This guide is part of the Revolut hub, covering Revolut’s account features, limits, fees, and how it compares to other UK digital banks.
Revolut’s Standard plan has no monthly fee, but several charges apply for specific services. The most important to know: a 2% ATM fee above £200/month, a 0.5% weekend FX surcharge on all plans, and SWIFT transfer fees for international payments.
Most everyday UK card spending — supermarkets, restaurants, online purchases in sterling — is genuinely free on all plans.
Complete Revolut Fee Table (Standard Plan)
| Service | Fee |
|---|---|
| Monthly account fee | £0 |
| UK card spending | £0 |
| UK Faster Payment (within free allowance) | £0 |
| UK Faster Payment (above free allowance) | Small fee per transfer |
| Currency exchange (weekdays, within £1,000/month) | £0 |
| Currency exchange (weekends, all amounts) | 0.5% |
| Currency exchange (weekdays, above £1,000/month) | 0.5% |
| ATM withdrawals (first £200/month) | £0 |
| ATM withdrawals (above £200/month) | 2% |
| SWIFT international transfer | From ~£5 (destination-dependent) |
| SEPA transfer (EU) | £0 or small fee |
| Card replacement (standard delivery) | £0 |
| Card replacement (express delivery) | £5–£50 depending on plan |
| Receiving international transfers | £0 |
Always verify the current fee schedule in the Revolut app under Profile → Plan, as rates can change.
The Weekend FX Surcharge — The Fee Most Users Miss
Revolut’s most commonly complained-about fee is the 0.5% weekend surcharge on currency exchange. When currency markets close on Friday evening and reopen Monday morning, Revolut adds 0.5% to cover exchange rate risk during this window.
This affects:
- Spending in a foreign currency on Saturday or Sunday
- Sending international transfers at weekends
- Manual currency exchanges in the Revolut app at weekends
The surcharge applies on all Revolut plans — including Premium and Metal. It is not waived on paid tiers.
Worked example: Spending €500 in France on a Saturday. At an interbank rate of 1.18 EUR/GBP, this costs approximately £424 + 0.5% weekend surcharge = £426.12. The same spend on a Tuesday costs £423.73 — a £2.39 difference. For typical holiday spending the impact is minor. For a large currency exchange — say, exchanging £5,000 into euros — doing it on a weekday saves £25.
ATM Fee — 2% Above £200/Month
The Standard plan’s free ATM allowance is £200 per calendar month across all ATM withdrawals worldwide. Above this limit, a 2% fee applies.
Worked example: You have withdrawn £180 this month and want to take out another £150.
- The first £20 of the withdrawal uses your remaining free allowance
- The remaining £130 is subject to the 2% fee
- Fee = 2% × £130 = £2.60 — a total withdrawal cost of £2.60
The free allowance resets on the 1st of each calendar month. The Revolut ATM limit guide covers the full daily and monthly withdrawal caps across all plans.
UK Transfer Fees
Standard plan customers have a limited number of free local UK bank transfers per month. Above this limit, Revolut charges a small fee per transfer. The exact monthly free allowance is shown in the app under Profile → Plan.
Premium and above plans include unlimited free UK transfers. If you send frequent transfers — for example, splitting bills with housemates or paying suppliers — this is one of the more practical reasons to upgrade.
The Revolut transfer limit guide covers the per-transaction and monthly sending limits in full.
International Transfer Fees
Revolut’s SWIFT transfer fees vary by destination currency and amount. For large SWIFT transfers, always check the fee quoted in the app before confirming — and compare with Wise, which often has lower and more transparent fees for large international amounts.
| Transfer Type | Standard | Premium | Metal |
|---|---|---|---|
| SEPA (EU) | £0–small fee | £0 | £0 |
| SWIFT | From ~£5 | Lower | Lowest |
| Local transfers (non-SWIFT) | Limited free/month | More free | Most free |
For a direct comparison of Revolut and Wise on international transfer costs, see the Revolut vs Wise guide.
Plan Comparison — Fee Impact by Tier
The question of whether to upgrade is essentially a break-even calculation based on how often you hit the Standard plan’s fee-triggering thresholds.
| Plan | Monthly Fee | Annual Cost | Key Fee Benefit |
|---|---|---|---|
| Standard | £0 | £0 | 2% ATM fee above £200/mo; 0.5% weekend FX |
| Plus (£3.99) | £3.99 | £47.88 | Extra virtual cards, priority support |
| Premium (£9.99) | £9.99 | £119.88 | No ATM fee (higher limit); travel insurance included |
| Metal (£15.99) | £15.99 | £191.88 | Cashback on card spending; highest ATM limits |
| Ultra (£45) | £45 | £540 | Airport lounge access; concierge |
Premium break-even example: Standard plan customers pay 2% above £200/month on ATMs. If you withdraw £400/month on holiday (across a 3-month year), you pay 2% × £200 × 3 = £12/year in ATM fees. Add the value of travel insurance (standalone policies typically cost £50–£80/year for a couple) and Premium’s £120/year cost can break even for regular travellers.
Note: the 0.5% weekend FX surcharge is not waived on Premium or Metal. It applies across all plans.
Revolut vs Monzo vs Starling vs Chase — Fee Comparison
| Fee Type | Revolut Standard | Monzo Free | Starling | Chase UK |
|---|---|---|---|---|
| Monthly fee | £0 | £0 | £0 | £0 |
| UK card spending | £0 | £0 | £0 | £0 |
| Foreign spending (weekdays) | Free | Free | Free | Free |
| Foreign spending (weekends) | +0.5% | £0 | £0 | £0 |
| UK ATM | 2% above £200/mo | 3% after 1 free | Free (fair use) | Free up to £500/day |
| Foreign ATM | 2% above £200/mo | 3% above £200/mo | Free (fair use) | 1.5% above £500/mo |
Starling has the simplest and most consumer-friendly fee structure for UK and overseas use. Revolut Standard is the most competitive for international transfers and weekday currency exchange. Chase UK offers strong ATM access domestically. For a full account comparison including features beyond fees, see the Revolut UK review.
Summary
- Standard plan is free monthly, but charges 2% on ATM withdrawals above £200/month and 0.5% at weekends on all currency exchange
- Weekend FX surcharge applies on all plans — including paid tiers — and is the fee most users overlook
- SWIFT international transfers carry fees from around £5 on Standard; check the app before sending
- Premium makes financial sense for regular travellers who value the ATM allowance and included travel insurance
- Starling and Chase have simpler fee structures for everyday UK and travel use without weekend surcharges