Paid Plan Terms for Swiss clients of Revolut Bank UAB

This version of terms will apply from 15 july 2026 unless indicated otherwise. Please click here to see the previous terms that apply until 15 july 2026.

Paid Plan Terms for Swiss clients of Revolut Bank UAB

1. Why this information is important

This information sets out the extra services we provide to our Premium, Metal and Ultra (each a Paid Plan) users. It also sets out other important things that you need to know.

These terms and conditions are part of the legal agreement (the Agreement) between you and us referred to in the Personal Terms. If there is any inconsistency between the Personal Terms and these terms and conditions, these terms and conditions will prevail.

You can ask for a copy of these terms and conditions through the Revolut app (“the app”) or you can request a copy from one of our support agents at any time.

Please read these terms and conditions carefully

Your subscription for the Paid Plan service will automatically renew every year unless you give us notice to end it before the automatic renewal. Regardless of how you pay your subscription, we may charge a fee if you end the subscription within 10 months of it starting. Our fees are set out in the Fees Page.

We may restrict your right to upgrade or downgrade your subscription more than once in a 12- month period.

Please see section 12 of these terms for more information about what fee you may be charged if you downgrade or cancel your subscription early.

2. About us

We are Revolut Bank UAB (Revolut Bank), an authorised bank which is regulated by the Bank of Lithuania. Our company number is 304580906.

Revolut Bank has its registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.

Except where these terms and conditions say otherwise, the rights and obligations set out in these terms apply to you and Revolut Bank.

3. What are the Paid Plan services?

What are the Revolut Premium services?

Premium users have access to all the services available to personal account holders on a Standard plan, as well as the following benefits:

• two free Revolut Premium cards (and one free replacement each subsequent year);
• up to three active physical Revolut cards at any one time;
• access to up to 2 Revolut - Kids & Teens accounts and full access to Revolut - Kids & Teens features;

• higher interest rates for Savings Vaults than for Standard customers (when they are available to us);
• priority customer support through the app;
• double the free ATM withdrawal allowance of Standard users;

• the opportunity to buy discounted lounge passes;
• Plan Partnerships;
• access to cryptocurrency and precious metals at better rates than Standard users; and
• any other benefits we add from time to time.

What are the Revolut Metal services?

Metal users have access to all the services and benefits available to Standard and Premium users above, as well as the following benefits:

• one free contactless stainless steel Revolut Metal card;
• four times the free ATM withdrawal allowance of Standard users;
• higher interest rates for Savings Vaults (where they are available to us);

• Plan Partnerships;
• access to up to 5 Revolut - Kids & Teens accounts; and

• any other benefits we add from time to time.

What are the Revolut Ultra services?

Ultra users have access to all the services and benefits available to Standard, Premium and Metal users listed above as well as the following benefits:

• one free contactless Revolut Ultra card;
• complimentary lounge passes for personal use and the opportunity to buy passes for your guests;
• ten times the free ATM withdrawal allowance of Standard users;
• Plan Partnerships;
• in-app calls (in English only); and
• any other benefits we add from time to time.

4. What are the Paid Plan cards?

Revolut Premium Card

If you become a Premium user you'll be able to order a Revolut Premium Card with exclusive designs. We'll also issue an extra Premium Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Premium Cards that we issue above your free allowance.

Revolut Metal Card

If you upgrade to Metal, we'll issue you with a Revolut Metal Card that is only available to Metal users. You can only hold one Metal Card at any time. You can still use other Revolut cards you have.

Revolut Ultra Card

If you upgrade to Ultra, we'll issue you with a Revolut Ultra Card that is only available to Ultra users. You can still use other Revolut cards you have.

5. Paying your Paid Plan subscription

You can pay your subscription fee in monthly instalments or pay the full subscription once a year. These fees are set out in our Fees Page.

When you become a Paid Plan user we will ask you to pay the subscription from a card you've registered with us (your stored card). We will take the subscription from that stored card while you remain a Paid Plan user.

If we can't take payment from your Personal account balance, we’ll try to take the payment from your stored card but if we’re unable to charge the amount to your stored card for any reason (for example, because it has expired), we will ask you to register another card which will become your new stored card. If you don't do this within seven days, we'll take the subscription from your account. We may also take legal steps to collect the payment. If we do, you may have to pay our reasonable costs of doing so.

