Revolut Fee Calculator

What Revolut actually charges to send money

Revolut charges in two places, and only one of them appears on your screen. The transfer fee is quoted before you confirm. The exchange rate is not: Revolut sets its own, below the mid-market rate you would find on Google on most routes, and the difference never shows up as a line item. Both are real costs. Only one is advertised.

The advertised half is a percentage of the amount. Send money in the currency your recipient actually spends — dollars to India paid out in rupees — and Revolut takes 0.15%, subject to a minimum. That is the number in the headlines, and for a modest transfer it is the whole fee. What the headline leaves out is that it only holds while you are inside your monthly exchange allowance. Clear that, send at a weekend, or pay in a currency the destination does not use, and the real cost separates from the advertised one quickly.

The third figure is the one worth sitting with, because 0.15% of $5,000 is $7.50 and Revolut charges $27.50, 3.7 times that. Nothing has gone wrong: the headline rate covers only the first slice of what you exchange each month, and everything beyond it carries an exchange fee too. That threshold does more to determine what you pay than the headline rate does, which is why it gets a section of its own below.

What is genuinely free

Three kinds of payment cost nothing on every plan, including the free one. If your transfer is one of these, stop reading — there is no fee to calculate.

The exchange fee, and why big transfers cost more than 0.15%

Every plan comes with a monthly amount you can exchange without paying an exchange fee. Stay inside it and currency conversion is free. Go past it and Revolut charges a percentage on the excess — what it calls a fair-usage fee. On the free plan that allowance is modest enough that a single decent-sized transfer clears it on its own. Nor is it the same figure everywhere Revolut operates.

These are worth comparing before you assume a figure applies to you. On Revolut’s own quotes a US account gets a $1,000 allowance and pays 0.5% beyond it. UK and euro-area accounts each have their own allowance and fair-usage fee. Same brand, three schedules, materially different pricing — and the entity behind your account, not the currency you happen to be sending, is what decides which one you are on.

We check the two against each other rather than trusting either alone. Solving Revolut’s own quotes for a US account across the amounts we collect, without looking at the documents, returns 0.15% to send plus a fair-usage fee of 0.5% beyond $1,000 — which is what the US schedule states. That agreement is the point: where the measurement and the published terms disagree, we go back and find out why. It caught a real error here, since Germany turns out to charge a different fair-usage fee from the rest of the euro area.

This is the mechanism behind the gap in the previous section. The headline rate is honest; it simply describes a smaller transfer than most people are making. Beyond the allowance, every additional dollar carries the exchange fee as well as the transfer fee, and since the allowance is fixed while the transfer is not, the proportion you lose climbs with the amount.

Weekends, and the fee that is never itemized

Currency markets shut on Friday evening and reopen on Sunday evening. Revolut cannot hedge a conversion it makes while they are closed, so on the free plan it adds a surcharge to any exchange in that window. This is the most avoidable cost on the page, and the only one you can eliminate by doing nothing at all: waiting until Monday avoids it entirely.

The subtler charge is the rate itself. Revolut quotes its own, and on most routes it sits under mid-market. How far under depends entirely on the currency pair, and the spread between routes is wider than most people assume: from a US account, about 0.07% to India and about 1.9% to Morocco. Unlike the fee, no plan discount touches it, because the discounts apply to what Revolut charges, not to the rate it quotes.

This is why comparing advertised fees between services tells you so little, and why the calculator above works from the amount your recipient actually receives. If you want the mechanics, our guide to exchange rate markups covers how to read any provider’s rate against the real one.

What a real transfer costs

Dollars to an Indian bank account, Standard plan, first transfer of the billing month, from each of Revolut’s two dollar accounts: its US account, and a UK account held in dollars. The fee columns are what Revolut shows you at checkout. The last one adds the money lost to its exchange rate on the US account, which the app never puts a number on — on this route the gap is about 0.07%, but it is real and it is yours.

