network ATM withdrawal	2% of $1,000 = $20	First $800 with no Revolut fee; 2% of remaining $200 = $4
Estimated Revolut fees for this activity	$20	$13.99 including the monthly plan fee

This example is for illustration only. Your result may differ depending on your previous exchange and withdrawal activity, the ATM operator’s fee and the type of transfer or conversion.

Are the fees different for Revolut business accounts?

Business account fees from Revolut are different to personal fees. You’ll be able to pick from account plans called Basic, Grow, Scale or Enterprise.

Enterprise plans are entirely customizable, so we’ve not included them in our Revolut business fee comparison. As with personal accounts, you can pick the plan that works best for your needs based on the number and type of transactions you’ll be making.

Revolut Business account fee breakdown

Here’s a look at some of the key fees involved in different Revolut Business account tiers. Check through the account options, features and fees to make sure you’re picking the right one for your business.

Service	Basic account fees⁵	Grow account fees⁵	Scale account fees⁵
Monthly fee	From $10 per month	From $40 per month	From $140 per month
Exchange allowance at the interbank rate	$1,000 per month	$20,000 per month	$80,000 per month
Exchange fee after allowance	0.6%; 1% outside market hours	0.6%; 1% outside market hours	0.6%; 1% outside market hours
No-fee local transfers	10 per month	100 per month	1,000 per month
No-fee international transfers	None	5 per month	25 per month
Fee for international transfers outside allowance	$5 per transfer	$5 per transfer	$5 per transfer
ATM withdrawals	2%	2%	2%

Can Revolut fees be avoided or reduced?

You may be able to reduce fees by choosing a plan that matches your activity and staying within the relevant exchange and ATM allowances.

Use in-network ATMs where possible.
Make currency exchanges during market hours if you are on a plan that charges a weekend fee.
Track your monthly exchange and withdrawal allowances in the Revolut app.
Compare the monthly subscription with the fees you would otherwise pay.

How do Revolut fees compare to other providers?

Digital account providers like Revolut are often cheaper to use overall compared to banks, as they have lower overheads and are able to pass these low costs on to their customers.

They’ve also been built to meet specific customer needs, which can mean they price services more competitively for things like international payments and transactions - which tend to attract fairly high bank fees.

However, Revolut’s pricing structure can be pretty complicated to navigate with different monthly and transaction fees depending on your account type. Whether it’s the most competitive option out there for your specific needs really depends on the type and volume of transactions you’ll make.

It’s worth comparing Revolut against some other non-bank services, like Wise to see which suits you best.

Wise has account options for both personal and business customers in the US, with straightforward pricing, transparent service fees, and no ongoing charges or minimum balance requirements.

Still unsure of what's the best provider for you? Check out our Wise vs Revolut guide

**Sources:**

Sources checked on 8 September 2026

*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.