Revolut Large Transfers 2025: Safety, rates and limits

Revolut is a global provider of multi-currency accounts, cards and payment services, offering a suite of feature packed products to both personal and business customers in the UK. If you plan to use Revolut, you'll need to understand how their transfer limits work - as well as the costs and exchange rates available when you send money overseas.

This guide walks through Revolut's limits, with a focus on international transfers, and a quick look at limits for card and account services. We'll also introduce a couple of alternatives for international transfers, like Wise and OFX, in case you want to compare your options before making your next payment.

Quick summary: Revolut transfer limits

• Revolut offers 5 different account tiers for personal customers in the UK, which each have their own features and fees

• There's no Revolut limit on the amount you can send overseas, but Revolut's payment partners may have limits which you'll see in the app when arranging a payment

• Revolut's transfer fees vary depending on the country, currency, payment value, and the account tier you hold - fees can include a transfer charge and currency conversion fair usage costs

• International transfers to banks through Revolut can take 3 to 5 days to arrive, depending on the destination

• Revolut accounts have deposit limits which aren't publicly disclosed, and an ATM limit of 3,000 GBP per day

Does Revolut have limits?

Revolut doesn't impose transfer limits when you send money overseas from your account. However, Revolut payments are processed via Revolut's payment partners, which may have their own limits which vary by currency.

If you run into a limit when setting up a Revolut payment you'll be shown in the app, and can either split your transfer into smaller amounts, or choose a different provider which may have higher limits, like Wise or OFX. We'll look at some Revolut alternatives you might consider a little later.

Is Revolut safe for large amounts?

Revolut is a digital first provider which has industry level security in place to protect customers, their accounts, and their money. You can use 2 factor authentication to keep your account safe, and access 24/7 customer support if you ever have any issues with your account or payment.

There's also a name checking service which ensures that the name on the account you're sending money to matches the recipient you've selected - this can help make sure you don't accidentally send a payment to an incorrect account.

Revolut international transfer limits

There's no Revolut limit on international payments - however, the maximum amount you can transfer on Revolut may vary depending on the details of the payment you're making.

Revolut processes international payments in partnership with other payment providers, which can have their own limits. These limits can vary by currency, so you might find the Revolut transfer limit for euros is different to the limit for sending dollars, for example.

Revolut doesn't publish the partner limits which may apply to your account. Instead, you'll be shown a notification in the app when you set up a payment, if any limit applies. If the limit means your payment can't be arranged, you can split it into smaller payments, or choose another provider.

We'll look at some alternatives to Revolut, next.

Alternatives to Revolut with higher limits

Revolut may have limits on international transfers, which can vary depending on the currency you're sending and the partner provider which Revolut works with to process the payment.

You won't know if a limit applies to your transfer until you start to set up the payment in the Revolut app. If you'd prefer to shop around, or if you run into a limit which means you can't set up your transfer on Revolut, you can check out some Revolut alternatives.

Here we've picked out OFX, Wise and Xe Money Transfer as some services you might want to look at, which can support high value payments online and in app, with good exchange rates and low overall costs. Here's how they measure up:

*Other limits may apply, depending on the payment method and destination country

Details correct at time of research - 3rd April 2025

OFX

OFX allows customers to send money in 50+ currencies, all over the world. OFX does not charge any transfer fee on payments although there is a fee included in the exchange rate that's used to process your payment.

 There's no upper limit on the amount of money you can send with OFX. If you're sending a high value payment you may need to talk it through with OFX using their 24/7 call line, to make sure you have all the right information and documentation to support your transfer.

Some banks have a daily or per transfer limit on the amount you can send. If your bank imposes a limit, OFX can accept partial payments for a transfer - so you can make several bank transfers to pass OFX the full amount required for processing.

Wise

Wise offers high value payments for individuals and businesses to 140+ countries, with the mid-market exchange rate and low fees from 0.48%.

Wise is a secure provider which also offers volume discounts on fees, so the costs could be reduced if you use the service regularly or if you're sending a large amount.

