Revolut FX rates are Revolut’s own live exchange rate, set from market data, plus fees that depend on your plan, the day of the week and how much you have already exchanged that month. On the free Standard plan in the UK, weekday exchanges up to £1,000 a month carry no extra fee; above that Revolut adds 1%, and every exchange between Friday 17:00 and Sunday 18:00 New York time costs another 1%. Paid plans raise or remove those limits.
This guide explains how the rate is set, what each plan pays, when the fees kick in (including on card payments abroad), and when a paid plan pays for itself.
How Revolut sets its exchange rate
Revolut says it uses its own exchange rate for money currency exchanges, a variable rate it sets itself, and may add an exchange fee on top; it shows the rate, any fee and the total in the app before you confirm where it can (Revolut fees). The rate is a real-time figure updated continuously from buy and sell prices supplied by independent data sources (Revolut).
The one case where you cannot see the cost in advance is a card payment in a foreign currency, where the exchange happens at the moment you pay (Revolut fees). The same plan rules still apply: the exchange counts toward your monthly allowance and picks up the weekend fee if it falls in the weekend window.
Revolut FX fees by plan (UK)
| Plan | Monthly price | Weekday exchange allowance | Fee above allowance | Weekend fee |
|---|---|---|---|---|
| Standard | Free | £1,000 a month | 1% | 1% |
| Plus | £3.99 | £3,000 a month | 0.5% | 0.5% |
| Premium | £7.99 | No limit | None | None |
| Metal | £14.99 | No limit | None | None |
| Ultra | £55 | No limit | None | None |
Sources: Revolut Help, Revolut plans. Plans are also sold annually at a discount: £40 for Plus, £80 for Premium, £140 for Metal and £540 for Ultra (Revolut fees, all plans).
Three details catch people out:
- The allowance covers everything you exchange. Currency, crypto and commodities share one monthly limit. Revolut’s own example: £500 of currency, £300 of crypto and £200 of commodities uses up the whole £1,000 on Standard (Revolut fees).
- It resets on a rolling month, not on the 1st. You can see your usage and reset date under Your plan or Your limits in the app (Revolut Help).
- Weekend fees stack. On Standard, an exchange over your allowance made on a Saturday pays the 1% fair usage fee plus the 1% weekend fee (Revolut plans).
There is also a practical cap of 200 exchanges in 24 hours (Revolut Help), which only matters to heavy traders.
The weekend window, in UK time
Revolut’s weekend runs from 17:00 Friday to 18:00 Sunday Eastern Time, which is 22:00 Friday to 23:00 Sunday in London for most of the year. In the few weeks when the US and UK clocks change on different dates, both times move an hour earlier. A dinner on a Friday evening in Europe is often already inside the window.
The simplest way around it is to exchange in advance: convert what you expect to spend into the local currency on a weekday, then pay from that balance at the weekend. A card payment that draws on a balance you already hold involves no new exchange.
When a paid plan pays for itself
Take someone on Standard who exchanges £2,000 a month, all on weekdays:
- Standard: the first £1,000 is free, the next £1,000 costs 1%, so £10 a month.
- Plus: £2,000 is within the £3,000 allowance, so no exchange fee; the plan costs £3.99.
- Premium: no exchange fee; the plan costs £7.99.
At that level, Plus is cheaper than paying the fair usage fee. If a big share of your spending falls at weekends, the 1% weekend fee on Standard adds up faster; Plus halves it and Premium removes it. Below about £400 a month of excess exchange, the Standard fees are lower than the Plus subscription. Paid plans bundle other things too, such as higher free ATM allowances and insurance, which may or may not be worth it to you.
Other costs that are not the exchange rate
- ATM withdrawals. Standard includes 5 withdrawals or £200 a rolling month, whichever comes first, then 2% with a £1 minimum (Revolut fees). Paid plans raise the allowance. The ATM operator may add its own charge.
- International transfers. Transfers outside the UK and the euro payments area carry a transfer fee shown in the app, separate from the exchange fee (Revolut fees).
- Merchant conversion. When a card terminal or website abroad offers to charge you in pounds, it is converting at its own rate. Choose the local currency and let Revolut do the exchange.
For how Revolut compares with a bank that passes on the card network rate with no allowance, see Monzo vs Revolut. For bigger international transfers, our Wise vs Revolut comparison and transfer fee comparison go through the costs.
How we checked this
We read Revolut’s UK fee pages for each plan, its help article on exchange fees and limits, and its plan comparison page. Prices are for UK customers and were current on September 25, 2026; fees in other countries differ. Revolut changes its fees from time to time, so check the app before a large exchange. This guide is general information, not financial advice.
