Revolut Singapore review (2026): Plans, fees & features

Key takeaways:

• Revolut Singapore offers three personal plans (Standard, Premium, and Metal) plus four business account tiers for companies managing cross-border payments.

• Personal accounts are free to open, but fees apply when you exceed your monthly exchange limit or make transactions outside market hours.

• If your business needs more than a multi-currency account, Airwallex offers a broader financial platform with payment acceptance, expense management, and global transfers.

Revolut Singapore is a digital finance app that lets you hold, exchange, and spend money in multiple currencies.

It serves two types of customers: individuals who want a better way to spend and send money abroad, and businesses that need multi-currency accounts and cross-border payment tools.

This review breaks down both sides of Revolut Singapore, including personal plans, business account tiers, fees, and where the limitations show up. By the end, you'll have a clear view of whether it fits your needs, or whether you need something more.

What is Revolut?

Revolut is a fintech that offers digital financial services to consumers and businesses across multiple markets.

In Singapore, it operates under a Major Payment Institution licence issued by the Monetary Authority of Singapore (MAS). Customer funds are held in segregated accounts with partner banks, in line with MAS safeguarding requirements.

Today, Revolut Singapore serves two distinct audiences:

• Individuals looking for a better way to spend and send money internationally

• Businesses that need multi-currency accounts and cross-border payment tools

This review covers both, starting with personal plans.

Information in this section is based on Revolut’s official website as of 13 July 2026.

Revolut Singapore personal account: Plans, fees, and features

The Revolut personal account is built around a multi-currency debit card and wallet. It suits frequent travellers and anyone who regularly sends or receives money in foreign currencies.

There are three plans to choose from; here’s a quick overview:

Revolut personal plans

This information is based on publicly available information accessed on 13 July 2026. Information reflects Airwallex's own research and has not been independently verified.

Multi-currency card and spending

You get a debit card linked to your Revolut wallet. You can hold and exchange money in 30+ currencies and spend in 150+ currencies³ worldwide.

Currency exchange

All three plans use Revolut's exchange rate, which closely tracks the mid-market (interbank) rate during foreign exchange market hours. The main difference between plans is how much you can exchange before extra fees kick in.

Standard users can exchange up to S$5,000 per month at no extra cost. Anything above that incurs a fair usage fee. Premium raises that limit to S$15,000, and Metal has no exchange limit at all¹.

There is also an additional 1% fee for Standard users who exchange outside foreign exchange market hours⁴, roughly Friday 5pm to Sunday 6pm New York time. Premium and Metal users do not pay this fee.

Investments and savings

All plans include access to stock trading with a US$0.99 commission per trade (regulatory fees may also apply).

Metal users get extra perks on top of the everyday features, including 1.5% cashback on eligible card payments (monthly cap applies), discounted airport lounge access, and travel insurance, subject to the plan's terms and conditions.

Information in this section is based on Revolut’s official website as of 13 July 2026.

Revolut Business account: Plans, fees, and features

Revolut Business gives Singapore-registered companies a multi-currency account, corporate cards, and cross-border payment tools.

There are four plans, each with a different set of allowances and features. Here’s a quick overview:⁶

This information is based on publicly available information accessed on 13 July 2026. Information reflects Airwallex's own research and has not been independently verified.

Multi-currency accounts

All plans include accounts in 25+ currencies⁶, with both global and local account details. This means you can receive payments using local transfer methods in supported currencies, rather than routing everything through SWIFT.

USD, GBP, EUR, and CHF inbound transfers are free on all plans and don't count toward your plan allowance⁷.

Money transfers

Revolut Business supports international transfers in 30+ currencies⁸. When you exceed your plan's free allowance, the fee is S$8 per additional international transfer⁷. Domestic transfers outside your allowance cost S$0.20 per transfer⁷.

Transfer times vary by destination and payment method. Transfers between Revolut accounts are instant, while international bank transfers can take up to several business days depending on the route.⁹

Revolut uses its exchange rate, which closely tracks the mid-market rate. If you exceed your monthly FX allowance, a 0.6% fee applies, and an additional 1% fee applies to exchanges made outside foreign exchange market hours⁷.

