Revolut Business
Banking Verified July 2026
Revolut Business deal: Save up to 28% with annual billing + interbank-rate FX allowances
Multi-currency business account — hold 25+ currencies, exchange at the interbank rate, corporate cards and payment acceptance from one app.
- Interbank-rate FX allowances
- One app for the money stack
- Real annual savings, published
- Treasury built in
How Revolut Business scored 74/100
6 weighted criteria, each scored out of 10 and published with its reasoning. Featured placements never move a score.
Deal Strength
8.0 /10The real value is a genuinely free Basic plan plus annual billing that trims Grow and Scale by up to 22% in the US and 28% in the UK, with interbank-rate currency exchange included on every tier. There is no exclusive coupon, but a $0 business account holding 25+ currencies is a strong entry offer.
Value for Money
8.0 /10Strong value for any business moving money across borders. Grow at $30/month includes a $10,000 interbank FX allowance plus 100 free local and 5 international transfers, so a company converting even a few thousand dollars monthly usually recoups the fee against the 2–4% margins legacy banks bake into exchange rates.
Capability
8.0 /10Revolut Business is a broad platform, not just an account: hold 25+ currencies and send to 150+ countries, issue virtual and metal corporate cards, and run expense management, bulk payments, invoicing, BillPay and payment acceptance via links, QR codes and Revolut Pay. Xero and QuickBooks sync round it out; treasury depth still trails a full bank.
Time to Value
8.0 /10Onboarding is app-first and fast — most businesses download the app, submit documents and start transacting within hours to a couple of days once verification clears. Corporate cards issue instantly in-app, so teams can be spending and converting currency the same day rather than waiting on branch paperwork.
Trust & Reliability
5.0 /10Revolut serves tens of millions of customers and is a licensed bank in the UK and across the EEA, but the US arm is a financial technology company rather than a chartered bank, with deposits held through a partner bank. That structural gap in a key growth market, alongside a track record of customer-support complaints, keeps this score middling despite strong app ratings.
Flexibility & Exit
5.0 /10Billing is straightforward monthly or annual, and businesses can downgrade to the free Basic plan or close an account without exit fees. The catch is that the annual discount commits you for a year, and running payroll, cards and FX through one app means real switching effort if you later move providers.
Save up to 28% with annual billing + interbank-rate FX allowances
Affiliate link — same price for you, and it never moves the score.
- Interbank-rate FX allowances
- One app for the money stack
- Real annual savings, published
- Treasury built in
About Revolut Business
Quick answer
Revolut Business has no free tier and no standing public trial — partner promos offering a free paid-plan month appear per-campaign. The published savings are structural: annual billing cuts Grow and Scale by up to 22% (US) or 28% (UK), and every paid plan includes a monthly allowance of currency exchange at the raw interbank rate — the feature that usually pays for the subscription by itself.
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.
What's included
- Hold 25+ currencies, spend in 150+, transfer to 150+ destinations
- Interbank-rate currency exchange within monthly plan allowances
- Physical + virtual corporate cards with spend controls and approvals
- AI-assisted expense management, BillPay and purchase orders
- Payment acceptance from 0.8% + 2¢ (links, QR, Tap to Pay, Revolut Pay)
- Business savings with daily interest — up to 3.3% AER (variable)
- Xero, Sage, QuickBooks + 45 more integrations; Business API (Grow+)
- Multi-entity management and 24/7 support
Revolut Business pricing
Verified July 2026. Vendor's published rates at the time we checked — always confirm at checkout.
| Plan | Price | What you get |
|---|---|---|
| Basic | $10/mo | $1,000/mo interbank FX, 10 no-fee local transfers, unlimited team members |
| Grow | $40/mo | from — save up to 22% annually; $20,000/mo interbank FX, API, spend approvals |
| Scale | $140/mo | from — $80,000/mo interbank FX, 25 no-fee international transfers |
How to claim it
4 steps. The last one is the part most people skip.
- 1
Open Revolut Business through the link on this page
It carries our referral tag. The price you pay is identical either way, and it never changes the score on this page.
- 2
Pick the plan that matches your usage
This offer applies automatically through the link — there is no code to enter.
- 3
Confirm the discount before you pay
The order summary should show the reduced amount. If it does not, stop and tell us — we re-test listings that stop working.
- 4
Check what happens at renewal
Note the renewal date and the rate it reverts to, so the second invoice is not a surprise. Annual plans are usually cheaper per month but harder to exit.
Where Revolut Business wins and loses
What works
- Interbank-rate FX allowances
- One app for the money stack
- Real annual savings, published
- Treasury built in
What doesn't
- FX allowances are fair-usage capped
- Not a bank in the US
- No free tier, thin Basic plan
The bottom line
Revolut Business folds a multi-currency account, corporate expense cards and payment acceptance into one app, and the genuinely free Basic tier plus interbank-rate FX make it a real money-saver for companies paying or getting paid across borders. The US entity is a fintech rather than a chartered bank and heavy FX users will outgrow the allowances, but for international small businesses it is a clear Buy.
Revolut Business starts at $0/month for the Basic plan in the US, then $30/month for Grow and $119/month for Scale, with custom Enterprise pricing (UK: £10/£30/£90). Annual billing cuts the paid plans by up to 22% in the US and 28% in the UK, and each tier adds larger interbank FX allowances plus more free local and international transfers.
Yes, the Basic plan is genuinely free at $0/month and includes a multi-currency business account, corporate cards and a $1,000 monthly interbank FX allowance, so most businesses can test the platform without a time-limited trial. The paid Grow and Scale plans occasionally run promotional free months, but the free Basic tier is the standard way to get started.
It depends on the region. In the UK, Revolut Bank UK Ltd holds a full banking licence, and across the EEA it operates under a Bank of Lithuania licence. In the US, Revolut is a financial technology company rather than a chartered bank, with banking services and deposit insurance provided through a partner bank — a meaningful distinction for US-based businesses.
Revolut Business converts currency at the interbank (mid-market) rate up to a monthly allowance — $1,000 on Basic, $10,000 on Grow and $80,000 on Scale in the US — during market hours. Beyond the allowance a fair-usage fee of roughly 0.6–1% applies, which is still typically cheaper than the 2–4% spread traditional banks add to their exchange rates.
Revolut Business suits international small and mid-sized companies that want multi-currency accounts, corporate expense cards and payment acceptance in one app. It goes deeper than Wise on cards, expense management and treasury features, while Wise often wins on pure high-volume transfer pricing. Against a legacy bank, it trades branch access for faster onboarding and far cheaper international payments.
Businesses can hold 25+ currencies, send payments to 150+ countries, issue virtual and metal corporate cards, and control spend with expense management, bulk payments, invoicing and BillPay. It also accepts customer payments through payment links, QR codes and Revolut Pay, and syncs with Xero and QuickBooks — covering most day-to-day banking and payment needs for a globally active company.