You may be responsible for paying any taxes or costs that we are not responsible for collecting from you.

Unfortunately, if you do not pay the subscription within 30 days of it becoming due, we may cancel your subscription and downgrade you to a Standard plan.

6. Fees for downgrading your Paid Plan subscription

You can end your Paid Plan subscription at any time (we call this a downgrade). However, you may have to pay a fee. You'll still be able to benefit from the services you get for your subscription until the end of your billing cycle you have paid a subscription for, excluding any break fee. So if you pay your subscription monthly and decide to downgrade, you’ll be able to keep using the subscription within the month that you’ve already paid for; if you pay annually, you’ll have access to your subscription until the end of that annual billing cycle. After then, you'll become a Standard user again (a personal account holder who does not pay a subscription for the Paid Plan service).

Sometimes, we may waive the fee you pay for a downgrade. Where we do this, you might need to promise to do (or not do) certain things to be eligible for the waiver. For example, we might waive your downgrade fee if you sign up to a new plan, but you might need to promise not to cancel that new plan within a certain time. Whether or not we will waive a fee is our decision. We’ll let you know if we are willing to waive a break fee for you (for example, in app or by email).

The fees for ending or downgrading your subscription are set out below.

If you downgrade within 14 days

If you pay your subscription in monthly instalments, we’ll give you a full refund of your subscription. If we sent a Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. If you ordered a Metal card, we’ll charge you CHF 49.99 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you CHF 59.99 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee.

If you pay the full subscription once a year, we’ll give you a full refund of your subscription. If we sent a Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. Please refer to your plan’s fees page for current information on delivery fees. If you ordered a Metal card, we’ll charge you CHF 49.99 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you CHF 59.99 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. Please refer to your plan’s fees page for current information on delivery fees.

If you downgrade after 14 days but within 6 months for Ultra users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, and you will also be charged an additional month as break fee. This is a break fee and you will not be able to benefit from the services for an additional month, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for. If you ordered an Ultra card, we will not charge you for the card or any delivery fee.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee, a fee for the Ultra Card or the delivery fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 6 months for Ultra users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after 14 days but within 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription. We'll also charge a break fee equal to two months' subscription. This is a break fee and you will not be able to benefit from the services for an additional two months, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

7. When can we end your Paid Plan subscription?

We can suspend access to your account and end your Paid Plan subscription immediately if:

• we suspect you are behaving fraudulently or otherwise criminally;
• you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
• you have broken these terms and conditions in a serious or persistent way;
• you owe us money and, despite us asking you to pay us, you have not done so within a reasonable period of time;
• you've been declared bankrupt; or
• we must do so under any law, regulation, court order or ombudsman's instructions.

We may also end your subscription for other reasons, but we will give you at least two months' notice through the app, by text message or in an email.

8. Legal bits and pieces

We can change these terms

We can change these terms and conditions, but we'll only do so for the following reasons:

• if we think it will make them easier to understand or more helpful to you;
• to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided;

• to reflect legal or regulatory requirements that apply to us;
• to reflect changes in the cost of running our business; or
• because we are changing our products or services or introducing new ones.

If we add a new product or service that doesn't change these terms and conditions, we may add the product or service immediately and let you know before you use it.

Otherwise, we'll give you at least 2 (two) months’ notice through the Revolut app and/or email before we make any change. We'll assume you're happy with the change unless you tell us that you want to close your account before the change comes into effect.

If you do not agree with the proposed changes, you have the right to reject them. If you reject the changes, you may terminate your contract with us free of charge. You can do this at any time before the date the changes would have taken effect.

Our contract with you

Only you and Revolut Bank have any rights under the agreement.

The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.

Our right to transfer

You agree and permit us to merge, reorganize, spin-off, transform or execute any other form of reorganization or restructuring of our company or business and/or transfer or assign all of our rights and obligations under these terms and conditions to any third party.

We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won’t have a significant negative effect on your rights under these terms or we need to do so to keep to any legal or regulatory requirement, or it is done as a result of implementation of reorganization (or a similar process).

Lithuanian law applies

The laws of the Republic of Lithuania apply to these terms and conditions and the agreement. Despite this, you can still rely on the mandatory consumer protection rules of the EEA country or Switzerland where you live.

The English version of the agreement applies

If these terms and conditions are translated into another language, the translation is for reference only and the English version will apply.

