Revolut Business
Multi-currency banking without the bank markup.
For Irish businesses trading across Europe and beyond, Revolut Business replaces a traditional bank + FX broker + expense tool with one dashboard. Hold 25+ currencies, FX at interbank rate (+0.4% markup vs traditional 2-3%), team cards with spend controls, and a genuinely good mobile app.
R
Revolut Business · Crescentek LtdLive · Interbank rates
25+ currencies · 5 active
🇪🇺
EURMAIN
Main account · IE
48,250.12
EUR
🇬🇧
GBP
UK sub-account
18,420.45
GBP
active
🇺🇸
USD
USD sub-account
12,850.00
USD
🇵🇱
PLN
Polish supplier
34,500.80
PLN
🇨🇭
CHF
CHF sub-account
4,820.60
CHF
Total portfolio value (in EUR equivalent)
€118,842.50
FX markup saved YTD
€0
vs traditional Irish bank FX markup
EUR → GBP€5,000
Bank: €160Revolut: €2.50
EUR → USD€2,500
Bank: €80Revolut: €1.25
GBP → PLN€10,000
Bank: €320Revolut: €5.00
USD → EUR€7,500
Bank: €240Revolut: €3.75
0.4% markup on weekday FX within plan limit. Interbank pricing on most major pairs.
Who it fits
The Irish business profile that wins with Revolut Business.
Cross-border trading businesses
Sell into UK/EU/US, receive in customers' currencies, pay suppliers abroad. FX savings alone usually pay for the subscription 5-10×.
Remote / hybrid teams
Team members travelling or based abroad. Corporate cards in their currency, instant top-ups, real-time spend visibility in the admin.
Digital agencies + consultancies
Clients pay in multiple currencies. Hold what you receive (no forced conversion), convert when rate favours you, pay contractors in their currency.
Finance teams wanting better expense visibility
Team cards with per-card limits, merchant category blocks, auto-categorised expenses, receipt capture in the mobile app, export to Xero/QuickBooks.
Startups allergic to traditional-bank friction
Bank account opens in 1-2 days vs 4-6 weeks for AIB/BOI. Modern dashboard, API access, no fax machines. Revolut's 30% of Irish startup banking for a reason.
Cash-heavy businesses needing idle-fund returns
Savings Vaults earn interest on idle EUR/GBP/USD. Not an investment platform but better than 0% on current account.
What's in the platform
Beyond banking — what Revolut Business actually does.
Multi-currency accounts
Hold 25+ currencies. Irish IBAN for EUR, UK sort code/account for GBP, USD routing number — no intermediary bank.
FX at interbank rate
Convert currencies at mid-market rate + 0.4% markup (vs 2-3% traditional). Plan limits apply; excess at 1%.
Corporate debit cards
Physical + virtual cards per team member. Per-card spend limits, merchant category locks, one-click freeze/unfreeze.
Expense management
Capture receipts via mobile app, auto-match to transactions. Categorise, approve, export to Xero/QuickBooks/Sage.
Team members + permissions
Invite team members with scoped permissions. Admin / Finance / Member / Custom roles. No extra user fees on mid plans.
Revolut Pay (accept payments)
Let customers pay you via Revolut's one-click checkout. Alternative to Stripe/PayPal; instant settlement; competitive fees.
Payment links + invoicing
Generate a link, send to customer, they pay. Native invoicing with recurring options. No-code collect-money workflow.
Analytics + forecasting
Cash flow view, spend by category, spend vs last period. AI-assisted "forecast next month's spend" for simple planning.
Fraud + spend controls
MFA required, spend caps per card, location-based transaction blocks, chargeback support, Chargeback Protection add-on.
Irish plan structure
Which Revolut Business plan fits you.
Plans change; verify on business.revolut.com. Below are typical Irish plan options as of Spring 2026 to orient you.
Basic
€0free
FX interbank
€1k/mo interbank
Transfers
5 free local
Very early stage, very low volume
Grow
€19/month
FX interbank
€10k/mo interbank
Transfers
100 free local + 10 international
Early-stage SMBs, small teams
Scale
€79/month
FX interbank
€50k/mo interbank
Transfers
1,000 free + 50 international
Growing businesses with int'l activity
Enterprise
Custom
FX interbank
Negotiated
Transfers
Unlimited + priority support
€500k+ monthly turnover
The honest view
Where Revolut Business falls short.
Account freezes + slow unfreezing
Revolut's risk engine will flag and freeze accounts during unusual activity patterns. Unfreeze process via chat support can take hours to days. Keep a backup bank account for emergencies.
Customer support is chat-only
No phone line. Chat responses usually fast but for complex issues, no one will jump on a call. Enterprise plans get dedicated reps.
Limited lending / overdraft
Revolut doesn't do business loans, overdrafts, or invoice financing in Ireland. Traditional banks still win here.
Cash handling — none
100% digital. No branches. Can't deposit cash. Not an option if your business takes meaningful cash daily.
Weekend FX surcharge
FX markup rises to 1% on weekends (when interbank markets are closed). Plan large conversions for weekdays.
Still relatively new — track record
Founded 2015; fully licensed in Ireland. Still less institutional legacy than AIB/BOI. Some B2B customers / suppliers may prefer traditional bank details.
Frequently asked
Revolut Business questions.
Yes — Revolut Bank UAB operates in Ireland under EU passporting from Lithuania's Central Bank. Deposits protected up to €100,000 under Lithuanian Deposit Insurance (same protection as Irish banks' €100k under DGS). Functionally equivalent; different regulator.
Is Revolut Business right for your Irish business?
30-minute call. Walk us through your FX volume, supplier payments, team size — we'll tell you if Revolut fits, if you need a traditional bank alongside, or if Wise/Airwallex might be better.