Personal fees (Plus)

This version of our terms will apply from 7 June 2023. If you would like to see the terms that apply until 7 June 2023, please click here.

Subscription

Subscription fee

£2.99 a month or £29.99 a year.

Add money

Add money

Add money by bank transfer to your home account (in your home country)

• Free.

Add money by bank transfer to a local account (outside your home country)

• USA local accounts via Fedwire (wire transfer): £8

Add money using a UK or EEA issued card

• Free

However, if you add money with a card that is issued somewhere else (e.g. in the USA, Switzerland or anywhere else that is not part of the UK or EEA) or you add money with a commercial card then we may charge a small fee to cover our costs.

Card

First Revolut Plus Card

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

Second Revolut Plus card

Also free. Your second card can be a Plus or Standard one.

Additional Revolut Cards

Your first two cards are free as a Plus customer (as set out above). You also get one free replacement every subsequent year. Other than this, we charge £10 or currency equivalent per 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. Standard delivery of a Custom Card is free but you will need to pay a fee to ship a Custom Card by express delivery (we will tell you the fee in the App).

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.

Standard delivery charge for Revolut cards

Free. (But remember, you may have to pay this back if you cancel your plan within 14 days of ordering the card.)

Virtual Revolut cards

Free.

Spend

ATM Withdrawals

Free withdrawals up to £200, then a fee applies. That fee is 2% of the withdrawal, subject to a minimum fee of £1 per withdrawal.

Send

This page sets out the payments you can send for free on a Plus 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").

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

A fee applies for international payments on our Plus plans.

This fee will be calculated in real time and shown to you in the app before you make the payment. You can see our live fees here. 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 relates to 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.

Exchange

Whenever you make an exchange using Revolut, we use simple and transparent pricing:

• You get the real exchange rate;
• We add a small, transparent exchange fee (if one applies); and
• You see the total cost, with no hidden mark-ups or surprises.

This pricing applies to exchanges in money currencies, cryptocurrencies and precious metals. We’ve explained it in more detail below.

The only time you will pay more than this is if you exceed the exchange fair usage limit for your plan. If you do, you will be charged an exchange fair usage fee on any exchange above the limit. All of our plans allow you to make at least £1,000 of exchange per month without an exchange fair usage fee. However, after that, an exchange fair usage fee of 1.0% applies for Standard and 0.5% for Plus plans. You can avoid this completely by upgrading to a Premium or Metal plan (if you haven’t already), which don’t have any exchange fair usage limits.

In all cases, the rate, and any fee (if one applies), will be shown to you separately in the app, along with the total cost, before you make an exchange. You’ll be able to take a look, compare it against our competitors, and decide if you like the overall price or not - we think you will like it.

Exchanging money currencies

Whenever you make a money currency exchange using Revolut, we use our simple and transparent pricing formula of rate + fee (if one applies) = total cost.

We use the real exchange rate for money currency exchanges. The “real” rate can mean different things to different people (and can be given different names, like the “interbank” rate). But the truth is money currencies are exchanged by many different players on many different markets and there’s no one rate to rule them all. Here at Revolut, the real exchange rate means the buy and sell rates we have determined based on the foreign exchange market data feeds we consume from a range of different independent sources. This is a variable exchange rate (which means it is constantly changing). We think you’ll really like it.

The fee we charge (if one applies) is a single fee for money currency conversions. This is a variable fee, which means it changes depending on the parameters of your exchange (like what you are exchanging and when). You can see what this fee is, and how it is made up, in the app. It covers the following things

• Exchanging an uncommon currency. This covers the costs and risks to us of dealing in less common or restricted currencies.
• Exchanging when the market is closed. This covers the uncertainty of making an exchange while the market is closed (which is why our fee can be smaller during business hours).

You can also use the currency converter tools on our website to understand what exchange rate fee applies when doing the following things:

• making a transfer (in a supported currency),
• making a card payment (involving a currency exchange in a supported or unsupported currency), or
• making a currency exchange (in a supported currency) in the app.

The applicable exchange rate fee will include any applicable fees for exchanging an uncommon currency or conversions when the market is closed.

Exchanging cryptocurrencies

Whenever you make a cryptocurrency exchange using Revolut, we use our simple and transparent pricing formula of rate + fee = total cost.

The exchange rate we use for crypto is set out in our Cryptocurrency Terms. It is set by us, based on the rate that the crypto exchanges offer us, and is a variable exchange rate (which means it is constantly changing). You can always see the current crypto exchange rate in the Revolut app.

Crypto fees

We will charge you the following fees in relation to our crypto product depending on your plan.

We will charge Standard and Plus users: 1.99% of the value of your crypto transaction or the currency equivalent of £0.99, whichever is greater. This ‘minimum fee’ amount is based on the currency of your residence.

From 1 May 2023, the minimum fee we will charge Standard and Plus users will change:

You may have different fees if you are a customer in Bulgaria or Sweden. If you are a customer in Bulgaria, please refer to the fees that apply in your country from 3 April 2023 here. If you are a customer in Sweden, please refer to the fees that apply in your country until 1 May 2023 here.

Please note that we do not apply a minimum fee for our "spend from crypto balance" feature. As always, we will show you the rate, the fee, and the total cost in the Revolut app before you make any exchange.

Remember, your crypto exchanges count towards your exchange fair usage limit if you are a Standard or Plus customer in any country, or a Premium customer in Spain or Greece (but not if you’re a Metal customer, or a Premium customer in a country that is not Spain or Greece).

Exchanging precious metals

Whenever you make a precious metals exchange using Revolut, we use our simple and transparent pricing formula of rate + fee = total cost.

The exchange rate we use for precious metals is set out in our Precious Metals Terms. It is set by us, and is a variable exchange rate (which means it is constantly changing). You can always see the current precious metals exchange rate in the Revolut app.

For all precious metal conversions we charge the greater of a fixed minimum fee or a variable fee where:

1. The fixed minimum fee is UK 1 GBP (or local currency equivalent as shown in the list below); or
2. The variable fee is 1.99% of the value of the precious metal conversion for Standard and Plus users (and 1.49% for Premium and Metal users).

The fixed minimum country-specific fees are:

UK 1 GBP

Eurozone 1 EUR

Bulgaria 4 BGN

Switzerland 1 CHF

Liechtenstein 1 CHF

Czech Republic 29 CZK

Denmark 9 DKK

Hungary 500 HUF

Norway 10 NOK

Poland 6 PLN

Romania 6 RON

Sweden 20 SEK

Iceland 200 ISK

As always, we will show you the rate, the fee, and the total cost in the Revolut app before you make any exchange.

Remember, your precious metal conversions count towards your exchange fair usage limit if you are a Standard or Plus customer (but not if you’re a Premium or Metal customer).

The highest rate relevant to your conversion will apply. For example, for a Metal user conversion between BTC and XAU, we will apply the fee that applies to BTC (1.5%), not the fee for XAU (1.49%).

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. 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”):

• 2.5% for online payments,
• and 1.5% for offline payments using the Card Reader.

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:

AUD 30; CAD 25; CHF 20; DKK 130; EUR 15; GBP 15; HKD 150; JPY 2000; NOK 200; NZD 30; PLN 80; SEK 200; USD 20; ZAR 350.

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 here.