Revolut Business Pricing Plans

The cost of a Revolut Business account is going to vary a lot according to which package you choose, and how much activity you expect in a month anyway. Presently, the Basic plan is priced at $10 per month. This may be interesting, however, as previously Revolut had made this available free of charge. From there Grow is $40 per month, Scale is $140. On the other hand, you cannot put a sticker price on Enterprise, as this is made for larger companies with additional complex needs and is completely subject to negotiation with Revolut for a quote. It should be noted that however the monthly subscription is not the only charge that you will encounter.

Each plan has its limits, and once these are in excess of which have been used up additional charges will be incurred – example: $5 charge for international transfers where these have been in excess of your limits, and some small charges for local transfers when your monthly allowance has run out. Certainly for businesses which are engaging with regular cross border payments, then the limits referred to above in general terms can produce quite large savings as compared with a standard bank.

If you have a low or even an unpredictable cash flow, and then the excess of charges in respect of subscriptions, and in respect of transactions, can prove to be quite a considerable bite off your cash flow. Where cash flow is your priority, and cash flow is what you are concentrating on, and any overhead costs must be kept down low, then businesses and tools such as Wise Business or even traditional options of banking can prove more attractive than alternative banking channels to be had.

The main benefits of Revolut Business become apparent when you consider what modern businesses actually want from a finance platform. The multi-currency account is the main attraction. You can hold, send and receive more than 30 currencies at competitive rates, which is a significant factor if your income or expenses are spread across different countries. For example, an agency servicing clients in the US, UK and EU can keep funds in USD, GBP and EUR, without suffering continuous conversion charges.

Another strength is control. Getting physical or virtual cards into the hands of team members can be instigated in minutes, and it is possible to set spending limits, track expenses in real time and freeze cards instantly should something appear awry. This level of visibility is a massive leap ahead of waiting for end of month statements. With Revolut there is also less headache in terms of integration. By connecting Xero, QuickBooks, Slack etc. the transactions and reporting flow easily automatically, saving finance teams much day to day reconciliation.

Add in features such as fast setup, bulk payments for payroll or contractors, proactive fraud protection, and Revolut starts to appear to be more than just a digital bank account. It is not without its trade-offs, eg, there are some higher limits and advanced features for which you pay a monthly charge for Grow or Scale, at $35 and $125 respectively. But for firms which operate internationally, or want a tighter control of team purchasing, Revolut’s combination of multi-currency functionality and automations will eliminate much of the drag inherent in traditional banks.

The type of companies that get the biggest bang for their buck out of Revolut Business are those that are operating outside of domestic markets. Start-ups that are building SaaS products, digital consultancies and agencies that work remotely often use it to send and receive money in GBP, USD or EUR, which is a daily business proposition and involves pitfalls of using local banks, which are slow and expensive. An agency in New York would wish to pay contractors in Poland, who in turn bill a client in London. Any agency in this situation could maintain balances in different currencies, transfer when the rate is propitious.

They could thus avoid the hand brake of hidden conversion fees. Ecommerce brands make up another big cohort. Amazon sellers or Shopify stores that collect payments in several currencies use Revolut for the settlement of supplier invoices abroad, safely! Creative agencies and production studios use the virtual card system to keep freelancer expenses under control! They issue cards at limits with real time spend tracking. Even online educators and travel companies are adopting it to get a better handle on bookings and overseas payments. Where it is less useful is in one area of pure local companies. A baker in Chicago or a plumber in Dublin would not see any advantage as there is no market for multi currency wallets or large overseas payments.

But any company that operated already in tools like Stripe or Google Workspace or Slack would make sense of using it. Revolut Business is a seamless fit, existing comfortably in a space between a traditional bank account and a finance stack, giving the speed and flexibility that real global SMEs need, not needing to employ extra staff to manage payments.

Whether Revolut Business pricing plans give effective value depends on how your business functions and the volume of international activity through your accounts. These plans may actually be very effective for a start-up or SME with clients and contractors in various parts of the world, compared with traditional banks. The Basic package is $10 a month and gives you the essentials, but the real value lies at the $35 Grow level, where you get bulk payments, more generous free payments and such useful tools as spending analytics. That is a cost for many small teams less than what a single traditional bank might charge for just a few international wires.

The Scale package, at $125 a month, is aimed at companies with heavier volume. If you are paying global payroll or managing suppliers across continents, the higher allowances under the plan and lower per transaction costs help to keep finance predictable. This predictability is where the business finds the real ROI since it can be said that the company is not being nickeled and dimed for going over limits.

Where the value appears weakest is at the two extremes. For very small businesses, with mostly local customers, even $10 a month can appear to be unnecessary, when there are cheaper or free alternatives such as Wise Business. At the other end of the scale, Enterprise, has no set price, and it depends entirely on how much the company requires custom workflows, dedicated support and interfaces with ERP systems, to evaluate how effective the pricing is.

