Revolut advertises fee-free currency exchange, and inside its limits that is largely true. The cost shows up when you exchange more than your plan allows, or when you exchange over a weekend.
This page covers the fee rules for US customers on Revolut's Standard, Premium and Metal plans, worked examples using those rules, and where Revolut fits next to providers we track live. Every Revolut figure below comes from Revolut's own US fee pages, read on 30 September 2026. Fee schedules change, so confirm the current terms in the app before a large transfer.
Revolut applies its own market rate, based on foreign-exchange market rates, to an exchange. Two fees can sit on top of it.
The first is a fair usage fee. A Standard plan customer with a US dollar base can exchange up to $1,000 a month with no exchange fee. Above that, Revolut charges 0.5% on the additional amount. The $1,000 counts every currency exchange in the monthly cycle, not each transfer on its own.
The second is an out-of-market-hours fee. Foreign-exchange market hours are every hour except 5:00pm Friday to 6:00pm Sunday, Eastern Time. During that window, Revolut charges Standard customers 1% on exchanges because less currency is traded.
| Plan | Monthly price | Exchange fee outside market hours | Monthly exchange allowance |
|---|---|---|---|
| Standard | Free | 1% | $1,000, then 0.5% on the excess |
| Premium | $9.99 | None since 22 April 2025 | $10,000 per 30 days, then 0.5% on the excess |
| Metal | $16.99 | None since 22 April 2025 | See Revolut's Metal fee schedule |
A Standard customer who exchanges $1,000 on a Saturday pays a 1% fee, which is $10. Premium and Metal customers are not charged that fee. If you only send occasionally and can wait until Monday morning, the weekend fee costs you nothing.
These use only the rules above. They cover Revolut's own exchange fees, not what a receiving bank may charge, and not any margin already built into the rate Revolut gives you.
$500 exchanged on a weekday, first exchange of the month: it is inside the $1,000 allowance and outside the weekend window, so Revolut charges no exchange fee.
$500 exchanged on a Saturday: the 1% out-of-hours fee applies, which is $5.
$2,000 exchanged in one weekday, starting a fresh month: the first $1,000 is inside the allowance and the extra $1,000 pays 0.5%, which is $5. If the same $2,000 is exchanged over a weekend, the 1% out-of-hours fee adds $20 on top. Revolut's schedule lists both fee types as ones that may apply, so plan for the two to stack.
$1,000 — Monthly exchange allowance on the US Standard plan before a 0.5% fair usage fee starts (Revolut US Personal Fees (Standard Plan), read September 2026)
A fee schedule only tells you part of the cost. What matters is how much your recipient ends up with, because the exchange rate a provider gives you is where a margin can sit even when the stated fee is zero.
Revolut is not one of the providers in our live data, so it does not appear in the table below. Use the recipient amount in Revolut's own app quote and compare it with these live numbers for the same send amount and corridor.
Premium costs $9.99 a month and changes two things: the exchange allowance rises from $1,000 to $10,000 per 30 days, and the out-of-hours fee no longer applies.
The break-even is simple arithmetic. If you regularly exchange money on weekends, Standard costs 1% of that amount, so you would need roughly $1,000 of weekend exchanges a month before Premium's $9.99 pays for itself. If you stay on weekdays but often exchange more than $1,000 a month, each extra $1,000 above the allowance costs 0.5% on Standard, so you would need roughly $2,000 above the allowance before Premium wins.
Most people who send money home a few times a month, on weekdays and under $1,000, do not need Premium for exchange fees. Its case is strongest for heavy or weekend senders.
$9.99 — Revolut Premium monthly price in the US, with a $10,000 exchange allowance per 30 days (Revolut US Personal Fees (Premium Plan), read September 2026)
Some costs never appear on a Revolut fee page. A receiving bank can charge an incoming international wire fee. Intermediary banks on a wire route can each take a small amount before the money arrives. If the recipient's account is in a different currency from the one you sent, their bank may convert it at its own rate.
None of these are Revolut charges, but they reduce what arrives, so ask the recipient's bank before sending a large amount.
In the US, Revolut Technologies Inc. is not a bank. Revolut's prepaid card accounts are provided through Lead Bank, Member FDIC, under a cardholder agreement. How deposit insurance applies depends on that agreement, so read Revolut's current disclosures before leaving a large balance in the app.
For a direct comparison with stablecoin transfers, including corridor examples, see our separate guide to Revolut versus crypto rails. It covers where each option wins and how the fees compare.
Enter your countries and amount to see what your recipient would receive from the providers we track, updated from live quotes.
For currency exchange, US Standard customers pay no exchange fee up to $1,000 a month during market hours. Above that they pay a 0.5% fair usage fee on the excess, and during the weekend window (5pm Friday to 6pm Sunday Eastern) they pay 1%. Transfer fees for sending money abroad can vary by destination and currency, so check the quote in the app.
Revolut charges Standard customers a 1% exchange fee outside foreign-exchange market hours, which it says reflects lower trading volume. Since 22 April 2025 Premium and Metal customers are not charged this fee.
On the US Standard plan, customers whose base currency is USD can exchange up to $1,000 a month before a 0.5% fair usage fee applies to the extra amount. On Premium the allowance is $10,000 per 30 days. Check Revolut's fee schedule for Metal.
It depends on the amount, the day and your plan. Revolut can charge no exchange fee inside its allowance on weekdays, while Wise charges a small fee on each transfer. Compare the amount your recipient actually receives, not the stated fee, and use the live table above for providers we track.
It pays off mainly for people who exchange on weekends or exchange well above $1,000 a month. Roughly $1,000 of weekend exchanges, or about $2,000 above the Standard allowance, is where its $9.99 monthly price is recovered.
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