Wise limits when sending in GBP depend on how you want to pay. You can send up to 1 million GBP, but in some cases - such as when you pay with a card - the limit is lower. You'll be shown the payment options based on the amount you need to send so you can decide how best to pay.

If you send more than the currency equivalent of 20,000 GBP a month you could get an automatic discount of up to 0.17%. There's no need to pre-arrange the fee.

Here's how the Wise high value payment discounts break down:

Learn more on - How to send large amount transfers with Wise

Xe Money Transfer

With Xe Money Transfer you can send a payment online or in app to 130+ countries from the UK, for personal or business use. Xe has a fixed limit of 375,000 GBP or the currency equivalent per personal payment. This limit does not apply on business transfers.

Xe does not market volume discounts on fees or exchange rates, but if you're using the service for a big transfer it may be worth calling them to check if there's a good deal to be had.

Is it possible to increase Revolut transfer limits?

Revolut does not impose its own payment limits when you make an international transfer, but its payment partners may have limits. Revolut doesn't disclose these partner limits, or any way to increase them if you need to send more than is usually allowed in the app.

If you have an issue with a Revolut payment you can reach out to the Revolut team to see if they can help you, or choose a different provider like Wise or OFX.

How to send high amount transfers from Revolut to bank account

To send a high amount transfer with Revolut, you'll first need to register an account. This can be done with your phone or laptop, and a government issued ID document like your passport.

Here's an outline of the steps you need to take:

1. Download the Revolut app or head to the desktop site, and tap Sign up

2. Register a Revolut account and provide your ID document to complete verification

3. Top up your account with a card, wallet or bank account

4. Select the Send money option, and enter the amount and currency to send

5. Enter the recipient's payment information and check the fees and exchange rate you're quoted

6. Confirm the payment and your money will be on its way

Depending on the value of the payment, you may need to provide some additional details or documents to Revolut before the payment will be processed. If this is the case you'll be notified by Revolut and can upload images of the required documents to your account following the instructions.

Additional documents needed vary depending on the nature of the payment, but usually you'll be asked to prove the source of the funds to prevent illegal activities or money laundering.

Revolut large transfer fees

Revolut large transfer fees depend on a number of factors including the account tier you have, the value of your payment and the destination country and currency. Several different fees could apply, depending on the payment details:

• Transfer fee - there's no Revolut fee for transfers in the UK and SEPA area, but variable fees apply on all other payments. Some account tiers get a discount on the transfer fee

• Currency exchange fee - all Revolut accounts include some weekday currency exchange with the Revolut rate and no additional fee. However if you exceed your account exchange limit you'll pay a fair usage fee of 0.5% - 1% depending on the account tier you have

• Payment method fee - some payment types, such as transferring to someone's card rather than to a bank, can have an additional fee

• Third party fees - banks involved in processing a Revolut payment can deduct their own service charges as the payment passes through the system

When you set up a transfer in the Revolut app you'll be shown the fees which apply to your specific payment, based on the transfer details and your account type and usage. You can then compare the costs with other providers to decide if it's right for you.

Check the fees and the exchange rates available, as charges included in the exchange rate you're offered can mount up pretty quickly on high value payments - more on that next.

Revolut exchange rate for international transfers

Revolut accounts all include some weekday currency exchange with the Revolut rate and no additional fee. However if you exceed your account exchange limit you'll pay a fair usage fee of 0.5% - 1% depending on the account tier you have. Here's a breakdown:

• Standard account tier - convert 1,000 GBP per month before a 1% fair usage fee begins

• Plus account tier - convert 3,000 GBP per month before a 0.5% fair usage fee begins

• Premium, Metal and Ultra account tiers - unlimited conversion is included, with no fair usage fee to pay

You can choose the account tier which suits your transaction needs the best - including the Standard tier which has no monthly fee, but low limits on no fee transactions. Or upgrade to an account which has monthly fees to pay, to unlock more no fee transactions - the top tier account costs 45 GBP/month, but has unlimited currency exchange, and other perks like discounts, travel and lifestyle benefits and more.

How long do large transfers take with Revolut?