Our right to enforce the agreement

If you have broken the agreement between you and us and we don’t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing them at a later date.

Taking legal action against us

Legal action under these terms and conditions can only be brought in the courts of the Republic of Lithuania (or in the courts of any EU Member State or Switzerland where you reside).

Privacy

Your personal data will be processed in line with the customer privacy notice that applies to your account, which you can find here.

Cryptocurrency & Precious Metals

This page shows the terms for the services provided to you by us, Revolut Bank.

The Precious Metals products are offered by our UK company, Revolut Ltd, under the Commodities Services Terms. Cryptocurrency products are offered by Revolut Digital Assets Europe Limited (“RDAEL”), under the Cryptocurrency Terms.

Appendix 1: Personal Fees (Premium)

Subscription

Subscription fee

• CHF 11.99 a month or CHF 125 a year.

Administration fee

• CHF 2.1 per month (this only applies if we decide to close your account and there is still money remaining after the account closure notice period has passed. This fee will be applied to cover our costs for holding and administrating your remaining money. Please see more information about this fee in our Personal terms).

Add money

Add money

• Stored card: free. However, if you add money with a card that has not been issued within the EEA (e.g. a US-based card) or you add money with a commercial card then we may charge a small fee just to cover our costs.
• Bank transfer: free.

Card

First Premium Revolut Card

• Free. Your first card can be a Premium or Standard one (but remember, you may have to pay a card delivery commission if you cancel your subscription within 14 days of signing up and a Premium card has been sent).

Second Revolut Premium card

• Also free. Your second card can be a Premium or Standard one. If you cancel your subscription within 14 days of ordering a second card, you may have to pay a card delivery commission.

Additional Revolut Cards

• Your first two cards are free as a Premium customer (as set out above). You also get one free replacement every subsequent year. After this, we charge CHF 9.99 per additional card.

Custom Card (design your own card in the Revolut App)

• This feature is subject to card stock availability. We’ll tell you what fee applies before you order your card in the App. Express delivery of a Custom Card is free. If you need to replace a Custom Card, the same fees will apply.

Special Edition Card

• Price per card varies depending on the edition (a delivery commission applies). If you need to replace a Special Edition Card and the card is still on offer, you will need to pay the same fee again.

Revolut Pro Card

• If you have a Revolut Pro account and order a Revolut Pro card, we’ll show you what fee applies for the card before you order your card in the Revolut app (a delivery commission also applies - accordingly with your plan and as set below). Your Pro card does not count towards the card limit on your Personal plan.

Delivery Commission for Revolut cards

• *but remember, you may have to pay the delivery commission (please see the amount in the Standard plan column) if you cancel your plan within 14 days of ordering the card. Also, in some cases for special edition cards, delivery commission may be applicable to all the plans.

Virtual Revolut Cards

• Free.

Spend

ATM Withdrawals

• Free withdrawals up to CHF 400 per rolling month, then a fee applies. That fee is 2% of the withdrawal, subject to a minimum fee of CHF 1 per withdrawal.

Send

This page sets out the payments you can send for free on a Premium plan, and the fees you will pay for any other payments. If a fee applies, we’ll let you know in the Revolut app before you make the payment.

Instant Transfers to other Revolut Users

• Free. This means any Instant Transfer to any Revolut user, globally.

Local payments

• Free. This means payments in your base currency that are sent to an account in your country.

Payments within the Single European Payments Area

• Free. This means payments in euros that are sent to an account outside your country but inside the Single Euro Payments Area (known as "SEPA"). For Swedish customers, this also includes the same payments when made in Swedish krona. For Romanian customers, this also includes the same payments when made in Romanian leu.

Card transfers

A fee applies for card transfers.

• This means payment directed to a supported non-Revolut card number, made using the Revolut app. This fee will be calculated in real time and shown to you in the app before you confirm the payment. The exact fee will depend on the transaction itself (for example, on how much you are sending and where to). You can also see our live fees here.

All other international payments

• You can see our live fees for international payments here.
• You will receive a 20% discount on the fee for any international payments you make, regardless of the number of international payments that you make. The 20% discount on the fee will be calculated for each international payment you make. The fee (including the discount) will be calculated in real time and shown to you in the app before you make the payment. The exact fee will depend on what currency you are sending and where you are sending it to but our maximum fees are capped.
• This means any international payment (other than a payment within the Single Euro Payments Area, as set out above).

