Revolut United States rates and fees
For the US Standard plan:
- Subscription: no fee.
- Exchange allowance: up to $1,000 per monthly cycle for customers whose base currency is USD.
- Fair-usage fee: 0.5% on exchange above that allowance.
- Outside FX market hours: 1% on currency exchange from 5pm Friday to 6pm Sunday Eastern Time.
- Revolut-user transfers: no transfer fee.
- US domestic wires: $10 inbound or outbound.
- Local-currency international transfers: 0.15%, with a $0.75 minimum.
- Foreign-currency international or domestic transfers: up to $6.
- Pay All Transfer Fees: $30 on eligible routes.
Revolut uses its own variable exchange rate. Fees from intermediary or recipient banks can still reduce the amount received.
In the United States, Revolut Technologies Inc. is a technology services provider and program manager. Prepaid card banking services are provided by Lead Bank, Member FDIC; see Revolut's US terms for the limits of FDIC coverage.
Revolut transfer timing and important checks
Transfers between Revolut users are generally instant. For US personal accounts, Revolut says an outbound wire usually takes one business day, ACH can take up to five business days, and outbound SWIFT transfers can take up to two business days.
Timing varies by market and route. Weekends, public holidays, recipient-bank processing, intermediary banks and compliance checks can delay a transfer. Use the estimated arrival shown in the app for the specific payment.
Before confirming:
- check the exchange rate, exchange fee and transfer fee together;
- compare the amount expected to reach the recipient;
- confirm whether intermediary-bank deductions can apply;
- verify the recipient details and currency; and
- read the legal terms for the country where the Revolut account was opened.