International transfers to banks through Revolut can take 3 to 5 days to arrive, depending on the destination. Sending euro payments in the SEPA area is usually a bit quicker, with payments arriving in anything from a few seconds to 2 days.

If you need to make a fast payment, the quickest option is usually to send to a card rather than to a bank account. In this case the funds usually arrive within 30 minutes. Additional fees may apply for this, compared with sending to a bank account.

You'll see a delivery estimate in the Revolut app so you can decide which payment method suits you best.

How to receive large transfers with Revolut

You can receive payments to your Revolut account in a selection of currencies. The details you'll need to give the sender depend on the currency you're receiving, but you can get all the information you need from the Revolut app.

If you receive a large payment to Revolut you may be asked to provide some documents to show the source of the funds - in this case, the Revolut team will contact you directly to explain what to do.

Learn more - Best ways to receive money internationally

Revolut account limits

Revolut accounts have various limits which aren't disclosed as they're dynamic and change depending on how you use your account. There's a daily limit on the amount you can add to your account either using a wallet like Apple Pay, or a direct transfer.

There's also a Revolut annual deposit limit which resets itself each year on the date you first created your account.

Revolut account receiving limits

Revolut does not publish account receiving limits - these limits change depending on your financial history with Revolut and how you use your account.

You'll see the limits which apply to your account in the Revolut app, so you know what to expect. If you hit a limit you may be asked to provide additional documents to increase your limit and continue to use your account.

Revolut card limits

Your Revolut card has a couple of important limits to know about:

• You can withdraw up to 3,000 GBP per day

• You can make up to 100 currency exchanges per day

• You can make contactless payments up to 100 GBP

• Some merchant category limits apply, including a 7 day limit on the amount you can spend on wire transfers, betting and gambling and financial transactions such as getting travel money

  If any other limits apply based on your card usage and account type, you'll be shown in the Revolut app.

What is the maximum amount I can pay with Revolut?

The key card limits with Revolut are set by merchant category and reset themselves every 7 days. These limits include the following weekly caps:

• You can spend up to 10,000 GBP on non-financial institutions, such as getting foreign cash or travellers cheques

• You can spend up to 25,000 GBP on wire transfers

• You can spend up to 25,000 GBP on betting and gambling

How to check Revolut card limits

You can check what's left on your spending limits, or change your chosen spending limit, in the Revolut app. Here's what you need to do:

1. Open the revolut app and go to 'Home'

2. Tap the card icon and choose the card you want to check

3. Tap 'Settings' and then 'Spending limit' to see or change your limit

Revolut Business limits

UK customers can choose from various different Revolut business accounts which all have their own features, fees and limits. Limits include caps on card usage, and some incoming transfer types.

Revolut business payments limits

Revolut business limits include the following:

• SEPA instant transfers are capped at 100,000 EUR per incoming or outgoing payment

• Faster Payments in the UK are capped at 1,000,000 GBP per incoming payment

• Outgoing UK payments are capped at 250,000 GBP per transfer

• Revolut business debit cards are capped at 5,000,000 GBP per month spending

Some other currency specific payment limits also apply on outgoing transfers from Revolut, which you'll be able to see in the app when you arrange your transfer.

Revolut customer support for high amount transfers

The easiest way to get revolut customer support is by opening an in-app chat. Here's what to do:

1. Log into the Revolut app and tap your profile

2. Select ‘Help' and choose the relevant topic for self help advice

3. Select ‘Chat with us' if you need more assistance and want to connect to an agent

Conclusion: Is Revolut good for large amounts?

Revolut UK personal customers can choose from 5 different account types which offer a variety of features and fees. There's no Revolut limit on the amount you can send overseas as a personal customer, but Revolut's payment partners may have limits which you'll see in the app when arranging a payment. If you hit a limit you'll need to split your payment down, or choose a different provider like Wise or OFX.

Before you send your payment, compare Revolut's transfer fees against alternative providers to see which can offer you the best deal. Revolut's fees vary depending on the country, currency, payment value, and the account tier you hold, and can include a transfer charge and currency conversion fair usage costs. Use this guide to decide if the Revolut international transfer service is right for you - and to compare your options with other specialist digital providers.