Pay All Fees feature

• When you make an international payment, intermediary banks may deduct fees from the amount you sent. Our “Pay All Fees” feature allows you to pay a flat upfront fee which guarantees that the recipient receives the full amount. This will be charged instead of the standard international payment fee.
• The amount of the fee depends on your base currency. It can change from time to time, but you will always see the current fee in the app before you agree to the transfer. You can see our current fees and the routes where this feature is available on our pricing page here.
• A discount on this fee (if any) will be applied according to your price plan in the same way as for other international payment fees.

Exchange

Whenever you make an exchange using Revolut within your plan’s exchange limit:

• You get the Revolut exchange rate;
• We add an exchange fee (if one applies); and
• Where possible, we will tell you the total cost before you make the exchange.

This pricing applies to exchanges in money currencies. We’ve explained it in more detail below.

The only time you will pay more is if you exceed your plan’s exchange limit. If you exceed this limit, you will be charged a fair usage fee on the additional amount. These limits are:

• Standard: Exchange limit of CHF 1’250 per month. Fair usage fee of 1% applies to any additional exchange.
• Premium, Metal and Ultra: No exchange limit. No fair usage fee.

Where possible, the rate, any fee and the total cost will be shown to you in the app before you make an exchange. You’ll be able to take a look, compare it against our competitors, and decide if you like the total cost or not - we think you will like it. The only exception, where it is not possible to show you the total cost in advance, is when you make a card purchase that requires an exchange to take place in real time (for example, you make a purchase in USD, but you do not have a USD balance, meaning we need to perform the conversion in real time for you). However, after the transaction, you will be able to view the breakdown of the total cost within the app.

Exchanging money currencies

Whenever you make a money currency exchange using Revolut, we use our Revolut exchange rate, add a fee (if one applies), and where possible show you the total cost.

We use our own Revolut exchange rate for money currency exchanges. This rate is set by us. It is a variable exchange rate and is constantly changing. This means that the money currency buy and sell rates are determined based on data feeds from a range of independent sources, as well as the amount of the transaction. You can view the currency exchange rate on our website or in-app.

Exchange rates will be the same whether it's done as an in-app exchange, an exchange for a transfer, or an exchange for a payment.

The fee we charge (if one applies) is an exchange fee. This is a variable fee (which means it is constantly changing) depending on the parameters of your exchange (like what you are exchanging and when). You can see what this fee is in the app.

Please see our FAQs for more information about the money currency exchange, Revolut exchange rate and exchange fee.

Revolut Pro Account

If you have a Revolut Pro account, the below fees apply in relation to your use of your Revolut Pro account and any services available to you as a Revolut Pro customer like the payment processing product. Please see the Revolut Pro Account terms (which we call the “Pro Terms”) and the Payment Processing Services Agreement (which we call the “Payment Processing Terms”) for more information about the services these fees relate to.

Revolut Pro Payment Processing Fees

If you use our payment processing product as a Revolut Pro customer, the below fees will apply to your use of those services. Our fees for online payments include a percentage fee and a fixed fee. Please see the Payment Processing Terms for more information on the services which these fees relate to, and our approach to blending fees.

The following fees will apply (we call these the “Revolut Pro Payment Processing Fees”):

Merchant Chargebacks

If one of your customers disputes a transaction, they can raise a 'chargeback' request. For example, they may do so if they allege a transaction was fraudulent or a product was counterfeit or not delivered. If the chargeback is successful, the transaction will be refunded, but you’ll be charged a chargeback fee. The chargeback fee depends on the currency of the original transaction, as set out below. You may be able to challenge the chargeback request.

There is more information about disputes and chargebacks in our Payment Processing Services Agreement.

The amount of the chargeback fee depends on the currency of the original transaction. If you provide evidence that the transaction has been legitimate and you delivered products or services according to the agreement with the customer, the issuer bank might revert the chargeback and you will also get the chargeback fee reverted back to your Revolut Pro account.

Please see the details about chargeback fee amounts below:

To view this in the regulator's standardised format please click here.

A glossary of the terms used in this document is available free of charge.

