Revolut Business Review 2026: Multi-Currency Accounts & Corporate Cards for Global B2B Teams
What is Revolut Business?
Revolut Business is a multi-currency financial platform built for international startups, B2B agencies, and SaaS companies operating across Europe, the UK, the US, and APAC. It allows companies to hold, receive, and exchange 25+ currencies at the interbank exchange rate (up to plan limits), issue unlimited virtual corporate debit cards for software subscriptions and ad spend, and automate international contractor payouts via batch uploads or API. Plans start at €10/month (Basic) and €30/month (Grow).
Eligible new business customers signing up through our Revolut Business referral link can participate in Revolut's €150 Business Referral Promotion upon completing onboarding, ordering a physical card, funding the account from an external bank, and meeting the campaign card spend threshold before the promotional deadline.
Why do B2B agencies and SaaS companies run Revolut Business?
Modern GTM and software teams rarely operate in a single currency. Even a German or Spanish agency billing clients in EUR typically pays 70% of its software stack—Clay, HeyReach, Instantly, Apollo, Make, OpenAI, Anthropic, and cloud hosting—in US Dollars (USD).
Traditional European banks charge 1.5% to 2.5% in foreign exchange markups and non-EUR card fees on every single USD subscription. On $5,000/month in software and ad spend, that is €1,200+ per year lost to hidden bank spreads.
Revolut Business eliminates this leakage through three core capabilities:
- Interbank FX Allowances: On Grow, Scale, and Enterprise plans, you can convert EUR or GBP into USD at the real interbank rate (during weekday FX market hours) up to your monthly plan allowance (€15,000/mo on Grow, €60,000/mo on Scale), then pay USD software invoices directly from your USD balance with zero card FX fees.
- Granular Virtual Cards per Vendor: Issue dedicated virtual Mastercards or Visas for individual SaaS tools, ad accounts (Meta, Google, LinkedIn Ads), or contractors. Set hard monthly spend caps, auto-lock cards if a tool tries to bill after cancellation, and assign cards to specific team members.
- Multi-Currency Client Invoicing: Provide UK clients with local GBP sort-code/account details, European clients with IBAN details, and international clients with SWIFT/USD routing so you never lose 3% on incoming wire conversions.
How much does Revolut Business cost in 2026?
Revolut Business offers four main tiers in the EEA and UK:
| Tier | Monthly Fee | FX at Interbank Rate | Free Local Transfers | Free International Transfers | Best For |
|---|---|---|---|---|---|
| Basic | €10 / month | €1,000 / month | 10 / month | 0 (charged per transfer) | Early-stage companies needing virtual cards & light multi-currency |
| Grow | €30–€35 / month | €15,000 / month | 100 / month | 5 / month | B2B agencies & startups with $2k–$15k/mo in USD software or contractor spend |
| Scale | €90–€125 / month | €60,000 / month | 1,000 / month | 25 / month | Scaling SaaS & e-commerce firms managing heavy FX and multi-team budgets |
| Enterprise | Custom | Custom | Custom | Custom | Multi-entity groups needing custom spend governance & dedicated account management |
Note: Revolut applies a 1% weekend markup on currency conversions executed outside FX market hours (Friday 17:00 EST to Sunday 18:00 EST). Always convert EUR to USD on weekdays.
How to qualify for the Revolut Business referral promotion
When registering via the Revolut Business referral signup link, new businesses must complete Revolut's verification steps within the active campaign window:
- Register a net-new Revolut Business account in an eligible EEA/UK market using the referral link and pass KYB onboarding checks.
- Top up the account from an external bank account (not an existing Revolut account).
- Order a physical Revolut Business card in the dashboard.
- Complete the minimum qualifying card spend on genuine business goods or services within the campaign deadline (current invitation campaigns run on a capped 10-referral allocation through mid-November 2026; verify exact reward terms shown on your signup screen).
Revolut Business vs Qonto vs Wise Business
| Feature | Revolut Business | Qonto | Wise Business |
|---|---|---|---|
| Best Use Case | USD/GBP/EUR FX & virtual card management | Domestic DE/FR/ES/IT operating account & DATEV tax sync | No-monthly-fee international contractor transfers |
| Monthly Entry Price | €10/mo (Basic) | €30/mo (Grow) | €9/mo (Basic) | €19/mo (Smart) | €0/mo (€50 one-time setup) |
| German GmbH/UG Formation | Requires already-registered entity (HRB) | Supports GmbH / UG in Gründung capital deposit | Requires registered company |
| Referral / Signup Link | Revolut Business Referral Link | Qonto Review (Up to €280 Bonus) | Wise Business Review |
What are the limitations of Revolut Business?
- Not for "In Gründung" Capital Deposits in Germany: Unlike Qonto, Revolut Business generally requires your company to be fully registered in the commercial register (Handelsregister) before onboarding. Incorporate and deposit your initial share capital with Qonto or a local bank first, then add Revolut Business as your multi-currency & card account.
- Automated Compliance Freezes: Because Revolut operates under strict AML/KYB monitoring across dozens of jurisdictions, sudden spikes in payment volume or unusual cross-border transfers can trigger automated source-of-funds document requests. Keep clean invoices ready and never rely on a single fintech account as your sole liquidity point.
- Weekend FX Markup: Converting currencies on Saturday or Sunday incurs a 1% fee even if you are within your plan's free FX allowance.
FAQ
Is Revolut Business a licensed bank in Europe?
In the EEA, Revolut Business accounts are provided by Revolut Bank UAB, which is authorised and regulated by the Bank of Lithuania and the European Central Bank (ECB), with local branches in several EU member states including Germany, Spain, France, and Ireland. In the UK, services are provided under Revolut Ltd / Revolut Bank UK Limited.
Can I use Revolut Business alongside Qonto?
Yes—this is our highest-recommended banking stack for European agencies and SaaS founders. Run Qonto for EUR client billing, payroll, tax reserves, and DATEV export, and fund Revolut Business monthly to handle all USD/GBP software cards and international contractor payouts.
Does Revolut Business work for UK Ltd companies formed via 1st Formations?
Yes, provided the directors and beneficial owners meet Revolut's residency and KYB requirements in an eligible market. See our 1st Formations review for details on UK non-resident banking realities.
Miguel Santos leads software evaluations and founder operations research at Quota Engine. With 8+ years of hands-on experience auditing B2B sales stacks, CRM architectures, European business banking, and cross-border company setups across DACH and US markets, he tests tools against real operator workflows and verified vendor pricing.