The fee columns are exactly what Revolut’s own pricing returned for a Standard account on 9 October 2026 — the same quotes the calculator above prices. Choose “United States (USD)” or “United Kingdom — USD account” in it to see each. The last column adds the money lost to the exchange rate, which Revolut never itemizes: we measure it by comparing its quoted rate against mid-market, and that comparison is good to roughly a tenth of a percent — enough to size the gap, not enough to quote it to the cent. It is shown rounded for that reason. Revolut reprices continuously.

The shape is what matters, and the percentages show it exactly: the headline rate holds at a thousand dollars, then climbs to 0.55% by $5,000 on a US account and 0.89% on a UK account in dollars, which has its own allowance and fair-usage fee. It rises with the amount because the allowance is a fixed monthly figure and your transfer is not. That is the reverse of a flat-fee provider, where sending more makes the percentage fall. It is also why the headline 0.15% is a poor guide to what a large transfer actually costs.

What each plan costs

Revolut sets subscription prices country by country, and the ladders are not the same on both sides of the Atlantic: the UK has five tiers, the US three. Standard is free in both, and paying annually costs less than paying monthly on every paid tier. The figures below come from Revolut’s own published fee schedules, linked on each row so you can check them.

What each kind of transfer costs in the US

The calculator prices the common route — sending in the currency your recipient spends. Revolut’s US schedules cover the routes it does not quote, and reading all three side by side shows something the marketing does not: the plan discount is not limited to the headline fee. It applies to every line.

Three things are worth pulling out. Sending in a currency the destination does not use is charged as a flat amount rather than a percentage, so it is a larger share of a small transfer than of a large one. The “pay all fees” option, which guarantees your recipient receives the full sum with nothing skimmed by intermediary banks, is a flat charge — on a large transfer to a country where correspondent banks take a cut, it is worth weighing against what those banks would deduct. And since April 2025, neither paid US plan pays the weekend surcharge at all, which matters to anyone who regularly sends at weekends.

Plan names link to the fee schedule each price is taken from. The UK prices are also collected in Revolut’s all-plans schedule. Sending from somewhere else? Revolut publishes a schedule for every country it operates in, so pick yours on its fees page to see the plan prices and allowances that apply to your account.

When paying for a plan actually pays

A paid plan does two things: it raises the exchange allowance and it discounts the transfer fee. Of the two, the allowance is what actually moves the needle, because the transfer fee was never the expensive part. Whether a subscription is worth it is therefore a question about volume, not loyalty, and it has a clean answer.

Someone sending a little more than the free allowance each month pays the fair-usage fee only on the excess, and that can come to less than a subscription. The picture inverts well before most people expect. On Standard, $5,000 from a US account costs $27.50, and only $7.50 of that is the transfer fee: the other $20.00 is the fair-usage fee on everything past the $1,000 allowance, which is exactly what a paid plan’s larger allowance removes — and it keeps widening with the amount.

Where Revolut fits, and where it does not

Revolut’s pricing is built around transfers inside the monthly allowance, payments to other Revolut users, and euro payments within SEPA. On a few hundred dollars a month, inside the allowance, you pay the transfer fee and the rate gap, with no fair-usage fee on top.

One-off large transfers cost more as a share of the amount, precisely because of the allowance. Send $5,000 in a single move on Standard and Revolut charges $27.50 from a US account (0.55%) and $44.29 from a UK account in dollars (0.89%), where a provider charging a flat fee charges the same however much you send. The rate gap adds to that, and it is nothing like uniform: across the 240 corridors we price, dollars to India move at a rate about 0.07% from mid-market, while dollars to Morocco give up about 1.9% and to Colombia (from a UK account; the US account does not pay out in pesos) about 1.3% on the rate alone. No plan discount touches any of it, because the discounts cut the fee and leave the rate alone — which is exactly why a subscription is the wrong lever on a corridor with a wide rate gap.

For a like-for-like comparison on your own route, the corridor-by-corridor comparison prices fifteen services on the same transfer. On many routes a specialist remittance app prices the transfer differently from a bank-style account, so compare before you pay for a subscription to save on fees.

Common questions about Revolut fees