🏦 Revolut Business Review: our complete analysis for 2026

Heropay helps you understand if the solution is right for you:

• Revolut Business is ideal for international trade with its 25 currencies and competitive exchange rates.

• Subscription starts at €10 / month for basic services, but fees climb quickly outside the allowance.

• You benefit from flexible physical and virtual cards to easily equip your teams.

• A Local IBAN is available, facilitating your local direct debits and collections.

• Warning: Revolut offers no financing (overdraft, credit) nor capital deposit service.

• For remunerated cash flow (up to 5%) and financing, Heropay is a more profitable alternative.

• Customer support via chat can lack personalization for complex requests.

Quick overview of Revolut Business

Launched in the UK in 2015, Revolut has established itself as the global financial "super-app". Initially focused on individuals, its Business offer now targets freelancers and companies (SMEs) needing agility.

Although operating under a Lithuanian (LT) banking license for Europe, Revolut provides a Local IBAN to its clients in supported countries. Its positioning remains very marked by multi-currency and expense management abroad.

What are the Revolut Business fees?

Revolut's pricing grid is modular. It works by monthly subscription, with included operation quotas. Here is the detail of the plans for 2026:

• Basic (€10 / month): This is the entry-level paid offer. It includes the local IBAN and cards, but remains limited on free transfers (10 national, 0 international).

• Grow (from €35 / month): This plan unlocks 100 national transfers, 5 international, and a currency exchange quota of €15,000 at the interbank rate. It also allows bulk payments.

• Scale (from €90 / month): For larger structures, with 1,000 national transfers and 25 international included. The exchange quota rises to €60,000.

• Enterprise (Custom): For large accounts requiring custom limits.

Watch out for out-of-quota fees: Once your limits are exceeded (for example the €1,000 exchange limit on the Basic plan), fees apply. Moreover, international transfers outside the allowance can quickly increase the bill.

What are the key features of Revolut Business?

Revolut bets everything on technology and openness to the world.

• Multi-currency management: This is its major asset. You can hold and exchange more than 25 currencies (USD, GBP, etc.) with local account details for some.

• Corporate cards: The issuance of physical and virtual cards is flexible to equip your teams. Higher plans offer "Metal" cards.

• Collection tools: Revolut integrates solutions to accept payments (links, QR codes, Revolut Reader POS) directly linked to the account.

• Integrations: The platform connects to major accounting software and offers a Business API for higher subscriptions.

Pros and Cons of Revolut Business

Here is an objective summary of the strengths and weaknesses of this solution:

Use Case: When does Revolut Business slow down your growth?

Revolut excels at paying a supplier in New York, but shows its limits when you need cash to develop locally.

Let's take the example of Thomas, manager of a rapidly expanding digital marketing agency.

He has just signed a big contract, but will be paid in 60 days. To honor the order, he must recruit a freelancer and buy software licenses immediately.

• The problem: Thomas needs €10,000 of immediate cash.

• The Revolut limit: Revolut is a payment account. They offer no overdraft, no factoring, no cash credit. Thomas is stuck and must call his personal bank or wait.

• The Heropay approach: With integrated financing, Thomas could have unlocked a cash advance or paid his suppliers in 3 installments, directly from his account, without blocking his growth.

According to Heropay, a modern professional account should not be content with transferring money, it must act as a financial partner capable of injecting liquidity when activity accelerates.

The 3 best alternatives to Revolut Business

How does Revolut position itself against other market players?

Verdict: our final opinion on Revolut Business

Revolut Business is an unavoidable option for companies that conduct a significant part of their business outside the Eurozone. If you pay suppliers in dollars or receive pounds sterling, it is a powerful tool to reduce your exchange fees.

However, for a local SME whose activity is mainly domestic, the offer lacks depth on the financial side. The absence of financing (overdraft, credit) and the inability to deposit share capital make it an effective secondary account, but sometimes a limiting main account.

Heropay: the alternative designed to finance your growth

If your priority is not currency exchange, but the financial health of your company, Heropay is the logical solution.

Unlike Revolut which bills you subscriptions, Heropay (Hero X offer) is free and brings you money:

1. Remuneration: Your cash surpluses generate up to 5% interest (from the first euro).

2. Financing: Get instant access to cash advances or fractional payment for your suppliers.

3. Creation: Benefit from a unique offer where €1 of deposited capital = €1 financed extra to launch your activity.

According to Heropay, your bank should not be a simple payment app, but a growth lever that improves your working capital requirement (WCR) daily.

Your questions about the Revolut Business account

Is Revolut Business a real bank?

Technically, Revolut has a European banking license (Lithuania). However, in many countries, it operates via its branch. Your deposits are protected by the Lithuanian guarantee system, but you have no physical branches.

What are the limits of the Revolut card?

Limits depend on your subscription. On Basic and Grow plans, they are generally sufficient for an SME. Be careful, cash withdrawals at ATMs are often chargeable (2% fee) above a certain threshold, which can be a hindrance for some merchants.

Can you use Revolut for all international transactions?

Yes, that's its great strength. You can hold sub-accounts in more than 25 currencies. It is ideal for avoiding exchange commissions from traditional banks. However, for financing needs locally, it is not the adapted tool.

How is Heropay a better alternative for a local SME?

Heropay is designed for the local market. Where Revolut focuses on pure "banking", Heropay integrates financing (supplier payment in installments) and remuneration of the current account. It is a more complete solution for managing the operating cycle of a local business.