Assessment
Currency handling is the point on which Revolut Business differs most in the US. Accounts handle sending and receiving across 25+ currencies, spending on cards covers 150+ currencies, and every plan includes a monthly exchange amount at the interbank rate, from $1,000 on Basic up to $80,000 on Scale, with 0.6% applied above that and 1% outside market hours. Fee schedules in the US for Basic, Grow and Scale are published completely, and Grow also includes custom approvals, bills, APIs and purchase orders.
The US account is more limited than the others in the group. This prepaid card account, issued by Lead Bank with Revolut Technologies Inc. in the program manager role, pays no interest and limits FDIC cover to $250,000 when the insurance requirements are met. On every plan, a domestic wire in either direction costs $10, FedNow can only receive funds, and checks are not accepted for deposit. FDIC, Federal Reserve and final OCC approvals are still required before Revolut can open the proposed US bank, and Revolut plans that step for 2027.
Scenarios
| Scenario | Suitability | Why |
|---|---|---|
| Converting and holding several currencies | Well suited | 25+ currencies, and on Scale interbank exchange of up to $80,000 a month. |
| Contractor and supplier payments abroad | Well suited | From Grow, bulk transfers go to as many as 1,000 recipients, and further international transfers cost $5. |
| Primary US operating account | Partly suited | Scale includes 1,000 local transfers each month, though a domestic wire costs $10 each and check deposit is unavailable. |
| Yield earned on idle cash | Not suited | Interest is not paid on the account, and FDIC cover is capped at $250,000. |
Built for
US firms holding and converting several currencies or paying contractors abroad, and wanting both cards and approvals for spend in one app.
Less suited to
Companies seeking interest on idle cash or FDIC coverage above $250,000, and firms sending or receiving large numbers of domestic wires.
Who should consider it
Likely to suit
- Companies earning or spending across several currencies
- Teams that pay contractors or suppliers in foreign countries
- Businesses seeking spend approvals and bill pay from a mid-priced plan
Unlikely to suit
- Companies seeking interest or yield from idle cash
- Firms that keep well over $250,000 and need broader FDIC coverage
- Businesses making deposits by check or cash
Rating by criterion
How the eight criteria that form the rating for Revolut Business are each scored out of 100.
Sector criteria
Accounts handle sending and receiving across 25+ currencies, and the plans include 10, 100 or 1,000 local transfers a month with no fee, counted both ways. A US domestic wire costs $10 in either direction, inbound payments are the only FedNow option, and neither checks nor cash can be loaded.
Prepaid corporate cards on Visa or Mastercard spend in 150+ currencies, and every plan includes card controls and an expense tool. Bills, custom approvals and purchase orders begin with Grow, a credit line is not part of the account, and cashback is available only through promotions.
US plans do not list any yield product, and the cardholder agreement states that no interest is paid on the account. FDIC insurance can reach $250,000 at Lead Bank or at banks Lead selects, if the card is registered and requirements for deposit insurance are met.
Integrations for accounting, HR and other business apps come with every US plan, and from Grow upward the Bills feature imports bills from accounting software. Business APIs are available starting on Grow, and the US plans page does not give the names of the accounting systems it supports.
Vendor criteria
Exchange, accounts, expenses, prepaid cards, bills, analytics, purchase orders and APIs are housed in one app. On September 3, 2026, Revolut announced conditional OCC approval relating to a US national bank, and FDIC, Federal Reserve and final OCC approvals remain pending.
Support-team chat runs 24/7 on every plan, and a toll-free phone number is listed in the cardholder agreement. An account manager is included only on Enterprise.
The US fee schedules for Basic, Grow and Scale set out subscriptions, allowances, overage charges, and fees for wires and exchange. Annual billing on the plans page comes to $40 a month for Grow and $140 a month for Scale, versus $50 and $180 on monthly billing, and Enterprise pricing is custom.
There is no fee to cancel or downgrade a plan, but fees already paid for the subscription are not refunded and payment is required on every plan. At any time the issuer may cancel the account, risk scoring can place a cap on balances, and disputes are handled through binding arbitration.
Against its peers
How Revolut Business compares with other companies we rate in Business banking & treasury.
Fact file
| US provider | The prepaid business cards are issued by Lead Bank, Member FDIC; Revolut Technologies Inc. acts as program manager Source |
|---|---|
| US plans | Basic is $10 a month; Grow is $50 each month or $480 a year; Scale is $180 each month or $1,680 a year; Enterprise is custom Source |
| Exchange | The interbank rate covers up to $1,000, $20,000 or $80,000 a month depending on plan, after which 0.6% applies; 1% outside market hours Source |
| Deposit coverage | FDIC insurance of up to $250,000 once requirements for deposit insurance are met and the card is registered Source |
| US bank charter | Conditional OCC approval for a proposed national bank, announced on September 3, 2026; FDIC, Federal Reserve and final OCC approvals are pending Source |
Source pages
- Revolut Business US plans: https://www.revolut.com/en-US/business/business-account-plans/ (As of September 24, 2026)
- Revolut US business fees and disclosures: https://www.revolut.com/en-US/legal/business-fees/ (As of September 24, 2026)
- Revolut US Basic plan fees: https://www.revolut.com/en-US/legal/business-basic-fees/ (As of September 24, 2026)
- Revolut US Grow plan fees: https://www.revolut.com/en-US/legal/business-grow-fees/ (As of September 24, 2026)
- Revolut US Scale plan fees: https://www.revolut.com/en-US/legal/business-scale-fees/ (As of September 24, 2026)
- Revolut US Custom plan fees: https://www.revolut.com/en-US/legal/customfees/ (As of September 24, 2026)
- Revolut Business Cardholder Agreement page: https://www.revolut.com/en-US/legal/business-cardholder-agreement/ (As of September 24, 2026)
- Revolut Business Prepaid Cardholder Agreement, effective July 1, 2026: https://assets.revolut.com/legal/terms/%5BFINAL%202026.4%5D%20Revolut%20Business%20Prepaid%20Cardholder%20Agreement.pdf (As of September 24, 2026)
- Revolut US business help: how money is protected: https://help.revolut.com/en-US/business/help/more/security-and-personal-data/is-my-money-protected/ (As of September 24, 2026)
- Revolut files US bank charter application: https://www.revolut.com/en-US/news/revolut_files_u_s_bank_charter_application_names_new_u_s_ceo/ (As of September 24, 2026)
- Revolut conditional OCC approval: https://www.revolut.com/en-US/news/revolut_receives_conditional_approval_from_u_s_office_of_the_comptroller_of_the_currency_to_form_a_national_bank/ (As of September 24, 2026)
- Revolut on Wikipedia: https://en.wikipedia.org/wiki/Revolut (As of September 24, 2026)
How this rating was made
This profile gives our own assessment of Revolut Business to companies selecting a Business banking & treasury provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Revolut Business gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, and filings. This profile had no lab tests, and no accounts were opened. Fact-checking took place on September 24, 2026.