Revolut Singapore review (2026): Plans, fees, and features explained

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 go beyond a multi-currency account — such as a payment gateway, expense management, or wider global payout coverage — Airwallex is worth considering.

Revolut Singapore is a digital finance app that lets you hold, exchange, and spend money in multiple currencies. It covers both personal and business users, with separate product lines for each.

Since launching in Singapore in 2019, Revolut has expanded well beyond its roots as a travel card. Personal users now get multi-currency wallets, investment tools, and a debit card for overseas spending. Businesses get multi-currency accounts, corporate cards, and cross-border payment tools.

This review covers both sides of the product — personal plans, business account tiers, fees, and where the limitations are — so you can decide if Revolut is the right fit.

What is Revolut?

Revolut is a UK-based fintech that offers digital financial services to consumers and businesses. It launched in Singapore in 2019, initially as a personal multi-currency card and wallet. Since then, it has expanded to include business accounts, investment tools, and a robo-advisory service for retail investors.

Revolut holds 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.

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

The information in this table has been reviewed to be accurate as of 1 April 2026.

Multi-currency card and spending

You get a debit card linked to your Revolut wallet. You can hold and exchange money in 35+ currencies and spend in 150+ currencies worldwide. When you pay in a foreign currency, Revolut pulls from the matching currency balance in your wallet first. If that balance runs short, it converts from your SGD balance automatically.

Note that ATM withdrawals are not available in Singapore — the free ATM allowance only applies to overseas withdrawals.

Currency exchange

All three plans use the interbank exchange rate, also called the mid-market rate, during weekday 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 1% fair usage fee.

• Premium raises that limit to S$15,000.

• Metal has no exchange limit at all.

There is also an additional 1% fee for Standard users who exchange outside foreign exchange market hours¹ — roughly Friday 5pm to Sunday 6pm New York time. Premium and Metal users do not pay this fee.

Money transfers

Transfers between Revolut users are free regardless of plan. For SGD transfers to Singapore bank accounts, Standard users get five free transfers per month — both card transfers and bank transfers count toward this limit.

After that, each transfer will incur a fee, unless you’re on the Metal plan. These fees vary by currency and destination and are shown in the app before you confirm.

Investments and savings

All plans include access to stock trading at US$0.99 per trade, commodity trading, and cryptocurrency exchange. Revolut also offers flexible cash funds in USD, GBP, and EUR, with variable returns that differ by plan.

Metal users additionally get 1.5% cashback on all card payments and travel benefits including discounted airport lounge access and travel insurance for trips purchased with Revolut.

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 — Basic, Grow, Scale, and Enterprise — each with a different set of allowances and features.

Revolut business plans

The information in this table has been reviewed to be accurate as of 1 April 2026.

Multi-currency accounts

All plans include accounts in 25+ currencies 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 not charged by Revolut — they don't count toward your plan allowance.

Money transfers

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

Transfer times vary by route:

• SWIFT transfers typically take up to two business days.

• Transfers between Revolut accounts are instant.

The FX rate is based on the interbank rate. If you exceed your monthly FX allowance, a 0.6% fee applies. An additional 1% fee is charged for exchanges made outside foreign exchange market hours.

Corporate cards

All plans include physical and virtual corporate cards. The first physical card per authorised person is delivered free — additional physical cards start from S$9.99 each. Virtual cards are free.

Grow, Scale, and Enterprise plans include complimentary metal cards. All cards can be used to spend in 150+ currencies. Note that ATM withdrawals are not available in Singapore, and that overseas ATM withdrawals incur a 2% fee.

Expense management and controls

All plans include expense management tools and accounting software integrations. Grow and above add custom spend and expense approvals, analytics, and account access controls. Enterprise plans include dedicated account management.

Business fees summary

The information in this table has been reviewed to be accurate as of 1 April 2026.

Revolut Singapore: Pros and cons

Revolut does a lot well, but how useful it is depends heavily on which plan you're on and how you use it. Here's a clear-eyed look at where it delivers and where the limits show up.

Pros and cons of Revolut (personal account)

The information in this table has been reviewed to be accurate as of 1 April 2026.

For personal users, the Standard plan is a solid starting point for overseas spending and occasional international transfers.

The weekend FX fee and the S$5,000 monthly exchange limit are the two things most likely to catch you out. If you regularly move larger sums or send money abroad, upgrading to Premium or Metal removes most of that friction.

Pros and cons of Revolut (business account)

The information in this table has been reviewed to be accurate as of 1 April 2026.

For businesses, Basic is a reasonable way to get started — but the zero international transfer allowance makes it impractical for anyone paying overseas suppliers regularly. Grow is the more realistic entry point for most active businesses.

The two gaps that apply across all tiers: no payment gateway and no bill payment solution. If either matters to your business, you will need to supplement Revolut with another platform or consider an alternative.

Why Singapore businesses choose Airwallex over Revolut

If Revolut's gaps matter to your business — no payment gateway, no bill pay, and capped international transfer allowances — Airwallex is a good option to consider.

Where Revolut Business is built around a multi-currency account with payment tools layered on, Airwallex is built as an end-to-end finance platform. Here's a quick overview:

The information in this table has been reviewed to be accurate as of 1 April 2026.

Ultimately, Revolut works well for businesses with simple, predictable payment needs.

But the moment you're managing supplier invoices, accepting customer payments online, or sending more than five international transfers a month, you're either paying extra fees or running a second platform alongside it.

Airwallex brings all of that together in one place — collections, payouts, corporate cards, bill pay, and a payment gateway — without the per-transfer fees or the need to stitch platforms together.

Frequently asked questions (FAQs)

What plans does Revolut Singapore offer?

Revolut Singapore offers three personal plans — Standard (free), Premium (S$10.99/month¹), and Metal (S$21.99/month¹) — and four business plans: Basic (free), Grow, Scale, and Enterprise.⁴ The main differences between plans are your monthly FX limit, the number of free transfers included, and access to features like bulk transfers and flexible cash funds.

Is Revolut good for overseas spending in Singapore?

It depends on your plan. All plans give you access to the interbank exchange rate during weekday market hours, which is competitive. The catch is that Standard users pay a 1% fair usage fee once they exceed S$5,000 in monthly exchanges, and an extra 1% for transactions outside market hours. If you spend or exchange frequently, Premium or Metal removes most of that friction.

Can Singapore businesses use Revolut?

Yes, Revolut Business is available to Singapore-registered companies. The Basic plan is free and includes 25+ currency accounts with local account details.⁴ However, there is no payment gateway for accepting customer payments online, and no bill payment solution currently available in Singapore — so businesses with those needs may want to consider an alternative such as Airwallex.

What currencies does Revolut Singapore support?

Personal accounts let you hold and exchange money in 35+ currencies¹. Business accounts support 25+ currencies with both local and global account details.⁴

Does Revolut Singapore charge weekend fees?

Standard personal account users pay an additional 1% fee for currency exchanges made outside foreign exchange market hours — which covers weekends. Premium and Metal users do not pay this fee. For business accounts, an additional 1% applies to all plans for exchanges made outside market hours.

Sources:

1. revolut.com/en-SG/our-pricing-plans/

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

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

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

5. revolut.com/en-SG/legal/business-grow-fees/

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

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

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

This publication does not constitute legal, tax, or professional advice from Airwallex, nor does it substitute seeking such advice, and makes no express or implied representations / warranties / guarantees regarding content accuracy, completeness, or currency. If you would like to request an update, feel free to contact us at [[email protected]]. Airwallex (Singapore) Pte. Ltd. (201626561Z) is licensed as a Major Payment Institution and regulated by the Monetary Authority of Singapore.