Cryptocurrency & Precious Metals fees

This page shows the fees for the services provided to you by us, Revolut Bank UAB. The Precious Metals products are offered by our UK company, Revolut Ltd. The Cryptocurrency products are offered by either Revolut Ltd or RT Digital Securities Cyprus Ltd (RTDSCL). You can see these fees here (scroll down to the bottom of the page).

Appendix 2: Personal Fees (Metal)

Subscription

Subscription fee

• CHF 20.99 a month or CHF 200 a year.

Administration fee

• CHF 2.1 per month (this only applies if we decide to close your account and there is still money remaining after the account closure notice period has passed. This fee will be applied to cover our costs for holding and administrating your remaining money. Please see more information about this fee in our Personal terms).

Add money

• Stored card: free. However, if you add money with a card that has not been issued within the EEA (e.g. a US-based card) or you add money with a commercial card then we may charge a small fee just to cover our costs.
• Bank transfer: free.

Card

First Revolut Metal Card

• Free. Your first card can be a Metal Premium or Standard one (but remember, you may have to pay a card delivery commission and CHF 49.99 for the Metal card itself if you cancel your subscription within 14 days of signing up and a Metal card has been sent).

Second Revolut Metal card

• Also free. Your second card can be a Metal, Premium or Standard one (unless your first card was Metal - you only get one free Metal card). If you cancel your subscription within 14 days of ordering a second card, you may have to pay a card delivery commission.

Additional Revolut Cards

• Your first two cards are free as a Metal customer (as set out above). After this, we charge CHF 49.99 per additional Metal card (or CHF 9.99 per additional non Metal card).

Custom Card (design your own card in the Revolut App)

• This feature is subject to card stock availability. We’ll tell you what fee applies before you order your card in the App. Express delivery of a Custom Card is free. If you need to replace a Custom Card, the same fee applies.

Special Edition Card

• Price per card varies depending on the edition (and a delivery fee applies - we’ll tell you what fee applies before you order your card in the App). If you need to replace a Special Edition Card and the card is still on offer, you will need to pay the same fee again.

Revolut Pro Card

• If you have a Revolut Pro account and order a Revolut Pro card, we’ll show you what fee applies for the card before you order your card in the Revolut app (a delivery fee also applies - we’ll tell you what fee applies before you order your card in the App). Your Pro card does not count towards the card limit on your Personal plan.

Delivery Commission for Revolut cards

• *but remember, you may have to pay the delivery commission (please see the amount in the Standard plan column) if you cancel your plan within 14 days of ordering the card. Also, in some cases for special edition cards, delivery commission may be applicable to all the plans.

Virtual Revolut Cards

• Free.

Spend

ATM Withdrawals

• Free withdrawals up to CHF 800 per rolling month, then a fee applies. That fee is 2% of the withdrawal, subject to a minimum fee of CHF 1 per withdrawal.

Send

This page sets out the payments you can send for free on a Metal plan, and the fees you will pay for other payments. If a fee applies we’ll let you know in the Revolut app before you make the payment.

Transfers to other Revolut Users

• Free. This means any Instant Transfer to any Revolut user, globally.

Local payments

• Free. This means payments in your base currency that are sent to an account in your country.

Payments within the Single European Payments Area

• Free. This means payments in euros that are sent to an account outside your country but inside the Single Euro Payments Area (known as "SEPA"). For Swedish customers, this also includes the same payments when made in Swedish krona. For Romanian customers, this also includes the same payments when made in Romanian leu.

Card transfers

A fee applies for card transfers.

• This means payment directed to a supported non-Revolut card number, made using the Revolut app. This fee will be calculated in real time and shown to you in the app before you confirm the payment. The exact fee will depend on the transaction itself (for example, on how much you are sending and where to). You can also see our live fees here.

All other international payments

• You can see our live fees for international payments here.
• You will receive a 40% discount on the fee for any international payments you make, regardless of the number of international payments that you make. The 40% discount on the fee will be calculated for each international payment you make. The fee (including the discount) will be calculated in real time and shown to you in the app before you make the payment. The exact fee will depend on what currency you are sending and where you are sending it to but our maximum fees are capped.
• This means any international payment (other than a payment within the Single Euro Payments Area, as set out above).

