Business Bank accounts

Revolut Business review: Pros, Cons & Top Alternatives

Panna Kemenes

25.06.26 (last updated)

Read time 4 minutes

Revolut is a payment service provider with 52.5 million users as of 2024. Around 1.1 million people use the Revolut Business app on a daily basis.¹

One of Revolut's top products is the Revolut Business account. The business account is an online solution for business banking. With it, you can convert multiple currencies in one place. You can also send and receive international payments.

There's more to it than payments, though. This Revolut Business review will breakdown the key features and benefits of the Revolut Business account.

Revolut Business: Quick Overview

Here's an overview of the Revolut Business account fees and features at a glance:


Opening fee	No opening fee, but all plans require a monthly subscription fee.
Monthly fee²	Basic – $10/month Grow – From $40/month Scale – From $140/month Enterprise – Custom
Trustpilot rating³	Revolut as a company (not the Business account separately) has a Trustpilot rating of 4.6 out of 5
Great for:	Quick international payments and accounting integrations.

Can I add a business account to my Revolut?

In short, yes, you can.

First, here's how you can apply for a Revolut Business bank account:

Fill out the online form and submit the relevant business documentation
The Revolut team will review your application
If there are any doubts about your information, the team will reach out to confirm

Once you have your business account set up, you can switch or add other Revolut Business accounts. To do so, here are the steps to take:

Click on your account name in the upper left corner and open the 'Settings' tab
Once in 'Settings', click your account name and you can 'switch' or 'add' other Revolut accounts

If you choose to add an account, you can set up another business to link to your Revolut account.

Revolut Business Pros and Cons

✅ Pros	❌ Cons
Up to 50 virtual cards per team member – On all payment plans you can issue up to 50 virtual and three physical corporate cards per team member	2% ATM withdrawal fee – For every ATM withdrawal there's a 2% fee
Mobile app – With a dedicated mobile app, you can manage your Revolut business banking by viewing funds and transactions	No cash or check deposits – You can't make cash or check deposits into your Revolut Business account
Account software integration – The Revolut business account syncs with various third-party accounting tools such as Sage, Xero, and QuickBooks

Revolut Business Features

Revolut is not a bank in the US, and as such, varies in what it offers businesses.

While Revolut holds an EU banking licence (via Lithuania, granted in 2018) and a UK banking licence (granted in 2024), it operates as a non-bank financial institution in the United States. This means certain bank-specific protections may not apply to US customers in the same way they would in the EU or UK.

Here are the features you can access with a Revolut Business account:

Dedicated mobile app – The dedicated mobile app integration allows users to track their spending, record expense receipts, and much more
Manage 25+ currencies – You can receive, store, and send funds in more than 25 currencies with your Revolut account
Access to virtual and physical corporate cards – You can pay however you want using virtual or physical cards with Revolut

Is Revolut Business Safe?

Revolut offers various security features to protect user funds and transactions, such as the following:⁴

FDIC insurance – Your funds are covered up to the value of $250,000 with FDIC insurance
Anti-fraud measures – Revolut will flag suspicious activity, ask for verification to keep your account safe, and its Revolut business cards are 3D secure
Team permissions – Manage admin rights with team permissions so you can control exactly who has access to your account

Revolut Business Pricing and Plans

Basic	Grow	Scale	Enterprise
$10/month 0 free international payments 10 free local payments	From $40/month 5 free international payments 100 free local payments	From $140/month 25 free international payments 1,000 free local payments	Custom ⁵

Revolut Business Transfer Limits

The Revolut Business account has various limits to consider:


ATM withdrawals	£3,000 per day (or the equivalent) for any card associated with the account. £100,000 spending cap per month (or the equivalent) for each card.
SWIFT transfers	Unlimited.
US domestic wires	$50,000 per wire transfer. $200,000 cumulative domestic wire initiations daily (from 12.00am to 11.59pm ET)
ACH transfers	$175,000 value cap per transfer. $200,000 daily limit for transfers under $100,000. Transfers made within the limits should be received in less than 24 hours, but once you exceed the limit, the transfers act as normal ACH transfers and take up to 3 working days to arrive.

All the limits listed here are fixed and cannot be changed.

There's no limit to how much you can receive into your Revolut Business account. The one exception is ACH transfers in the USA which are limited to 1,000,000 USD. Large transaction sums may prompt a request for additional information.⁶⁷⁸

What's Better Than Revolut Business? Top Alternatives

Wise Business

Key features:

Use the mid-market rate
Hold and manage over 40 different currencies all from one account
Transparent transaction fees
No hidden fees
Safe and trusted by over 700,000 business customers worldwide
⭐️ Trustpilot: Excellent 4.3 out of 5 stars

Pricing:

Free to open an account in the US
One-time fee to gain 10 local account details
No monthly subscription fees
No minimum balance requirement
International payments from 0.41%

Best for:

Wise Business is an excellent option for sending and receiving money internationally.

💡 Did you know?
You can easily connect a Wise Business account to accounting software, such as QuickBooks, Xero and FreshBooks. Your accountant will love how easy it is to connect Wise with their existing systems.
Save time on accounting with Wise

🔍 Read the head-on comparison of Wise vs Revolut for Business to find out more

PayPal for Business

Key features:

Flexible checkout options
Market services with PayPal's global reach
Various software integrations

Pricing:

Free to open account
No monthly fees
No minimum balance requirement
International payments: 4.49% of the transaction amount plus a fixed fee based on the currency

Best for:

Businesses that seek a simple and widely-used payment solution that offers robust security measures and straightforward payments.

🔍 Check the PayPal fee calculator to see some PayPal fee examples.

Payoneer

Key features:

Free transactions to Payoneer accounts
Receive payments in 9 currencies
Send payment requests to customers

Pricing:

Free to open account
No monthly fees
No minimum balance requirement

Best for:

Payoneer is best for freelancers and small businesses that don't require a POS system, and are looking for a low-cost payment solution.

🔍 Compare Payoneer vs Wise and PayPal vs Payoneer to see how they weigh up.

Sources

All sources checked June 24, 2026.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.