In short, Revolut Business makes the most sense for companies that live in various currencies or manage distributed teams. If a company does not fall within that ambit, the monthly subscription may appear to be an unwelcome additional layer rather than a real investment.

The most naturally chosen of the Revolut Business plans tends to be Grow, for small and mid-size teams. Revolut doesn’t publish a leaderboard by adoption, but Grow hits the sweet spot most businesses actually want, which is enough free transfers to not have to watch every transfer that goes, multi-currency and without friction, employee cards you can control within minutes, bulk payments for contractors and reporting that gives a little more realistic view of spend. It feels, in fact, like an actual toolkit and not just a bare basis, but without putting profitably into the greater levels of governance and customizing options that are required by larger firms.

There are quite clear exceptions. Basic is for sole operators or venture businesses who only move money occasionally. Scale makes sense once you are doing regular cross-border payments, multi-market payroll or have got a finance lead who needs granular permissions, audit trails and richer analytics. Enterprise is for multi-entity structures and more strict compliance, where SSO, SCIM provisioning, SLA and tailored limits are more important than price.

A quick sanity check helps. Look back over the last two months. If two or more people would need accounts with the business cards, which is more or less all the time, if you supply vendors or freelancers based abroad most weeks, if you feel a little lost in topography on the budgets without living in spreadsheets, you are probably in the Grow territory. If the volumes have gone already in the territory of hundreds per month of payments, or the procurement team is asking things about access policies and guaranteed response times, you are in Scale or Enterprise territory.

How you can cut costs with Revolut Business depends on two things: the way you manage your account day to day and whether you take advantage of the offers available up front. Revolut is designed to replace some of the hidden costs of traditional banking, but you still need to be proactive about how you use it. Here are the main ways to bring expenses down.

1. Use our €80 signup bonus: You can get an €80 bonus on Revolut Business through our marketplace. That means you can kickstart your account and have full access to Revolut's powerful business banking.

1. Match the plan to your real usage: A lot of businesses stick with a plan that’s too high for what they actually need. If you’re on Scale but rarely come close to the free transfer or FX limits, dropping to Grow instantly saves money. On the flip side, if you’re always paying overage fees on Basic, moving up can reduce costs even if the monthly price looks higher.

1. Consider annual billing: Paying annually instead of monthly can shave a noticeable 20% off your costs. Over a year, that discount is often the equivalent of one or two months free, which is meaningful if you’re scaling with multiple users and cards.

1. Be selective with extras: Virtual and physical cards are handy, but issuing them too liberally creates hidden costs. Keep cards tied to actual roles and projects rather than handing them out as a default. The same logic applies to add-ons; enable what you need, but review regularly so you’re not paying for dormant features.

1. Leverage the multi-currency account: Holding USD, GBP, or EUR balances directly avoids constant conversion charges, especially for ecommerce sellers or agencies billing in multiple markets. For example, a US-based Shopify store selling in the UK can keep GBP revenue in Revolut and pay UK suppliers directly, sidestepping unnecessary FX fees.

In practice, most savings come from combining the free trial with a careful look at your transaction patterns. That way you’re not just reducing the headline subscription cost, but also avoiding the hidden fees that add up when usage doesn’t align with your plan.

Extra costs or surprises with Revolut Business usually come down to how far you stretch beyond your plan’s built-in allowances. On the surface, pricing is clear, but once you start moving more money than your plan covers, the fees kick in. Here’s where businesses often notice it.

1. Transfers beyond your allowance: Each plan includes a set number of free local and international payments. Once you pass that threshold, every additional transfer carries a fee. It might look small on paper, but if you’re paying dozens of suppliers or freelancers, the costs stack up quickly. A startup sending 40 international wires a month will notice the difference between Grow’s five included transfers and Scale’s larger bundle.

1. Currency exchange over the limit: Plans come with fee-free FX up to a cap. After that, Revolut applies a percentage fee on every conversion. For ecommerce businesses juggling USD, GBP, and EUR, this becomes noticeable when large payouts hit. Keeping balances in multiple currencies can help, but it takes planning.

1. ATM withdrawals and cash use: Revolut is designed for digital payments, not cash. The included ATM withdrawal allowance is small, and once you go beyond it, the fees are steep compared to traditional banks. If you need to handle cash regularly, Revolut won’t save you money here.

1. Priority and SWIFT payments: Sending funds to suppliers in markets outside the main corridors often triggers a SWIFT or priority fee. Companies working with partners in Asia or Africa sometimes get caught by this if they assume all transfers are covered under the plan.

1. Card costs: Standard plastic cards are typically included, but premium metal cards or large bulk orders can involve production and delivery fees. These aren’t huge, but for bigger teams scaling card issuance, they can become a line item.

The reality is Revolut Business keeps most costs transparent, but the predictability only holds if you stay inside your plan’s limits. Reviewing your dashboards monthly and keeping an eye on FX and transfer usage goes a long way in avoiding nasty surprises.