Pay All Fees feature

• When you make an international payment, intermediary banks may deduct fees from the amount you sent. Our “Pay All Fees” feature allows you to pay a flat upfront fee which guarantees that the recipient receives the full amount. This will be charged instead of the standard international payment fee.
• The amount of the fee depends on your base currency. It can change from time to time, but you will always see the current fee in the app before you agree to the transfer. You can see our current fees and the routes where this feature is available on our pricing page here.
• A discount on this fee (if any) will be applied according to your price plan in the same way as for other international payment fees.

Exchange

Whenever you make an exchange using Revolut within your plan’s exchange limit:

• You get the Revolut exchange rate;
• We add an exchange fee (if one applies); and
• Where possible, we will tell you the total cost before you make the exchange.

This pricing applies to exchanges in money currencies. We’ve explained it in more detail below.

The only time you will pay more is if you exceed your plan’s exchange limit. If you exceed this limit, you will be charged a fair usage fee on the additional amount. These limits are:

• Standard: Exchange limit of CHF 1’250 per month. Fair usage fee of 1% applies to any additional exchange.
• Premium, Metal and Ultra: No exchange limit. No fair usage fee.

Where possible, the rate, any fee and the total cost will be shown to you in the app before you make an exchange. You’ll be able to take a look, compare it against our competitors, and decide if you like the total cost or not - we think you will like it. The only exception, where it is not possible to show you the total cost in advance, is when you make a card purchase that requires an exchange to take place in real time (for example, you make a purchase in USD, but you do not have a USD balance, meaning we need to perform the conversion in real time for you). However, after the transaction, you will be able to view the breakdown of the total cost within the app.

Exchanging money currencies

Whenever you make a money currency exchange using Revolut, we use our Revolut exchange rate, add a fee (if one applies), and where possible show you the total cost.

We use our own Revolut exchange rate for money currency exchanges. This rate is set by us. It is a variable exchange rate and is constantly changing. This means that the money currency buy and sell rates are determined based on data feeds from a range of independent sources, as well as the amount of the transaction. You can view the currency exchange rate on our website or in-app.

Exchange rates will be the same whether it's done as an in-app exchange, an exchange for a transfer, or an exchange for a payment.

The fee we charge (if one applies) is an exchange fee. This is a variable fee (which means it is constantly changing) depending on the parameters of your exchange (like what you are exchanging and when). You can see what this fee is in the app.

Please see our FAQs for more information about the money currency exchange, Revolut exchange rate and exchange fee.

Revolut Pro Account

If you have a Revolut Pro account, the below fees apply in relation to your use of your Revolut Pro account and any services available to you as a Revolut Pro customer like the payment processing product. Please see the Revolut Pro Account terms (which we call the “Pro Terms”) and the Payment Processing Services Agreement (which we call the “Payment Processing Terms”) for more information about the services these fees relate to.

Revolut Pro Payment Processing Fees

If you use our payment processing product as a Revolut Pro customer, the below fees will apply to your use of those services. Our fees for online payments include a percentage fee and a fixed fee. Please see the Payment Processing Terms for more information on the services which these fees relate to, and our approach to blending fees.

The following fees will apply (we call these the “Revolut Pro Payment Processing Fees”):

Merchant Chargebacks

If one of your customers disputes a transaction, they can raise a 'chargeback' request. For example, they may do so if they allege a transaction was fraudulent or a product was counterfeit or not delivered. If the chargeback is successful, the transaction will be refunded, but you’ll be charged a chargeback fee. The chargeback fee depends on the currency of the original transaction, as set out below. You may be able to challenge the chargeback request.

There is more information about disputes and chargebacks in our Payment Processing Services Agreement.

The amount of the chargeback fee depends on the currency of the original transaction. If you provide evidence that the transaction has been legitimate and you delivered products or services according to the agreement with the customer, the issuer bank might revert the chargeback and you will also get the chargeback fee reverted back to your Revolut Pro account.

Please see the details about chargeback fee amounts below:

To view this in the regulator's standardised format please click here.

A glossary of the terms used in this document is available free of charge.

Cryptocurrency & Precious Metals fees

This page shows the fees for the services provided to you by us, Revolut Bank UAB. The Precious Metals products are offered by our UK company, Revolut Ltd. The Cryptocurrency products are offered by either Revolut Ltd or RT Digital Securities Cyprus Ltd (RTDSCL). You can see these fees here (scroll down to the bottom of the page).

