Business

Revolut Business Account Fees UK: Complete 2026 Breakdown

March 3, 2025

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Table of Contents

Revolut Business account fees start at £10 per month for the Basic plan. The Grow plan costs £35 per month or £360 when paid annually, while Scale costs £125 per month or £1,080 annually. Enterprise pricing is individually negotiated.

The total cost can be higher once a business exceeds its included transfer or currency exchange allowances, withdraws cash, orders additional cards, uses paid expense-management tools or accepts customer payments.

Quick Answer: How Much Does Revolut Business Cost?

Revolut Business is not a free business account in the UK. Its Basic plan costs £10 per month. Grow costs £35 monthly or £360 annually, equivalent to £30 per month when paid annually. Scale costs £125 monthly or £1,080 annually, equivalent to £90 per month.

Businesses may also pay for international transfers, currency exchange above their plan allowance, ATM withdrawals, additional cards, expense-management features and merchant payment processing.

Last checked: 14 July 2026

Key Takeaways:

The main points to understand about Revolut Business account fees are:

The cheapest Revolut Business plan costs £10 per month.
Grow and Scale cost less per month when paid annually.
Each plan includes different local transfer, international transfer and currency exchange allowances.
A 2% fee applies to ATM withdrawals.
Local transfers outside the allowance generally cost £0.20 each.
International transfers outside the allowance generally cost £5 each.
Currency exchange above the monthly allowance incurs a 0.6% fee.
A 1% fee applies when currency is exchanged outside foreign exchange market hours.
Payment-processing fees are separate from the business account subscription.

Fees and allowances can change, so businesses should review the current Revolut Business pricing and the official Revolut Business fee schedule before applying.

What Is Revolut Business?

Revolut Business is a digital business account and financial-management platform for companies, partnerships and other eligible organisations.

It allows businesses to hold and exchange multiple currencies, make domestic and international payments, issue physical and virtual cards, control employee spending and connect the account to compatible accounting software.

Revolut Business can be particularly useful for businesses that:

Send or receive payments in different currencies.
Employ team members who need controlled spending cards.
Make regular international payments.
Require accounting and expense-management integrations.
Accept customer payments online or in person.

However, it may be less suitable for businesses that frequently deposit cash or cheques, require regular branch support or need a conventional business overdraft.

What Revolut Business Plans Are Available?

Revolut offers Basic, Grow, Scale and Enterprise business plans. The appropriate plan depends on the company’s payment volume, foreign exchange requirements and need for additional business-management features.

Plan	Monthly billing	Annual billing	Effective monthly cost when annual	Generally suited to
Basic	£10	Check during sign-up	–	Smaller businesses with low transaction volumes
Grow	£35	£360	£30	Growing businesses making regular transfers
Scale	£125	£1,080	£90	Higher-volume and internationally active businesses
Enterprise	Custom	Custom	Custom	Larger organisations needing negotiated limits

The “from £30 per month” Grow price and “from £90 per month” Scale price displayed on Revolut’s main pricing page reflect the effective monthly cost when the annual subscription is selected. Businesses paying monthly are charged the higher monthly rates shown above.

How Much Does a Revolut Business Account Really Cost?

The subscription is only the starting cost. The actual amount a company pays depends on:

Its chosen plan.
The number of local and international payments it makes.
The value of its monthly currency exchanges.
Whether exchanges are completed during market hours.
The number and type of physical cards ordered.
Cash withdrawals.
Expense-management or payroll features.
Customer payment-processing volumes.

For example, a small UK business making fewer than ten local payments per month and exchanging less than £1,000 may remain close to the Basic plan’s £10 subscription cost.

By contrast, a business making regular international transfers, exchanging large currency amounts or processing customer card payments could pay substantially more than the advertised account subscription.

What Are the Revolut Business Transfer Fees?

Revolut Business transfer fees depend on the selected plan and whether the company remains within its monthly allowance.

Transfers between Revolut accounts do not normally carry a transfer fee. UK domestic and international payment allowances vary substantially between Basic, Grow and Scale.

Payment type	Basic	Grow	Scale
Revolut-to-Revolut transfers	No fee	No fee	No fee
Included UK local transfers	10 per month	100 per month	1,000 per month
Additional UK local transfer	£0.20	£0.20	£0.20
Included international transfers	None	5 per month	25 per month
Additional international transfer	£5	£5	£5
Guaranteed SWIFT OUR transfer	£20	£20	£20
Transfer to a card recipient	Shown in the app	Shown in the app	Shown in the app

The Enterprise plan uses custom allowances and fees.

A business should estimate its normal monthly payment volume before choosing a plan. Selecting Scale solely because it offers 1,000 local transfers may be unnecessarily expensive for a company that makes only 20 or 30 payments per month.

Businesses making UK payments should also understand how Confirmation of Payee checks can help verify the account name associated with payment details before money is transferred.

Certain intermediary, recipient or correspondent banks may impose charges that are separate from Revolut’s own transfer fee.

Revolut normally displays charges under its control before a payment is confirmed, but it may not always control deductions made by another financial institution.

