Revolut card in Australia: fees, plans, and how it works

Whether you're getting your pay, settling the monthly bills, or heading away for a well-earned break, managing your money should be straightforward. Debit cards in Australia may be tied to complex fee structures and exchange rates that can make spending your own money more expensive than it should be.

In this guide, we break down how the Revolut card works here in Australia, the costs you'll need to know about, and how our multi-currency account helps you manage your money across borders and at home.

If you're ready to create your account and spend easily, discover our Revolut cards in detail.

T&Cs apply.

The information provided is accurate as of 12 January 2026.

Revolut cards in Australia, in a nutshell

The Revolut card is a multi-currency debit card that lets you spend, send, and hold over 30 currencies in one place. It works on a prepaid model: you add money in AUD and we exchange it at competitive rates.

We offer 4 plans in Australia — Standard, Plus, Premium, and Metal — each with specific allowances for ATM withdrawals and currency exchange.

Key benefits include virtual cards for shopping, disposable cards for fraud protection, and an app designed for real-time tracking.

Our card availability in Australia

We're a global financial technology company launched in London in 2015. We've grown to support over 65 million customers worldwide and almost 1 million in Australia by offering features that go beyond traditional money management.

We're fully available to residents in Australia. We provide you with the ability to open a personal account, order physical or virtual cards, and access features like international transfers and personal loans. Our goal is to provide a single app where you can manage your entire financial life with clarity.

How does the Revolut card work?

Your card is a debit card linked directly to your account. It works on a prepaid card model, so you only spend what you've added into your account. This helps you stay on budget.

Once you've downloaded the app and verified your identity, you can add money to your account via transfer or another debit card. You can then use your card — either physical or virtual — to make purchases anywhere Mastercard or Visa are accepted.

When you spend abroad, we automatically convert your AUD into the local currency at our competitive exchange rates. If you already hold a balance in that local currency, we'll use that amount first. It’s designed to be a seamless experience, whether you're at a cafe in Paris or shopping on a US-based website from Australia.

Is the Revolut card a credit card?

No, we don't offer credit cards in Australia. You get a debit card, meaning there's no credit facility linked to it and you can't spend more than your available balance.

If you’re looking for a flexible way to borrow money, you can apply for a personal loan with Revolut.

Application approval and interest rate are subject to assessment. T&Cs, fees, charges, and eligibility criteria apply. Consider PDS & TMD at https://www.revolut.com/en-AU/

Who's the Revolut card for?

Our card can be a good option for:

• frequent travellers: those who need to spend in multiple currencies without carrying large amounts of cash or worrying about high transaction fees
• online shoppers: people who buy from international retailers and want to avoid the mark-ups often found on traditional cards
• expats and students: anyone who frequently sends or receives money from abroad and needs a fast, clear process
• budget-conscious locals: anyone who wants in-app budgeting tools to track daily spending with real-time notifications

Revolut cards: main features and benefits in Australia

Using your Revolut card provides a range of features built for global travel and everyday life:

• Multi-currency accounts: hold and exchange over 30 currencies directly in-app.
• Competitive exchange rates: access competitive exchange rates.
• Smart security features: freeze your card in-app if you lose it, and unfreeze it just as quickly if it's found.
• Disposable cards: create a single-use virtual card for online shopping. The card details are replaced after every use to protect you from fraud.
• Notifications: get an alert on your phone every time you spend.
• Digital wallets: add your card to Apple Pay or Google Pay for easy contactless payments.

Revolut card fees and limits to keep in mind

We aim to be upfront about our services. While we offer many benefits, there are some things to keep in mind:

• Weekend fees: we may apply a small mark-up (usually 1%) to currency exchanges made between 5pm Friday and 6pm Sunday New York time, depending on your plan
• Plan limits: our Standard plan has limits on how much currency you can exchange without fees each month
• ATM fees: if you exceed your monthly no-fee withdrawal limit, a 2% fee applies

Check our plans’ fair usage limits and weekend fees for details.

Revolut cards: supported currencies

We support spending in over 150 currencies globally. You can hold and exchange over 30 currencies directly in your account, including:

• Major currencies: AUD, USD, GBP, EUR, NZD, JPY
• Regional favourites: SGD, HKD, THB, IDR
• Others: CAD, CHF, ZAR, and more

Holding these currencies lets you lock in an exchange rate before you travel.

Revolut account plan types in Australia

To get a card, you need to choose a plan first. Each plan offers different levels of benefits and allowances.

Standard plan

Our basic plan's for those who want to manage their money without a monthly maintenance fee.

• ATM withdrawals: up to $350 (or 5 withdrawals) per month without Revolut fees
• Currency exchange: up to $2,000 per month on weekdays

Plus plan

This plan's for those who want additional protection for their everyday spending.

• Monthly fee: $5.99
• ATM withdrawals: up to $350 per month without Revolut fees per month
• Currency exchange: up to $6,000 per month on weekdays without fees
• Extra benefits: everyday protection for your purchases

Premium plan

Designed for those who want higher limits and global travel benefits.

• Monthly fee: $11.99
• ATM withdrawals: up to $700 per month without fees
• Currency exchange: up to $20,000 per month on weekdays without fees
• Extra benefits: global travel insurance and discounted lounge access

Metal plan

Our most comprehensive plan, featuring our signature 18g solid steel card.

• Monthly fee: $28.99
• ATM withdrawals: up to $1,400 per month without fees
• Currency exchange: unlimited exchange on weekdays without fees
• Extra benefits: cashback on eligible card payments and higher insurance coverage

Want to learn more?Compare our plans and their features and choose the one that best suits your needs.

Paid Plan Terms apply.

How to get a Revolut card

Ordering your card is a straightforward process handled entirely in-app.

Eligibility requirements

To sign up for an account in Australia, you must:

• be at least 18 years old
• be a resident of Australia
• have a valid Australian phone number
• provide a valid form of ID, such as a driver's licence or passport

Delivery time frames

Once you've ordered your physical card, it'll typically arrive within 5–10 business days. You don't have to wait for delivery to start spending. As soon as you sign up, you can create a virtual card in-app and add it to Apple Pay or Google Pay to start shopping immediately.

Delivery fees may apply.

How to use your Revolut card

Using your card is simple:

• In-store: tap for contactless payments or use your PIN.
• Online: use your card details for secure shopping. Use a disposable virtual card for extra protection on new websites.
• ATM: withdraw cash at millions of ATMs globally.
• Digital wallets: use your phone or watch for quick payments.

Advanced features for peace of mind

Security's a key priority when it comes to debit cards. You can control your card's security features directly in-app:

• Freeze and unfreeze: lock your card right away if you misplace it
• Security controls: enable or disable features like contactless payments or online transactions to suit your needs
• Location-based security: optionally limit transactions to countries where your phone's located to help prevent fraud

How to get started

If you want a fast, easy, and cost-effective way to handle your money on your travels, follow these steps:

• Download the app and sign up in a matter of minutes.
• Add money: move money from your current account or debit card to your Revolut account.
• Order your card: head to Cards to order your physical card. You can start using a virtual card immediately for online purchases.