Revolut Business Review 2026: Plans, FX Fees, Pros and Cons

Revolut Business sells a monthly subscription where most US business accounts sell nothing at all, and that is the whole buying question. A domestic checking account at Mercury or Relay costs nothing, so Revolut has to earn its fee on what happens when money crosses a border: the exchange rate, the international transfer and the card spent in another currency. This review prices each plan from Revolut's US plan page, read on October 18, 2026, and works out when the subscription pays for itself.

Finpresso data: Toolradar, the software directory we run, tracks 1,111 finance tools for its ranking updated October 15, 2026, and the median cheapest paid plan is $39 a month across the 299 that publish one. Revolut's entry plan sits well under that median and Scale sits far above it, so the right tier depends on your currency volume more than on your headcount. The finance ranking has the wider field.

Revolut Business is a multi-currency business account and spend platform from the fintech Revolut. In the US it is not a bank: the footer of its plan page says the business prepaid Visa and Mastercard cards are issued by Lead Bank, Member FDIC, and that Revolut Technologies Inc. is the technology provider and program manager. Revolut has a preliminary conditional approval from the OCC for a US national bank, covered in our Revolut charter news, but that bank is not open for deposits.

What you get on every plan is the ability to send and receive 25+ currencies, spending in 150+ currencies, physical and virtual corporate cards, an expenses tool at no per-person charge and unlimited team members. The plans differ in allowances, not in access: how much you can exchange at the interbank rate each month and how many transfers carry no fee.

You apply online, Revolut verifies the business, and the plan fee is charged as soon as the account is fully operational, then on the same date each month or year. Allowances reset monthly on the activation date for monthly and annual plans alike, so an unused FX allowance does not roll over.

Inside the allowance, currency exchange happens at the interbank rate during market hours. Above it, Revolut adds 0.6%, and any exchange outside market hours carries 1%, which matters for a team that pays Asian suppliers on a US weekend. International transfers beyond the plan's free count cost $5 each, local transfers beyond it $0.20, and ATM withdrawals carry 2%.

Plans can be changed at any time. A downgrade starts at the next billing cycle, an upgrade can start immediately with unused days refunded, and a new plan bought in the last 14 days and unused can be switched down for a refund.

Methodology: prices checked on October 18, 2026, in US dollars, on Revolut's US business plan page, along with its help articles on billing and plan refunds. Revolut prints each plan as a "from" price per month and bills monthly or annually. Basic includes 10 free local transfers and no free international ones; Grow 100 and 5; Scale 1,000 and 25. Monthly totals below add the plan's from price to Revolut's printed overage fees, assume exchange in market hours, and exclude card-acceptance fees.

Scenario 1, a small importer: $5,000 converted, 3 international and 20 local transfers a month. Basic costs $51 (fee, $24 of FX markup, $15 of transfer fees, $2 of local fees); Grow costs its flat fee with nothing on top. Grow is cheaper from the first month.

Scenario 2, an agency paying overseas contractors: $30,000 converted, 10 international and 150 local transfers. Basic costs $262, Grow $135 ($60 of FX markup and $35 of transfer fees) and Scale its flat fee. Grow still wins by a few dollars, and the $5 gap to Scale means a slightly busier month tips the balance to Scale.

Scenario 3, an ecommerce brand buying stock abroad: $100,000 converted, 30 international and 300 local transfers. Basic costs $812, Grow $685 and Scale $285 ($120 of FX markup on the $20,000 above its allowance and $25 for five extra transfers). At this volume Enterprise is worth a sales call.

Against the field: Mercury is $0 a month with Plus at $29.90 a month billed annually, but charges a 1% currency exchange fee on non-USD international wires, so scenario 2's $30,000 costs $300 in exchange fees there. Wise Business charges a one-time 31 USD setup fee and conversion from 0.23%, with no monthly plan. Airwallex converts major currencies at 0.5% above interbank and charges $15 to $25 per SWIFT transfer. Relay Starter is $0, Grow $30 a month and Scale $90 a month at a limited-time rate.

Revolut Business fits a US company that converts between $5,000 and $100,000 a month and pays people or suppliers abroad: importers, agencies with overseas contractors, ecommerce brands buying stock in other currencies and remote teams spending on cards in several countries. For them the plan fee is smaller than the FX markup a free account would charge, and the bills and approvals on Grow replace a separate payables tool.

Skip it if your money stays in dollars. A domestic business pays a monthly fee for allowances it never touches, and Mercury or Relay cover checking, cards and bill pay for free. Skip it too if FDIC coverage through a sweep network matters more than FX, since Revolut's US funds sit with one program bank. Our best business bank accounts ranking and the business banking fees guide compare the domestic options.