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, a little below the mid-market rate you would find on Google, and the difference never shows up as a line item. Both are real costs. Only one is advertised.

The advertised half is genuinely cheap. Send money in the currency your recipient actually spends — dollars to India paid out in rupees — and Revolut takes 0.484%, subject to a small minimum. That is the number in the headlines, and for a modest transfer it is the whole story. 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 $10,000 is $15 and Revolut charges nearly seven 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 — and it is not the same figure everywhere Revolut operates.

These are worth comparing before you assume a figure applies to you. A US account gets a $1,000 allowance and pays half a percent beyond it; UK and euro-area accounts get £1,000 and €1,000 respectively and pay a full percent. 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 the measured fee curve without looking at the documents returns an allowance of $2,020for dollars — a round £1,000 converted — and a fair-usage fee of 1%, which is what the schedules state. 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 be the one euro country charging 0.5% where the rest of the euro area charges 1%.

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 itemised

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 1% 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: on a five-figure transfer, waiting until Monday is worth more than any plan upgrade.

The subtler charge is the rate itself. Revolut quotes its own, and it sits a little under mid-market. How far under depends entirely on the currency pair, and the spread between routes is wider than most people assume. On heavily traded corridors the gap is small enough to ignore. On thinner ones it can cost more than the transfer fee several times over — and 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 India, Standard plan, first transfer of the billing month, sent on a weekday. The middle column is the fee Revolut shows you at checkout. The next one adds the money lost to its exchange rate, which the app never puts a number on — on this route the gap is under a tenth of a percent, but it is real and it is yours.

The fee column is exactly what Revolut’s own pricing returned for a Standard account on 6 August 2026, and matches the calculator above. The last column adds the money lost to the exchange rate, which Revolut never itemises: 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 percentage column shows it exactly: the headline rate holds up to about a thousand dollars, then climbs steadily to 1.10% by $25,000. 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 — and it is why the headline 0.484% 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 poor value on a small transfer and barely noticeable on 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 often the cheaper choice despite looking expensive. And since April 2025, neither paid US plan pays the weekend surcharge at all, which for a regular weekend sender can justify the subscription on its own.

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 — 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 couple of thousand home each month is barely past the free allowance, so the fair-usage fee costs them a few dollars and a subscription would cost more. The picture inverts well before most people expect. Priced on both plans, a $10,000 monthly transfer costs a Standard customer $101.54 and a Premium customer $11.99 — a subscription that pays for itself many times over, and keeps widening from there.

Where Revolut wins, and where it does not

Revolut is excellent for small transfers, for paying other Revolut users, and for anyone whose money mostly moves within Europe. On a few hundred dollars a month it is among the cheapest options anywhere, and the app is better than most banking software.

It is a weaker choice for one-off large transfers, precisely because of the allowance. Send $25,000 in a single move on Standard and Revolut charges $274 — 1.10%, or nearer $308 once the rate gap is counted, where a provider charging a flat fee would often be a fraction of that. It is also weaker wherever the rate gap is wide, and that gap is nothing like uniform: across the 964 corridors we price, dollars to India move at a rate within a tenth of a percent of mid-market, while dollars to Morocco or Colombia give up something closer to a full percent 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 an expensive corridor.

For a like-for-like comparison on your own route, the corridor-by-corridor comparison prices fifteen services on the same transfer. On several routes the cheapest option is a specialist remittance app rather than a bank-style account, and the gap is larger than any subscription saving.

Common questions about Revolut fees