Appendix 3: Personal Fees (Ultra)

Subscription

Subscription fee

• CHF 65 a month or CHF 650 a year.

Administration fee

• CHF 2.1 per month (this only applies if we decide to close your account and there is still money remaining after the account closure notice period has passed. This fee will be applied to cover our costs for holding and administrating your remaining money. Please see more information about this fee in our Personal terms).

Add money

Add money

• Stored card: free. However, if you add money with a card that has not been issued within the EEA (e.g. a US-based card) or you add money with a commercial card then we may charge a small fee just to cover our costs.
• Bank transfer: free.

Card

First Revolut Card

• Free. Your first free card can be an Ultra, Premium or Standard one (but remember, you may have to pay a card delivery commission and CHF 59.99 for the Ultra card itself if you cancel your subscription within 6 months of signing up and a Ultra card has been sent as set out in the Paid Plan Terms). You may also order a Metal card but you will have to pay CHF 49.99 if you wish to do so.

Second Revolut Card

• Also free. Your second card can be an Ultra, Premium or Standard one (unless your first card was an Ultra as you only have one Ultra card at any one time). If you cancel your subscription within 6 months of signing up, you may have to pay a card delivery commission and CHF 59.99 for the Ultra card itself. You may also order a Metal card if you do not already have one, but you will have to pay CHF 49.99 if you wish to do so.

Additional Revolut Cards

• Your first two cards are free as an Ultra customer (as set out above), except for Metal cards which are only available for a fee. After this, we will charge CHF 59.99 per additional Ultra card (or CHF 49.99 for a Metal card and CHF 9.99 for any other additional card).

Custom Card (design your own card in the Revolut App)

• This feature does not apply to Ultra cards, and is subject to card stock availability. We’ll tell you what fee applies before you order your card in the App. Express delivery of a Custom Card is free. If you need to replace a Custom Card, the same fee applies.

Special Edition Card

• Price per card varies depending on the edition (and a delivery commission applies). If you need to replace a Special Edition Card and the card is still on offer, you will need to pay the same fee again.

Revolut Pro Card

• If you have a Revolut Pro account and order a Revolut Pro card, we’ll show you what fee applies for the card before you order your card in the Revolut app (a delivery commission also applies - accordingly with your plan and as set below). Your Pro card does not count towards the card limit on your Personal plan.

Delivery Commission for Revolut cards

• *but remember, you may have to pay the delivery commission (please see the amount in the Standard plan column) if you cancel your plan within 14 days of ordering the card. Also, in some cases for special edition cards, delivery commission may be applicable to all the plans.

Virtual Revolut Cards

• Free.

Spend

ATM Withdrawals

• Free withdrawals up to CHF 2’000 per rolling month, then a fee applies. That fee is 2% of the withdrawal, subject to a minimum fee of CHF 1 per withdrawal.

Send

This page sets out the payments you can send for free on a Ultra plan, and the fees you will pay for any other payments. If a fee applies, we'll let you know in the Revolut app before you make the payment.

Instant transfers to other Revolut Users

• Free. This means any Instant Transfer to any Revolut user, globally.

Local payments

• Free. This means payments in your base currency that are sent to an account in your country.

Payments within the Single European Payments Area

• Free. This means payments in euros that are sent to an account outside your country but inside the Single Euro Payments Area (known as "SEPA"). For Swedish customers, this also includes the same payments when made in Swedish krona. For Romanian customers, this also includes the same payments when made in Romanian leu.

Card transfers

A fee applies for card transfers.

• A fee applies for card transfers. This means payment directed to a supported non-Revolut card number, made using the Revolut app. This fee will be calculated in real time and shown to you in the app before you confirm the payment. You can also see our live fees here. The exact fee will depend on the transaction itself (for example, on how much you are sending and where to).

All other international payments

• You can see our live fees for international payments here.
• You will receive a 100% discount on the fee for any international payments you make, regardless of the number of international payments that you make. The 100% discount on the fee will be calculated for each international payment you make. The fee (including the discount) will be calculated in real time and shown to you in the app before you make the payment. The exact fee will depend on what currency you are sending and where you are sending it to but our maximum fees are capped.
• This means any international payment (other than a payment within the Single Euro Payments Area, as set out above).

