Quick Answer
What Revolut charges when you travel, plan by plan
Every figure below is from Revolut’s German fee schedules and help centre, read on 24 September 2026. Revolut prices plans by country, so check the euro pricing guide if you live outside Germany.
| Standard | Plus | Premium | Metal | Ultra | |
|---|---|---|---|---|---|
| Monthly price | €0 | €2.99 | €8.99 | €15.99 | €65 |
| Annual billing | €0 | €29.99 | €89 | €155 | €650 |
| Free ATM cash per rolling month | €200 or 5 withdrawals | €200 | €400 | €800 | €2,000 |
| ATM fee above the allowance | 2%, min €1 | 2%, min €1 | 2%, min €1 | 2%, min €1 | 2%, min €1 |
| Exchange at the Revolut rate, Mon to Fri | €1,000/month | €3,000/month (German branch) | Unlimited | Unlimited | Unlimited |
| Fee above that limit | 0.5% | 0.5% | None | None | None |
| Weekend exchange markup | 1% | 0.5% | None | None | None |
| Travel insurance | No | No | Yes, trips up to 30 days | Yes, trips up to 30 days | Yes, up to 90 days |
| Global eSIM data included | No | No | 1 GB/month | 3 GB/month | 5 GB/month |
Two details in that table need a caveat. Revolut’s own pages disagree on the Standard fee above €1,000: the fee schedule and the help centre say 0.5%, the footnote on the pricing page still says 1%. And the €3,000 Plus limit applies to customers of Revolut’s German branch (a German IBAN); other EEA customers of Revolut Bank UAB keep €1,000. Customers who joined before 7 May 2026 also keep lower prices (Premium €7.99, Metal €13.99, Ultra €60 a month).
Paying by card abroad: how the automatic exchange works
You do not need to buy currency before a trip. When you pay, Revolut checks your balances in a fixed order: first a balance in the currency of the payment, then your base currency (euros for a German account), then the active currency with the highest balance. It never combines two balances to cover one payment, so if none of them covers the amount plus fees, the payment is declined.
Revolut lists no fee for paying abroad as such. The cost comes from the exchange: on Standard it is free within the €1,000 monthly limit on weekdays, and it counts toward that limit even when the exchange happens automatically at the till. That is the part people miss: a €1,400 week of hotels and restaurants in Thailand, paid from a euro balance, uses up the whole Standard allowance and pays the fair usage fee on the rest.
The one thing Revolut cannot show you in advance is the total cost of a card payment that needs a real-time exchange. The breakdown appears in the app after the transaction.
Cash abroad: the ATM allowance and the second fee
Revolut’s allowance runs per rolling month, not per calendar month. Standard is the tightest: €200 or five withdrawals, whichever comes first, so five withdrawals of €20 use it up just as fully as one of €200. Above the allowance Revolut charges 2% of the amount, with a minimum of €1 per withdrawal.
The second fee is not Revolut’s. Many ATMs abroad charge their own fee, and Revolut says the machine shows it before you confirm the withdrawal. No card can refund that on its own. The practical defence is fewer, larger withdrawals from bank-owned machines and, where a country is card-friendly, paying by card instead.
Two more limits apply whatever you pay: cash withdrawals are capped at £3,000 or its equivalent per 24 hours (Revolut states it in pounds even on the German page), and upgrading your plan does not raise that daily cap. Withdrawing a foreign currency also triggers the exchange rules, including the weekend markup.
The weekend markup, and how to dodge it on Standard
On Standard and Plus, exchange costs more between 17:00 on Friday and 18:00 on Sunday, New York time. In Central European Summer Time that is 23:00 on Friday to midnight on Sunday night. The markup is 1% on Standard and 0.5% on Plus, and it applies to card payments that need an exchange, not only to exchanges you make by hand in the app.
The fix on a free plan is simple: exchange a weekend’s worth of the local currency in the app on Friday afternoon. Payments from a balance you already hold in that currency need no exchange, so no markup applies. On Premium, Metal and Ultra there is nothing to plan around.
Decline the conversion at the terminal
Card terminals and ATMs abroad often offer to charge you in euros instead of the local currency. It is called dynamic currency conversion, and Revolut’s help centre is blunt about it: always pay in the local currency and decline any conversion. If you accept, the terminal’s bank sets the exchange rate, and none of Revolut’s pricing applies to that part of the transaction.
Which plan pays for itself on a trip
- Standard (€0) covers a typical two-week holiday if you spend under €1,000 in foreign currency a month, take out cash once or twice, and exchange on weekdays.
- Plus (€2.99) is worth it mainly for German-branch customers who spend between €1,000 and €3,000 abroad a month, since its weekend markup is also halved.
- Premium (€8.99) removes both the exchange limit and the weekend fee, doubles the cash allowance to €400 and adds travel insurance for trips up to 30 days paid with your Revolut account. Our Premium review runs the numbers.
- Metal (€15.99) adds €800 of free cash, 3 GB of eSIM data and car rental excess cover of up to €2,000. See the Metal review.
For how Revolut compares with a charge card that pays rewards, see Amex vs Revolut, and for every plan feature in one place, the Revolut travel card guide.
Frequently asked questions
Does Revolut charge fees for paying by card abroad?
Revolut lists no separate foreign transaction fee. When you pay in a currency you do not hold, the app exchanges your balance automatically at the Revolut rate, so the only costs are the exchange rules of your plan: on Standard, exchange above €1,000 a month and any exchange between Friday 17:00 and Sunday 18:00 New York time cost extra. Premium, Metal and Ultra pay neither.
How much cash can I withdraw abroad for free with Revolut?
Per rolling month: €200 or 5 withdrawals on Standard (whichever comes first), €200 on Plus, €400 on Premium, €800 on Metal and €2,000 on Ultra. Above that Revolut charges 2% of the amount, at least €1. The ATM operator can add its own fee on top, which the machine shows before you confirm.
What is the Revolut weekend fee?
Revolut adds 1% on Standard and 0.5% on Plus to any currency exchange made between 17:00 on Friday and 18:00 on Sunday, New York time. That includes the automatic exchange when you pay by card on a weekend in a currency you do not hold. Premium, Metal and Ultra pay no weekend fee.
What happens when I go over the Revolut exchange limit?
Standard includes €1,000 of exchange a month at the Revolut rate; above that Revolut’s German fee schedule and help centre charge a 0.5% fair usage fee, while its pricing page footnote still says 1%. Plus includes €3,000 a month for customers of the German branch and €1,000 for other EEA customers, with 0.5% above. Premium and up have no limit.
Should I pay in euros or local currency abroad with Revolut?
Always in local currency. Revolut’s own help centre says to choose the local currency when a card terminal or ATM offers a conversion and to decline it. If you accept the machine’s offer to charge you in euros, the merchant’s bank sets the exchange rate instead of Revolut.
Before you fly
Check two numbers in the app before you leave: how much of your monthly exchange allowance is left, and how much free cash. If the trip will blow through both, a month of Premium usually costs less than the fees it removes. And set up the rest of your travel kit while you are at it: a travel eSIM for data and, if you will be on hotel Wi-Fi, a travel VPN.