What Are the Revolut Business Currency Exchange Fees?

Each Revolut Business plan provides a monthly foreign exchange allowance.

Plan	Monthly exchange allowance
Basic	£1,000
Grow	£15,000
Scale	£60,000
Enterprise	Custom

Currency exchanged within the plan allowance and during market hours can use Revolut’s applicable exchange rate without the 0.6% excess-allowance charge.

Once the monthly allowance has been exceeded, Revolut applies a 0.6% fee to further exchanges. A separate 1% fee applies when an exchange is completed outside foreign exchange market hours.

The out-of-market-hours charge is often described as a weekend fee, but this description is incomplete. The official wording refers to exchanges made outside market hours, which can include certain weekend and public holiday periods.

Currency movements can also affect the underlying value of an international payment. The guide explaining how exchange rates affect businesses provides additional context on how exchange-rate changes can influence costs, margins and overseas revenue.

Businesses that regularly convert large amounts should compare:

Their normal monthly exchange value.
The allowance included with each plan.
The additional subscription cost of upgrading.
The likely 0.6% excess exchange charge.
The timing of currency exchanges.

For example, a company exchanging £20,000 each month would exceed the Grow allowance by £5,000. A 0.6% fee on that excess amount would equal £30, excluding any out-of-market-hours charge.

What Are the Revolut Business Card Fees?

Revolut Business supports physical plastic cards, metal cards and virtual cards. Card availability and included allowances depend on the plan.

Physical and Metal Cards

The first plastic card for an authorised person is generally included, although delivery fees may apply. The cost of additional cards is displayed in the Revolut app before an order is confirmed.

Metal-card availability includes:

Basic: no complimentary metal card.
Grow: one complimentary metal card per authorised person.
Scale: two complimentary metal cards per authorised person.
Enterprise: a custom allowance.

A charge may apply if an account is closed or downgraded shortly after complimentary metal cards have been issued.

Physical corporate cards can generally be issued up to the applicable limit per team member. Businesses should distinguish between different card purposes before ordering them.

This explanation of corporate cards and expense cards covers the differences in how businesses may use them.

Virtual Cards

Revolut’s current public plan comparison states that businesses can issue up to 50 virtual corporate cards per team member.

Virtual cards can be useful for:

Online subscriptions.
Supplier purchases.
Advertising expenditure.
Team spending controls.
Separating payments by department or project.

The previous figure of 200 virtual cards per authorised person should not be retained unless Revolut confirms that it still applies to a particular account or legacy plan.

ATM Withdrawal Fees

A 2% fee applies to Revolut Business cash withdrawals. There is no general fee-free cash withdrawal allowance stated for these plans.

Daily or 24-hour withdrawal limits vary by plan. Revolut’s public pricing page and legal fee schedule currently display different Basic plan limits, so businesses should check the limit shown in their account and applicable terms before relying on a specific figure.

Revolut Business may therefore be expensive for organisations that regularly need to withdraw or handle cash.

Which Additional Revolut Business Charges Should Businesses Consider?

The heading “hidden fees” should be avoided because most of the charges are disclosed in Revolut’s pricing documents or displayed in the app. However, some costs can be overlooked when a business considers only the monthly subscription.

Potential additional charges include:

Local transfers beyond the monthly allowance.
International transfers beyond the allowance.
SWIFT OUR transfer charges.
Currency exchange above the monthly allowance.
Exchanges completed outside market hours.
ATM withdrawal charges.
Additional or replacement physical cards.
Card delivery.
Expense-management charges.
Payroll features.
Payment-processing fees.
Payment hardware.

Revolut’s Expenses app is currently listed at £8 per active team member per month. That cost can become significant where a large number of employees actively submit expenses.

Businesses should therefore calculate the combined cost of the account subscription, payment activity and optional tools rather than judging the account only by its headline monthly price.

How Do Revolut Business Fees Compare with Other Accounts?

Revolut should not automatically be described as cheaper than every traditional or digital business account.

Some UK business account providers offer accounts without a monthly subscription, while others charge monthly fees but include different payment, cash-deposit, borrowing or support features.

Revolut may provide stronger value where a company:

Holds and exchanges several currencies.
Makes international payments.
Requires multiple controlled employee cards.
Wants payment and expense tools within one platform.
Does not rely heavily on cash deposits or branches.

A conventional or alternative digital account may offer better value where a company:

Makes mainly UK payments.
Regularly deposits cash or cheques.
Needs an overdraft or business loan.
Wants face-to-face branch support.
Does not require multi-currency features.

Any comparison should use named account plans and current provider prices rather than making a general statement that traditional banks are more expensive.

What Does Revolut Charge for Accepting Customer Payments?

Payment acceptance is an optional merchant service and its charges are separate from the Revolut Business account subscription.

