What Revolut Actually Charges You
Revolut's Standard plan costs nothing until you hit its limits: €200 a month at the ATM, €1,000 a month in currency exchange, and a 1% markup the moment markets close on Friday evening. The fees are real, they just wait for you at the edges.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €0/month | The Standard plan has no monthly fee. Paid tiers (Plus, Premium, Metal, Ultra) raise or remove the free-tier limits in exchange for a subscription. |
| ATM withdrawals | 2% (min €1) | ATM withdrawals are free up to €200 or 5 withdrawals per rolling month, whichever comes first. Beyond that, Revolut charges 2% of the withdrawal with a €1 minimum. |
| Foreign exchange | 1% weekend markup | Currency exchange outside FX market hours, from Friday 5pm to Sunday 6pm New York time, carries a 1% markup on the Standard plan. During market hours exchanges use Revolut's rate without that markup. |
| Other charges | 1% over €1,000/month | Fair usage fee on the Standard plan: once you exchange more than €1,000 in a rolling month, each additional exchange costs 1%, on top of any weekend markup. |
| Transfers | €0 SEPA | Euro transfers within SEPA are free on the Standard plan. Cross-border transfers outside SEPA carry variable fees that Revolut shows in the app before you confirm. |
Questions people actually ask
The Standard plan has no monthly fee, but charges kick in at the limits: 2% on ATM withdrawals beyond €200 or 5 withdrawals a month, 1% on currency exchange above €1,000 a month, and a 1% markup on weekend exchanges.
Standard plan exchanges made from Friday 5pm to Sunday 6pm New York time carry a 1% markup because FX markets are closed. Premium, Metal and Ultra customers pay no weekend markup.
On the Standard plan, up to €200 or 5 withdrawals per rolling month, whichever you reach first. After that each withdrawal costs 2% with a €1 minimum, and the ATM owner may add its own charge.
Euro transfers within SEPA are free on the Standard plan. Transfers outside SEPA or in other currencies have variable fees that the app shows before you send.
Within FX market hours, Standard customers exchange free up to €1,000 per rolling month. Above that, a 1% fair usage fee applies to each additional exchange.
Sources
Every number above comes from the bank's own documents.
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