Pay All Fees feature

• When you make an international payment, intermediary banks may deduct fees from the amount you sent. Our “Pay All Fees” feature allows you to pay a flat upfront fee which guarantees that the recipient receives the full amount. This will be charged instead of the standard international payment fee.
• The amount of the fee depends on your base currency. It can change from time to time, but you will always see the current fee in the app before you agree to the transfer. You can see our current fees and the routes where this feature is available on our pricing page here.
• A discount on this fee (if any) will be applied according to your price plan in the same way as for other international payment fees.

Exchange

Whenever you make an exchange using Revolut within your plan’s exchange limit:

• You get the Revolut exchange rate;
• We add an exchange fee (if one applies); and
• Where possible, we will tell you the total cost before you make the exchange.

This pricing applies to exchanges in money currencies. We’ve explained it in more detail below.

The only time you will pay more is if you exceed your plan’s exchange limit. If you exceed this limit, you will be charged a fair usage fee on the additional amount. These limits are:

• Standard: Exchange limit of CHF 1’250 per month. Fair usage fee of 1% applies to any additional exchange.
• Premium, Metal and Ultra: No exchange limit. No fair usage fee.

Where possible, the rate, any fee and the total cost will be shown to you in the app before you make an exchange. You’ll be able to take a look, compare it against our competitors, and decide if you like the total cost or not - we think you will like it. The only exception, where it is not possible to show you the total cost in advance, is when you make a card purchase that requires an exchange to take place in real time (for example, you make a purchase in USD, but you do not have a USD balance, meaning we need to perform the conversion in real time for you). However, after the transaction, you will be able to view the breakdown of the total cost within the app.

Exchanging money currencies

Whenever you make a money currency exchange using Revolut, we use our Revolut exchange rate, add a fee (if one applies), and where possible show you the total cost.

We use our own Revolut exchange rate for money currency exchanges. This rate is set by us. It is a variable exchange rate and is constantly changing. This means that the money currency buy and sell rates are determined based on data feeds from a range of independent sources, as well as the amount of the transaction. You can view the currency exchange rate on our website or in-app.

Exchange rates will be the same whether it's done as an in-app exchange, an exchange for a transfer, or an exchange for a payment.

The fee we charge (if one applies) is an exchange fee. This is a variable fee (which means it is constantly changing) depending on the parameters of your exchange (like what you are exchanging and when). You can see what this fee is in the app.

Please see our FAQs for more information about the money currency exchange, Revolut exchange rate and exchange fee.

Revolut Pro Account

If you have a Revolut Pro account, the below fees apply in relation to your use of your Revolut Pro account and any services available to you as a Revolut Pro customer like the payment processing product. Please see the Revolut Pro Account terms (which we call the “Pro Terms”) and the Payment Processing Services Agreement (which we call the “Payment Processing Terms”) for more information about the services these fees relate to.

Revolut Pro Payment Processing Fees

If you use our payment processing product as a Revolut Pro customer, the below fees will apply to your use of those services. Our fees for online payments include a percentage fee and a fixed fee. Please see the Payment Processing Terms for more information on the services which these fees relate to, and our approach to blending fees.

The following fees will apply (we call these the “Revolut Pro Payment Processing Fees”):

Merchant Chargebacks

If one of your customers disputes a transaction, they can raise a 'chargeback' request. For example, they may do so if they allege a transaction was fraudulent or a product was counterfeit or not delivered. If the chargeback is successful, the transaction will be refunded, but you’ll be charged a chargeback fee. The chargeback fee depends on the currency of the original transaction, as set out below. You may be able to challenge the chargeback request.

There is more information about disputes and chargebacks in our Payment Processing Services Agreement.

The amount of the chargeback fee depends on the currency of the original transaction. If you provide evidence that the transaction has been legitimate and you delivered products or services according to the agreement with the customer, the issuer bank might revert the chargeback and you will also get the chargeback fee reverted back to your Revolut Pro account.

Please see the details about chargeback fee amounts below:

To view this in the regulator's standardised format please click here.

A glossary of the terms used in this document is available free of charge.

Cryptocurrency & Precious Metals fees

This page shows the fees for the services provided to you by us, Revolut Bank UAB. The Precious Metals products are offered by our UK company, Revolut Ltd. The Cryptocurrency products are offered by either Revolut Ltd or RT Digital Securities Cyprus Ltd (RTDSCL). You can see these fees here (scroll down to the bottom of the page).