Online and In-Person Payment Fees

Payment type	Online fee	In-person fee
Domestic consumer Visa or Mastercard	1% + £0.20	0.8% + £0.02
Domestic consumer American Express	1.7% + £0.20	1.7% + £0.02
Domestic commercial cards	2.8% + £0.20	2.6% + £0.02
International cards	2.8% + £0.20	2.6% + £0.02
Personal Revolut Pay	1% + £0.20	0.5% + £0.02
Pay by Bank	1% + £0.20, capped at £5	Not listed

Tap to Pay on iPhone carries an additional £0.08 for applicable in-person transactions.

A £15 chargeback fee can apply, although Revolut states that it may be refunded if the dispute is decided in the business’s favour.

Businesses comparing merchant services may also find the guide to Stripe payment processing fees useful when assessing percentage charges, flat transaction fees and international card costs.

Payment Hardware Costs

Revolut’s current published one-off hardware prices include:

Revolut Terminal: £169 plus VAT.
Lite Terminal: £129 plus VAT.

These hardware charges should be included when calculating the first-year cost of accepting payments in person.

Businesses should check the current Revolut payment acceptance pricing before entering into an arrangement because merchant rates, hardware prices and supported services may change.

Is Money in a Revolut Business Account Protected?

A business should establish which Revolut legal entity provides its account and whether the particular funds qualify for deposit protection.

Revolut Bank UK Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Revolut Ltd is separately authorised to provide e-money and payment services.

Eligible deposits held with a UK-authorised bank may receive Financial Services Compensation Scheme protection. However, eligibility can depend on the customer, legal entity, product and account structure.

Businesses should use the FSCS protection checker and review the terms applying to their individual Revolut account rather than assuming that every balance or service has identical protection.

Is Revolut Business Worth the Fees?

Revolut Business can be worth the cost for businesses that make international payments, exchange currencies or need team cards and expense controls.

Basic May Be Suitable For

Smaller UK businesses.
Businesses making no more than ten local transfers per month.
Companies exchanging less than £1,000 monthly.
Businesses that do not require included international transfers.

Grow May Be Suitable For

Growing businesses making up to 100 local transfers.
Companies making several international transfers each month.
Businesses exchanging up to £15,000 monthly.
Teams that need additional controls and bulk-payment features.

Scale May Be Suitable For

Companies processing high transfer volumes.
Businesses making up to 25 international transfers each month.
Companies exchanging up to £60,000 monthly.
Larger teams requiring higher allowances and more metal cards.

Revolut May Not Be Suitable For

Cash-intensive businesses.
Companies that regularly deposit cheques.
Businesses requiring extensive branch access.
Companies that depend on a conventional overdraft.
Businesses whose activity falls outside Revolut’s eligibility rules.

The best plan is not necessarily the one with the largest allowances. A company should compare the cost of upgrading with the fees it would pay by remaining on a lower plan.

How Can Businesses Minimise Revolut Business Fees?

Businesses can reduce Revolut charges by monitoring how the account is used.

Practical ways to control costs include:

Choosing a plan based on actual monthly activity.
Paying annually only where the business expects to keep the plan for the full year.
Keeping local transfers within the plan allowance.
Grouping international payments where commercially appropriate.
Completing currency exchanges during market hours.
Monitoring the monthly foreign exchange allowance.
Avoiding routine ATM withdrawals.
Limiting paid expense-management access to employees who genuinely require it.
Comparing card-processing costs by card type and customer location.
Reviewing the account whenever transaction volumes change.

The wider guide to ways small businesses can save money provides additional ideas for controlling operating expenses without unnecessarily reducing essential services.

Conclusion

Revolut Business account fees start at £10 per month, but the total cost depends on much more than the plan subscription.

Grow and Scale provide larger payment and currency exchange allowances, but their higher subscription prices will not be cost-effective for every business.

Additional transfer fees, currency exchange charges, ATM fees, employee expense tools and payment-processing costs must also be considered.

Revolut Business is likely to offer the strongest value to companies that operate internationally, manage several currencies or need controlled team spending.

Businesses dealing mainly in domestic payments, cash or cheques should compare it carefully with other UK business account providers.

Frequently Asked Questions

Is Revolut Business free?

No. The Basic Revolut Business plan currently costs £10 per month. Grow, Scale and Enterprise have higher subscription prices.

Why does Revolut show Grow from £30 per month?

Grow costs £35 when billed monthly or £360 when paid annually. The annual price is equivalent to £30 per month.

Why does Revolut show Scale from £90 per month?

Scale costs £125 when billed monthly or £1,080 annually. The annual price is equivalent to £90 per month.

Does Revolut Business charge for UK transfers?

Each plan includes a monthly local transfer allowance. Additional UK local transfers generally cost £0.20 each.

Does Revolut Business charge for international transfers?

Basic does not include free international transfers. Grow includes five per month and Scale includes 25. Further international transfers generally cost £5 each, although other charges may apply to particular transfer methods.

Does Revolut Business charge for cash withdrawals?

Yes. A 2% fee applies to ATM withdrawals.

Does Revolut Business charge for currency exchange?

A 0.6% fee applies when a company exceeds its monthly exchange allowance. A separate 1% fee applies to exchanges completed outside market hours.