Revolut is a fintech app that provides multi-currency accounts, budgeting functionality, stocks and cryptocurrency trading, and physical/virtual cards for more than 45 million customers. Revolut personal plans include a completely free Standard tier and premium options like Premium, which offer travel insurance, higher allowances, and metal cards, with prices that vary by the customer's country of residence.
Transferring money from one Revolut account to another is completely free, regardless of the currency, across 25+ supported currencies. This is likely to be the most consistent value proposition from Revolut – international transfers to your friends, family, and business associates who also use Revolut are completely free and there's no charge for them, no matter the amount you send.
Standard is completely free. Premium costs $9.99 per month and provides travel insurance, higher exchange allowance, and priority customer support. Metal is $16.99/month and provides the highest savings APY (around 5.50%), unlimited weekday exchanges of foreign currencies, and a stainless steel card. In the UK and EU markets, Revolut provides a different plan ladder (Plus, Premium, Metal, Ultra) and different prices, so please consult the plan prices that are valid in your market.
In-app currency exchange is free, up to a certain monthly limit that varies based on your tier (up to $1,000/month on Standard, and up on premium tiers), above which a 0.5% fee kicks in. There's a separate weekend markup on currency exchange via in-app transactions (around 1% on Standard, less or none on other tiers) although it applies only to in-app transactions and not bank transfers.
Withdrawals are always free at the network of over 55,000 ATMs, regardless of your plan. At non-network ATMs, a person with a Standard tier can withdraw up to $800/month without a Revolut fee; after that, a 2% fee is added to the fee that is charged by the ATM operator.
Currently, in the US market, Revolut is a money services business that deposits your funds with partner banks which have FDIC deposit insurance, providing deposit protection up to $250,000 per depositor through those banks. Revolut has applied for its US national bank charter with the Office of the Comptroller of the Currency in March 2026; once it's approved, Revolut will become FDIC-protected directly, without going through a partner bank.
Crypto trading fees on the main app vary depending on your plan tier and 30-day trading volume (from around 1.49% down toward 0% depending on volume), and people with Standard and Plus plans incur the highest fees among all tiers. Revolut Business is a separate product tier from Revolut Personal, which includes a free Basic tier (5 fee-free local transfers, $1,000/month in fee-free currency exchanges) and then goes up in Grow and Scale tiers.
Yes, it is completely free on the Standard plan. You can still encounter fees on specific transactions (e.g., currency exchange beyond monthly allowance, non-network ATM withdrawals beyond $800/month or weekend exchange markup). However, using the free account has no cost at all.
Yes, it's fully FDIC-protected through partner banks in the US (similar protection to traditional bank accounts, even though Revolut itself doesn't hold US banking license).
It is free up to the monthly fair-usage limit (around $1,000 on Standard) and 0.5% per exchange after that. Additionally, there is a separate weekend markup of 1% on in-app currency exchange transactions (doesn't apply to bank transfers).
Yes, significantly lower at high trading volume, compared to fees on Standard and Plus plans; however, at low trading volume, the lower fee may not compensate for the subscription price.
Unlimited at the network of over 55,000 ATMs, regardless of your plan. At non-network ATMs, a person with Standard plan gets up to $800/month of fee-free transactions before a 2% fee kicks in; other tiers usually have higher allowances.
Yes, on any plan tier, including the free Standard, in 25+ currencies, with no restrictions on amount or frequency mentioned.
Yes, Revolut has applied for a national bank charter with the US Office of the Comptroller of the Currency in March 2026.
No, they are separate products. Revolut Business plans (Basic, Grow, Scale, Enterprise) have separate allowances and pricing from Personal plans (Standard, Premium, Metal), so check the correct Revolut page based on what account you want to compare.