What Revolut has shown on monitored routes
A win requires a completed, non-promotional quote at the same sending amount. Converter rates and modelled bank prices remain useful evidence, though neither is allowed to wear the winner's badge.
Where Revolut makes sense
- Best for
- Existing Revolut users, weekday exchanges within plan limits and people who hold several currencies.
- Less suitable for
- A one-screen public comparison, since the final transferable quote normally sits inside the app.
- Where the rate cost sits
- Revolut applies its own exchange rate. It says the rate reflects market conditions, the amount and its costs.
- What the fee tells you
- Standard customers have a £1,000 monthly exchange allowance before a 1% fair-usage fee. Plus has £3,000 before 0.5%. Weekend fees can also apply. International payment fees vary by route.
- Delivery
- Instant between Revolut users. Local, SEPA and international bank-payment times differ by destination and rail.
- Access
- App-led personal and business accounts with multi-currency balances, cards and local or international payments.
How Revolut's quote can flatter or disappoint
Revolut cannot be reduced to one exchange-rate margin. The answer changes with the customer's plan, the amount already exchanged in that rolling month and whether the conversion occurs during the weekend window. A Standard customer converting £200 on a weekday below the allowance can face a very different price from someone converting £2,000 after using the allowance.
This is why a live app quote matters. The international payment itself can also carry a route-specific fee even when the currency conversion appears inexpensive. Revolut's Pay All Fees option can improve certainty on some Swift routes, while ordinary intermediary charges remain outside the neat headline exchange calculation.
For an existing user, the convenience is hard to dismiss. Currency can be held before payment, transfers between Revolut users are instant and the same account handles travel spending. A new customer making one transfer should still compare the recipient amount with Wise, Xe and a route specialist before choosing a paid plan for the sake of one exchange.
Where it works well
- Very convenient for existing account holders
- Clear plan allowances and in-app confirmation
- Strong multi-currency account and card features
Where the value thins out
- Plan and weekend rules make headline pricing incomplete
- Public pages do not expose every final quote
- Intermediary fees can affect some Swift payments
The latest Revolut figures we can reproduce
Each row is the newest record for that route. The receipt shows the provider screen or calculation behind it, including the time we saw it.
Revolut remains here because UK customers will still encounter it. A rate will appear only when the amount and payment method can be recorded with a time and receipt.
What to price beside Revolut
Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.
Read the Wise rate review →Xe has the reach and support to handle far more than a routine £200 payment. Its public converter is useful, though it is not the rate a customer can necessarily book, a distinction the glossy chart leaves rather quiet.
Read the Xe rate review →Starling is unusually straight with UK customers: a 0.4% conversion charge sits beside the delivery fee. That does not always make it cheapest, but it does spare customers the usual bank-rate archaeology.
Read the Starling Bank rate review →Revolut's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- Standard plan feesRevolut UK
- Exchange fees and limitsRevolut Help