Revolut Review 2026: Free Transfers, but Read the Fine Print

Revolut offers free international transfers within monthly plan limits on weekdays. The catch: weekend markup of 1-1.5%, monthly caps on the free plan, and limited coverage outside European corridors.

Verdict: Best for European users within plan limits

RemitRoutes Score: 84/100 — our computed editorial rating (cost 88, transparency 100, speed 95, coverage 95, crypto rails 0, each out of 100). How we score.

Fees

Revolut's Standard plan includes free transfers up to a monthly limit (currently around $1,000 equivalent) at the mid-market rate on weekdays. Above the limit, a markup of 0.5-1.5% applies. Premium ($9.99/month) and Metal ($16.99/month) plans offer higher or unlimited free transfer limits.

FX markup

Within your plan's free limit on weekdays, Revolut uses the mid-market rate with 0% markup — matching Wise's transparency. On weekends, a 1-1.5% markup applies because FX markets are closed and Revolut hedges against Monday's rate movement. Above your monthly limit, the same markup applies regardless of day.

Pros

• Free transfers within plan limits on weekdays (mid-market rate)
• Excellent for EUR/GBP corridors within Europe
• Instant transfers between Revolut users
• Multi-currency wallet and virtual cards

Cons

• Monthly free limit too restrictive on Standard plan
• Weekend markup of 1-1.5% catches many users off-guard
• Premium subscription required for meaningful transfer volumes
• Limited for USD-originating or emerging market corridors

Best for

• European users sending within the Eurozone on weekdays
• Frequent small transfers within plan limits
• Users already in the Revolut ecosystem

Not great for

• USD-originating transfers to emerging markets
• Transfers above the monthly free limit
• Weekend transfers (1-1.5% markup applies)

Frequently asked questions

Is Revolut really free for international transfers?

Conditionally. The Standard plan includes free weekday transfers up to roughly $1,000/month at the mid-market rate. Above that limit, or on weekends, a 0.5-1.5% markup applies. Premium plans raise or eliminate the cap. "Free" has asterisks.

Why does Revolut charge more on weekends?

FX markets are closed on weekends, so Revolut cannot get real-time exchange rates. They add a 1-1.5% markup to protect against rate movements when markets reopen Monday. Wise charges its normal fee regardless of day, making it a better option for weekend transfers.

How does Revolut compare to Wise?

Within Revolut's free limits on weekdays, it is cheaper than Wise (0% vs 0.33-2.5%). Above the limit or on weekends, Wise is typically cheaper because its fee is consistent and its FX markup is always 0%. For European corridors within limits, Revolut wins. For everything else, Wise or digital asset rails are usually better.

Is Revolut good for sending to India or the Philippines?

Revolut is primarily optimized for European corridors. For USD to INR or USD to PHP, Wise is typically more competitive, and digital asset rails (USDC on Stellar or Tron) are significantly cheaper. RemitRoutes compares all options for your specific corridor.

Do I need Revolut Premium for international transfers?

Not for small, infrequent weekday transfers. But if you send more than $1,000/month or transfer on weekends, the Standard plan's limits and markups make Premium ($9.99/month) or Metal ($16.99/month) worth considering. Alternatively, Wise charges 0.33-2.5% with no subscription.

Compare live rates across 370+ corridors on RemitRoutes · methodology.