Revolut Business Account Review: Fees, Eligibility & Alternatives [2026]

Revolut Business built its reputation on being the account that does everything: 25+ currencies, physical and virtual cards, crypto, FX forwards, and accounting integrations, all inside one app. Revolut's Trustpilot profile, which covers all its products, rates it 4.7 out of 5 across more than 450,000 reviews. In 2026, Revolut also finished the transition its critics had been waiting on for years, becoming a fully licensed UK bank, with new business accounts opened directly as FSCS-eligible deposits with Revolut Bank UK Ltd rather than as e-money accounts with safeguarding.

The catch is that "GBP 10 a month" undersells how quickly the account gets more expensive. There is no free tier on any plan, and Basic's GBP 1,000 monthly FX allowance is small enough that a business with regular international payments can burn through it in the first week of the month, after which every pound past it costs 0.6%, with an extra 1% on any exchange made outside FX market hours. Want a dedicated account manager to sort out an edge case quickly? That is an Enterprise-only feature, and Enterprise is custom-priced. Phone support is not available on any plan.

This review covers what a Revolut Business account actually costs once you go past your plan's FX allowance, which plan tier makes sense at your FX volume, and where else to look if the fees or the lack of human support turn out to be a dealbreaker.

At a Glance

Revolut Business rewards companies that outgrow the Basic plan's FX cap fast enough to make Grow or Scale worth the higher monthly fee, but none of the fixed-price plans includes a dedicated account manager, which only comes with custom-priced Enterprise.

Who Revolut Business Is Right For

Good fit

• Companies registered in the UK, an EEA country, or the US that want one account for spending, multi-currency FX, cards, and integrations.
• Teams that need per-employee card controls: spending limits, categories, and instant virtual cards for suppliers and subscriptions.
• Businesses doing enough international volume that Grow or Scale's higher monthly fee pays for itself once Basic's FX allowance runs out.

Not a good fit

• Founders who want a completely fee-free account. Every UK Revolut Business plan carries a monthly fee, with no free tier.
• Businesses converting GBP 30,000 or more a month in FX. Once the monthly allowance is gone, overage fees add up quickly, and providers with volume-based FX pricing may work out cheaper.
• Businesses that expect to reach a human by phone, or that want a dedicated account manager without paying for a custom Enterprise plan. Below Enterprise, live support is through 24/7 in-app chat, with email as the only other channel.
• Companies incorporated in Hong Kong or the BVI. Revolut Business does not accept companies from these jurisdictions, regardless of the applicant's residency. Singapore-incorporated companies can apply, but through Revolut's Singapore offering, which has different pricing and features from the UK plans reviewed here.

Opening a Revolut Business Account

Who Can Apply

Your company needs to clear two separate checks: where it is registered, and where the applicant lives.

Company registration. For the UK version reviewed here, the company must be a fully incorporated and active private limited company, public limited company, limited liability partnership, limited partnership, or general partnership, registered in the UK, the EEA, or the US. Revolut runs separate Business offerings, with their own pricing, for companies registered in Switzerland, Australia, and Singapore. Certain industries are excluded, including adult content businesses, fine art dealers, and video game arcades.

Applicant residency. For UK- or EEA-registered companies, the person applying can live in the UK, the EEA, the US, Australia, Singapore, or India, plus a short list of supported territories such as Gibraltar, Guernsey, the Isle of Man, Jersey, the Aland Islands, the Azores, Madeira, or Mayotte. For US-registered companies, the eligible residency list is longer and includes the US, UK, Australia, Brazil, Canada, India, Israel, Japan, Mexico, New Zealand, Singapore, Switzerland, the UAE, and the EEA excluding Bulgaria, plus supported territories.

Note that residency eligibility does not automatically extend to company registration. A company incorporated in India, for example, is not eligible even though Indian residents can apply for UK or EEA companies.

Required Documents

How to Apply

The application runs entirely online. Applicants fill in personal details, then company incorporation details (registered name, incorporation number, trading name), then upload the documents above and a description of what the company does and where it operates. Someone applying on behalf of the business who is not a director or shareholder needs to provide proof of authorisation as well. Revolut publishes its full residency eligibility criteria, which are worth checking before starting an application if your situation is not a straightforward single-country case. For a walkthrough of the sign-up screens themselves, our step-by-step guide to opening a Revolut Business account covers each stage in more detail.

Revolut aims to review applications within 24 hours of submission, though complex applications can take longer. Once approved, accounts are typically active within a few business days. Anyone who already holds a Revolut personal account can skip re-entering personal details and top up the new business account instantly from their personal card.

