Review

Money transfer

Revolut review: plans, exchange fees and ATM limits

Revolut review: UK Standard is free, paid UK plans cost GBP 3.99 to GBP 55 a month, and Standard exchange above GBP 1,000 a month costs 1% (Sep 2026).

Last checked:

Best for

  • Travelers who want a card, currency exchange and travel extras in one app
  • People who stay within the free exchange and ATM allowances of their plan
  • Friends and families who send each other money often: transfers between Revolut accounts are free

Choose something else if

  • If you convert large sums often, a service without fair-usage allowances fits better than UK Standard with its GBP 1,000 monthly threshold (as of 26 Sep 2026).
  • If you want bank deposit protection wherever you live, pick a bank in your country of residence: Revolut’s protection depends on the entity that holds your account.

Key numbers

Plans
Standard free; Plus GBP 3.99, Premium GBP 7.99, Metal GBP 14.99, Ultra GBP 55 a month
UK, as of 26 Sep 2026
Currency exchange
Revolut rate; 1% above GBP 1,000 per rolling month, plus 1% weekend fee where it applies
Standard plan, UK, as of 26 Sep 2026
ATM withdrawals
5 withdrawals or GBP 200 per rolling month, whichever comes first, then 2%, minimum GBP 1
Standard plan, UK, as of 26 Sep 2026
First card
No issue charge; delivery is paid
Standard plan, UK, as of 26 Sep 2026
Transfers
Free between Revolut accounts; external transfers depend on route, currency and plan
as of 26 Sep 2026
Mobile wallets
Apple Pay and Google Pay supported
as of 26 Sep 2026

Verdict

Revolut is a money app with multi-currency balances, Visa or Mastercard cards, transfers, in-app crypto and travel extras. It suits travelers who want one app for spending abroad and who stay within their plan’s free exchange and ATM allowances. It operates in the UK, the EEA, the US and many other countries, with features and protection set by region.

UK prices (as of 26 Sep 2026): Standard is free; Plus costs GBP 3.99, Premium GBP 7.99, Metal GBP 14.99 and Ultra GBP 55 a month. Revolut converts at its own variable rate. On UK Standard it adds 1% above GBP 1,000 of exchange per rolling month, plus a 1% weekend fee where it applies. Standard covers 5 ATM withdrawals or GBP 200 per rolling month, whichever comes first, then 2% with a GBP 1 minimum. Transfers between Revolut accounts are free.

The main limitation is that the cost depends on plan, timing and country: large conversions above the allowance and weekend exchanges on Standard carry extra fees. Protection depends on the Revolut entity that holds your account. Revolut launched its UK bank on 11 March 2026 and moves customers over in phases; the app shows which entity you are with.

Card and payments

Type
Virtual + physical
Custody
Not applicable
KYC
Required
Apple Pay
Yes
Google Pay
Yes

What it costs you

Prices for Revolut depend on where your account is registered. Enter your trip to see the total in fees.

Enter foreign-currency amounts at their value in GBP.

Assumes a GBP card used in another currency outside Europe, so payments and cash are converted.

For this trip Revolut Standard costs about 8.90 GBP.

  1. 1
    Revolut StandardCheapestUnited Kingdom · Review

    Trip total: 8.90 GBP

    Per month: 8.90 GBP

    Exchange
    6.90 GBP
    ATM
    2.00 GBP
    Plan
    0.00 GBP
    Card
    0.00 GBP

    card delivery extra

    Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator

Key fees by region

  • United Kingdom · Revolut Standard

    Exchange free up to GBP 1,000 a rolling month, then 1%, plus 1% at weekends; cash free for 5 withdrawals or GBP 200, then 2% (min GBP 1). Card delivery is extra.

    Fees as of 26 Sep 2026 · source

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
  • The app shows the exchange quote and your remaining allowance before you pay

Cons

  • Exchange fees and allowances depend on plan, timing and market
  • Card delivery and optional subscriptions can cost extra

Alternatives

Wise

Money transfer

Multi-currency account and card with transparent conversion pricing.

  • Travelers who spend in several currencies and want a clear conversion fee
  • Freelancers receiving and converting international payments
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ReviewCheck terms

N26

Money transfer

Euro bank account with a Mastercard for residents of selected European countries.

  • Residents of supported countries who need a euro account
  • People who keep savings in euros and want deposit protection
Last checked:
ReviewCheck terms

Deel

Money transfer

Global contractor-payment platform with bank, card, e-wallet and stablecoin withdrawals.

  • Contractors whose clients already use Deel
  • Remote workers who want a stablecoin payout option
Last checked:
ReviewCheck terms

Head-to-head comparisons

Revolut vs N26Revolut vs Payoneer

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FAQ

How much do Revolut plans cost?

In the UK (as of 26 Sep 2026) Standard is free, Plus costs GBP 3.99, Premium GBP 7.99, Metal GBP 14.99 and Ultra GBP 55 a month; paid plans can also be billed yearly. Higher plans come with larger free exchange and ATM allowances. Prices are set by country of residence, so EEA and US plans have their own price lists.

What exchange rate does Revolut use, and what does it charge?

Revolut converts at its own variable exchange rate. On the UK Standard plan (as of 26 Sep 2026) it adds 1% to exchanges above GBP 1,000 per rolling month and a 1% weekend exchange fee where it applies. Example: if you exchange GBP 1,500 on weekdays and nothing else within a rolling month, the 1% applies to the GBP 500 above the allowance, a GBP 5 fee. The app shows the quote and the allowance you have left before you confirm.

How much can I withdraw from ATMs with Revolut for free?

On UK Standard (as of 26 Sep 2026): 5 withdrawals or GBP 200 per rolling month, whichever comes first. After that Revolut charges 2% per withdrawal, minimum GBP 1, and the ATM operator may add its own fee. Paid plans have larger allowances.

Is my money protected at Revolut?

It depends on the Revolut entity that holds your account: bank deposits and e-money accounts are protected differently. Revolut launched its UK bank on 11 March 2026 and is moving customers over in phases; the app shows which entity you are with. Crypto holdings sit outside deposit protection.

Sources

  1. Revolut pricing plans — revolut.com
  2. Revolut Standard plan fees (US) — revolut.com
  3. Revolut fees overview (US) — revolut.com
  4. Revolut UK Standard fees — revolut.com
  5. Revolut exchange rate explanation — help.revolut.com
  6. Revolut UK exchange allowances — help.revolut.com
  7. Revolut UK bank launch and migration — revolut.com
  8. Revolut supported residence countries — help.revolut.com
  9. Revolut holding currencies (US scope) — help.revolut.com

Fees and terms change, so check the provider’s current price page before you sign up. How we compare