Corporate cards

Every plan includes virtual corporate cards and standard plastic physical corporate cards.

• The first plastic card for each authorised person is free, while additional plastic cards start from S$9.99 each.⁷

• Virtual cards are free, with up to 50 available per authorised person.⁷

On top of that, Grow, Scale, and Enterprise plans also include complimentary Metal cards.⁶ ATM withdrawals are not available in Singapore, and overseas ATM withdrawals incur a 2% fee⁷.

Expense management and controls

Every Revolut Business plan includes expense management features and accounting integrations to help businesses track company spending and reconcile transactions.

Grow, Scale, and Enterprise plans add more advanced controls, including approval workflows and spending controls. Grow and above also include access to Flexible Cash Funds, allowing businesses to earn a return on eligible idle balances.

Information in this section is based on Revolut’s official website as of 13 July 2026.

Why Singapore businesses choose Airwallex for global payments and spend management

If your business needs more than a multi-currency account, such as a payment gateway, bill pay, or support for higher-volume international payments, Airwallex offers a broader set of capabilities than Revolut Business. Here’s what you get with Airwallex:

• Accept customer payments globally. Airwallex includes a built-in payment gateway that lets you accept payments in 180+ countries using 160+ local payment methods. Revolut Business doesn't currently offer a payment gateway in Singapore.

• Pay suppliers around the world. Airwallex lets businesses pay suppliers in 200+ countries and regions from the same platform, while Revolut Business doesn't currently offer an accounts payable solution in Singapore.

• Lower-cost international transfers at scale. Airwallex sends payments via local payment rails in 120+ countries and regions with $0 SWIFT fees, while Revolut Business charges S$8 per international transfer once you exceed your monthly allowance.

Frequently asked questions (FAQs)

What plans does Revolut Singapore offer?

Revolut Singapore offers three personal plans: Standard (free), Premium (S$10.99 a month¹), and Metal (S$21.99 a month¹) plus four business plans: Basic (free), Grow, Scale, and Enterprise⁶. Plans mainly differ in your monthly exchange limit, the number of free transfers you get, and access to features like bulk transfers. Higher tiers remove more fees but come with a monthly cost.

Is Revolut good for overseas spending in Singapore?

Revolut works well for overseas spending if you stay within your plan's exchange limit. All plans use Revolut's exchange rate, which closely tracks the mid-market rate during weekday market hours, but Standard users pay a 1% fee once they exceed S$5,000 in monthly exchanges, plus another 1% for exchanges made outside market hours⁴. If you exchange currency often, Premium or Metal removes most of that friction.

Can Singapore businesses use Revolut?

Yes, Revolut Business is available to Singapore-registered companies, and the Basic plan is free with 25+ currency accounts and local account details⁶. It doesn't currently offer a payment gateway for accepting online customer payments, or a bill payment tool, in Singapore. Businesses that need those capabilities may want to look at Airwallex instead.

What currencies does Revolut Singapore support?

Personal Revolut accounts let you hold and exchange 30+ currencies² and spend in 150+ currencies worldwide³. Business accounts support 25+ currencies, with both local and global account details⁶.

Does Revolut Singapore charge weekend fees?

Yes, for personal Standard accounts. Exchanges made outside foreign exchange market hours carry an extra 1% fee⁴, though Premium and Metal users don't pay it. On Basic business accounts, exchanges made outside market hours also carry an extra 1% fee⁷.

Sources:

1. revolut.com/en-SG/our-pricing-plans/, https://www.revolut.com/en-SG/legal/standard-fees/

2. revolut.com/en-SG/metal/

3. revolut.com/en-SG/travel/travel-money-card/

4. revolut.com/en-SG/legal/standard-fees/

5. revolut.com/en-SG/legal/premium-fees/

6. revolut.com/en-SG/business/business-account-plans/

7. revolut.com/en-SG/legal/business-basic-fees/

8. help.revolut.com/business/help/receiving-payments/sending-money-to-an-external-bank-account/where-can-i-transfer-money/

9. help.revolut.com/business/help/receiving-payments/transfers-info/how-quick-is-my-transfer/

10. airwallex.com/en-sg/business-account/transfers/