Wise
Multi-currency account and card with transparent conversion pricing.
Last checked: 2026-08-03
- Travelers comparing FX costs
- Freelancers receiving and converting international payments
Review
Revolut
Revolut combines payments, cards and currency exchange. Compare the quote for your legal entity and plan: Revolut sets its own variable exchange rate, not a guaranteed interbank rate. An allowance without an additional fee does not promise the best total price. Banking protection and access to crypto or travel extras depend on the product and country.
Last checked: 2026-08-11
Not financial advice
This is informational content, not financial, tax or legal advice. Check official terms, eligibility, limits and local reporting obligations before using any provider.
Best for
- One-app travel money with FX and extras
- Users who stay within free FX and ATM allowances
Avoid if
- Large conversions wanting no fair-usage fees
- Users needing bank-grade protection in every market
Summary verdict
- Multi-currency app, cards, transfers and in-app crypto with tiered plans.
- Pricing remains residence-specific. The checked UK plans were Standard free, Plus 3.99 GBP, Premium 7.99 GBP, Metal 14.99 GBP and Ultra 55 GBP monthly.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
UK, EEA, US and many other countries; features and protection vary by region
Plans, fair-usage allowances, ATM limits and consumer protection vary by country.
Card and payments
- Type
- Virtual + physical
- Custody
- Not applicable
- KYC
- Required
- Apple Pay
- Yes
- Google Pay
- Yes
Watchout
- Check the account entity: UK Bank accounts and Revolut Ltd e-money accounts have different protection during migration
- Deposit protection is not protection for crypto losses
Fees and limits
| Issue | UK Standard first card has no issue charge but delivery is charged; check the complete order price. |
|---|---|
| Monthly | Standard plan free; Plus, Premium, Metal and Ultra tiers carry recurring fees |
| Annual | No annual fee on Standard; paid tiers billed monthly or yearly |
| FX | Own variable Revolut exchange rate. UK Standard example: 1% above GBP 1,000 per rolling month, plus 1% weekend exchange fee where applicable; other plans and markets differ. |
| ATM | Free up to a monthly allowance (region and plan dependent, e.g. EUR 200 or USD 800), then about 2% |
| Spend | Revolut-to-Revolut transfers are free; external transfers vary by route, currency and plan |
| Limits | Fair-usage and ATM allowances scale with plan; spending limits are account-specific |
How it works
- Multi-currency payments and cards in supported markets
- Variable Revolut exchange rate with plan-specific allowances
- Budgeting and optional services subject to local availability
Pros
- A Standard plan without a subscription charge
- In-app quote and allowance tracking for comparing total costs
Cons
- Exchange fees and allowances depend on plan, timing and market
- Card delivery and optional subscriptions can cost extra
Risks / compliance notes
- Check the account entity: UK Bank accounts and Revolut Ltd e-money accounts have different protection during migration
- Deposit protection is not protection for crypto losses
Official sources
Verified from official pages: Revolut pricing plans
Data confidence
- Source checked
- 2026-08-11
- Data confidence
- High
- Review status
- Fresh
- Pricing remains residence-specific. The checked UK plans were Standard free, Plus 3.99 GBP, Premium 7.99 GBP, Metal 14.99 GBP and Ultra 55 GBP monthly.
- 2026-09-09: own exchange rate and delivery cost corrected from UK terms. UK bank launched 11 March 2026 with phased migration; check the entity in-app. This does not revalidate all older regional price examples.
Editorial verification
Who checked this review and how
This is a desk review based on recorded official sources, not a hands-on product test or customer review. Compare the documented fees, eligibility and limitations. We do not publish numerical product scores without a reproducible assessment.
- Review process
- Official-source desk review
- Last checked
- Recorded sources
- 7 official sources
Final decision check
Confirm these four points against the provider’s current terms before relying on it.
Availability
Region-dependent — UK, EEA, US and many other countries; features and protection vary by region
Last checked
Last checked: 2026-08-11
May fit
Travelers wanting one app for cards, FX and extras
Main limitation
You convert large amounts and want no fair-usage fees
Check current terms
This opens the provider’s official site. Fees, eligibility and availability can change.
Alternatives
N26
Euro bank account: check residence eligibility, card costs and ATM terms.
Last checked: 2026-08-11
- Residents on the supported-country list needing a euro account
- Users comparing bank-deposit protection and cash-withdrawal conditions
Deel
Global contractor-payment platform with multi-currency and USDC withdrawals.
Last checked: 2026-09-07
- Contractors whose clients already use Deel
- Remote workers who want a USDC payout option
Head-to-head comparisons
Related next steps
FAQ
Does Revolut always use the interbank rate without fees?
No. Revolut sets its own variable rate. For the UK Standard example, the help page lists a 1% fee above GBP 1,000 per rolling month and a 1% weekend exchange fee. Other plans and markets differ. Compare the final quote; paying from an existing currency balance is not itself a new exchange.
Is the cheapest transfer provider always best?
No. Reliability, corridor support, documentation and recovery options matter for important transfers.
Should freelancers keep a backup payout method?
Yes. Account reviews or corridor limits can interrupt cash flow even with legitimate payments.