Revolut Business Fees

Revolut Business runs four plans in the UK: Basic, Grow, Scale, and Enterprise. There is no free tier on any of them, and every figure below is drawn from Revolut's own UK Business Account Pricing page.

Monthly Plans and Allowances

Grow and Scale are both cheaper if paid annually upfront, a saving of up to 14% on Grow and up to 28% on Scale versus paying month to month.

Enterprise is custom-priced and is the only tier that includes a dedicated account manager.

The Basic plan's GBP 1,000 FX allowance is the one number worth sitting with before signing up. A company converting even GBP 5,000 a month into other currencies clears that allowance in the first week, then pays 0.6% on every pound past it, plus a further 1% on any exchange made outside FX market hours. Grow's GBP 15,000 allowance suits many SMEs with moderate import or export activity, and it is also the plan where bulk payments unlock, which matters for anyone running payroll or paying several suppliers in one batch.

Transaction and Card Fees

The 2% ATM fee is the same across all four plans. A Scale subscriber pays the same withdrawal fee as a Basic one, so cash-heavy businesses do not get a better deal by upgrading.

Worked example: GBP 20,000 in monthly international payments. Here is what a business converting GBP 20,000 a month into supplier currencies would pay on each plan:

• Basic: about GBP 129 (GBP 10 plan fee, GBP 114 FX overage on the GBP 19,000 past its allowance, and a GBP 5 transfer fee).
• Grow: about GBP 65 (GBP 35 plan fee and GBP 30 overage on the GBP 5,000 past its allowance, with the transfer free).
• Scale: GBP 125 flat, since the full GBP 20,000 sits inside its GBP 60,000 allowance.

At this volume, Basic is almost never the right choice. On monthly billing, Grow stays cheaper than Scale until FX volume passes about GBP 30,000 a month. With annual billing (GBP 30 for Grow, GBP 90 for Scale), that break-even drops to about GBP 25,000.

These figures assume all exchanges happen during FX market hours. Any made outside them carry an extra 1%.

Revolut Business Support & Reviews

Revolut holds an Excellent rating on Trustpilot, 4.7 out of 5 from more than 450,000 reviews, though that profile covers all Revolut products rather than Revolut Business alone. Positive reviews point to the app's interface, real-time spend notifications, and how easy it is to manage multiple currencies without friction.

The recurring complaints are narrower: some users flag pricing changes around weekend currency exchanges catching them off guard, others describe slower resolution on identity verification checks or merchant disputes, and a few mention cash withdrawal limits in specific countries. None of this looks unusual for a fintech operating at Revolut's scale, but it is worth knowing that the account manager who could resolve an edge case quickly is an Enterprise-only feature.

Revolut Business vs Statrys & Alternatives

For UK, EEA, or US founders who clear the eligibility bar, other accounts worth comparing include Wise Business and Airwallex, both of which also offer multi-currency accounts without Revolut's tiered monthly fee structure. Our full Revolut Business alternatives roundup goes deeper on how these compare against each other.

If your company is registered in Hong Kong or the BVI, Revolut Business is not an option regardless of how well it fits everything else you need, and Statrys is built specifically for that gap. Singapore-registered companies do have a choice between the two, so the comparison below sets them side by side.

Revolut Business vs Statrys for Singapore Companies

Unlike in the UK, Revolut is not a bank in Singapore. Like Statrys, it is licensed by MAS as a Major Payment Institution, so customer funds are safeguarded, not covered by deposit insurance.

For a Singapore company, the choice comes down to support and FX volume rather than monthly price. Revolut's Basic plan costs nothing a month and covers more currencies, which suits a small company making occasional conversions. Once conversions regularly run past the plan's allowance, though, every dollar above it costs 0.6%, and a dedicated account manager only comes with Enterprise, from SGD 417 a month billed annually. Statrys includes a dedicated account manager on every account, with FX from 0.1%, and can also handle incorporation and bookkeeping for founders setting up in Singapore for the first time.

Statrys offers a multi-currency account supporting 11 major currencies for companies registered in Hong Kong, Singapore, or the BVI. Over 10,000 businesses hold a Statrys account, and 96% of clients were able to open their business accounts within 3 business days. For founders setting up in Hong Kong or Singapore for the first time, company registration, the business account, and bookkeeping can all be handled in one place.

See how Statrys works for Hong Kong businesses or how Statrys works for Singapore businesses.