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

Key takeaways:

• Revolut Singapore offers four personal plans plus four business account tiers, with features and allowances varying by plan.

• Revolut Business Basic is free to open, but has tighter allowances for international and local transfers than the paid plans.

• Airwallex's free Explore plan works differently: it includes unlimited free local transfers and free international transfers via local payment rails, so you can save money on transfers even on the free plan.

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 1 Oct 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 1 Oct 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 commission charged per trade and regulatory fees potentially applying.

Metal users get additional perks on top of the everyday features, including cashback on eligible card payments, 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 1 Oct 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 1 Oct 2026. Information reflects Airwallex's own research and has not been independently verified.

Multi-currency accounts

All plans include accounts in 30+ currencies⁶. Singapore customers get local account details for their Singapore account, while other currency accounts use SWIFT details for international transfers.⁷

Money transfers

Revolut Business supports international transfers to 150+ countries. When you exceed your plan's free allowance, international transfers cost S$8 each, while domestic transfers outside your allowance cost S$0.20 each.⁶

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

For currency exchanges, Revolut uses its real exchange rate, based on rates from the foreign exchange market. If you exceed your plan's monthly FX allowance, a 0.6% fee applies. A 1% markup also applies to exchanges made outside foreign exchange market hours⁶.

Corporate cards

Every Revolut Business plan includes physical and virtual corporate cards. The first physical card for each authorised person is delivered free, while additional physical cards may incur a fee.⁷

Virtual cards are available at no cost, with up to 50 cards per authorised person.⁷

Grow, Scale, and Enterprise plans also include a number of complimentary Metal cards, with the allowance varying by plan. Additional Metal cards are charged separately.⁶

Expense management and controls

Every Revolut Business plan includes access to Expenses, which helps businesses capture, categorise and reconcile company spending. Expenses can also sync with accounting software to reduce manual data entry.

Grow, Scale and Enterprise plans add more advanced spend management features, including custom approval workflows and account access controls. These plans also include Bills, purchase orders and analytics and reporting.

Information in this section is based on Revolut’s official website as of 1 Oct 2026.

Why Singapore businesses choose Airwallex

Revolut Business offers a broad range of features, but what you get depends on your plan, with the Basic plan putting tighter limits on transfers and other business activity. Airwallex provides more generous allowances for transfers, and gives you payment acceptance across multiple markets.

Here’s what you get with Airwallex:

• Save on international transfers. Airwallex routes 94% of transfers through local payment rails with $0 transfer fees. In contrast, Revolut Business (Basic plan) includes no free international outbound transfers, with S$8 charged per transfer.

• Save on local transfers. Airwallex gives you unlimited free local transfers via FAST/GIRO. In contrast, Revolut Business (Basic plan) only gives you five free transfers per month.

• Accept payments globally. Airwallex Payments supports 160+ local payment methods across 180+ countries, giving you access to a broad range of local payment options as you expand internationally. Revolut Business also offers a payment gateway, but does not publish a comparable figure for the number of countries covered.

Frequently asked questions (FAQs)

What plans does Revolut Singapore offer?

Revolut Singapore offers four personal plans: Standard, Premium, Metal and Ultra, as well as four Business plans: Basic, Grow, Scale and Enterprise. Personal plans mainly differ in their exchange, spending and other usage limits, while Business plans offer different allowances and access to features such as international transfers, expense management and payment acceptance.

Is Revolut good for overseas spending in Singapore?

Revolut can be used for overseas spending and currency exchange. Personal plans have different exchange allowances and fees, with higher-tier plans offering larger allowances and fewer additional charges. Standard users can exchange currencies without an additional fee up to their plan's monthly allowance, while additional fees may apply after the allowance or when exchanging outside market hours.

Can Singapore businesses use Revolut?

Yes. Revolut Business is available to companies registered in Singapore and offers multi-currency accounts, local Singapore account details, international transfers, corporate cards, expense management and payment acceptance. It also offers a payment gateway for online payments and other merchant tools such as Payment Links, Invoices and Subscriptions.

What currencies does Revolut Singapore support?

Both personal and business accounts support 30+ currencies for holding, exchanging and spending, although the currencies available and specific features can vary by account type. Business customers can also use their multi-currency accounts to receive and send international payments, with local account details available for SGD and SWIFT details for other supported currencies.

Does Revolut Singapore charge weekend fees?

It depends on your plan. Personal Standard customers pay an additional fee when exchanging currencies outside market hours, while Premium, Metal and Ultra customers do not. For Revolut Business, an additional markup applies to currency exchanges made outside market hours.

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/