Revolut Business

What Revolut Business actually does

Revolut Business is a financial platform for companies that operate across borders: hold 25+ currencies, spend in 150+, transfer to 150+ destinations with IBAN and SWIFT details, and exchange currency at the interbank rate within your plan's monthly allowance. Around the account sit physical and virtual corporate cards with spend controls and approvals, AI-assisted expense management, BillPay for supplier payments, invoicing, and payment acceptance from 0.8% + 2¢ — payment links, QR codes, Tap to Pay on iPhone and Revolut Pay in front of Revolut's 75M+ consumer users.

Treasury features round it out: business savings with daily interest (up to 3.3% AER variable on Enterprise), FX forwards, and limit/stop orders — plus Xero, Sage, QuickBooks and 45+ other integrations, with a Business API from the Grow tier up.

Pricing in 2026 — what you'll really pay

Verified from the official plans pages: Basic at $10/month (£10 UK) covers the core account with unlimited team members, FX at the interbank rate up to $1,000/month and 10 no-fee local transfers — but zero no-fee international transfers. Grow, from $40/month (£30 UK), lifts the interbank FX allowance to $20,000/month, adds 5 no-fee international and 100 no-fee local transfers, a metal card, savings interest, bulk transfers, spend approvals and the API. Scale, from $140/month (£90 UK), raises FX to $80,000/month with 25 no-fee international and 1,000 local transfers. Enterprise is custom with dedicated account management. Pricing is geo-set — the checkout shows your market's figures.

The FX math — where Revolut wins or doesn't

Banks typically mark up currency conversion 2–4%. On a $15,000 monthly conversion volume, Grow's interbank allowance saves roughly $300–600 a month against a legacy bank — dwarfing the $40 fee. But the allowance is the whole story: past it, a markup applies, and interbank rates only run during market hours. Match your real monthly conversion volume to the tier before choosing.

Where it shines

For international operators, the combination is hard to beat: real multi-currency accounts, cards, expense management and payment acceptance in one app instead of four vendors, with multi-entity management for groups. The official app ratings (4.9 App Store, 4.6 Google Play, 4.6 Trustpilot) and 30k+ new businesses joining monthly are unusual social proof for business banking.

Where it falls short — read this if you're in the US

Revolut holds banking licences in the UK (Revolut Bank UK Ltd, PRA/FCA-regulated) and the EEA (Bank of Lithuania) — but in the US it is a technology services provider, not a bank: US Business cards are prepaid cards issued by partner Lead Bank (Member FDIC). That's a meaningful structural difference from a chartered US business bank. Beyond that, Basic's $1,000 FX allowance is thin, its zero no-fee international transfers undercut the headline use-case, and dedicated account management hides behind Enterprise.

Who should buy

Businesses paying suppliers or contractors across currencies — agencies, e-commerce operators, distributed startups — get the clearest win, starting at Grow, where the FX allowance and API live. UK/EEA companies get the strongest version of the product (an actual licensed bank). US companies should weigh the prepaid-card structure honestly; purely domestic businesses with no FX volume are paying for an engine they won't use.