Revolut Limits and Large Money Transfers [2026 Guide]

Revolut offers multi-currency accounts, cards, and international payment services for personal and business customers in the UK. If you're using Revolut for larger transactions, it is essential to understand the transfer limits, exchange rates and potential fees involved.

This guide outlines Revolut's limits for international transfers, card spending, and account services. We'll also compare Revolut with alternatives like Wise and OFX to help you find the most cost-effective way to move your money.

💡 Quick summary: Revolut transfer limits

*Information correct at time of writing - 23rd March 2026

Note on weekend fees: Regardless of your fair usage limit, currency exchanges made on weekends (Friday 5pm to Sunday 6pm ET) incur a markup - usually 1% for Standard/Plus and 0% for higher tiers.

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. You can also read more about international money transfer limits here.

Is Revolut safe for large amounts in the UK? 🇬🇧

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 for business custoners, 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.

• SEPA Instant: Limited to 100,000 EUR per single payment.

• UK GBP Transfers: Limited to £250,000 per single payment to a UK beneficiary.

  Go to Revolut

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

Alternatives to Revolut with higher limits

Revolut may have limits on international transfers which vary depending on the currency and the partner provider used to process the payment. You often won't know if a limit applies until you set up the transfer in the app.

If you run into a limit or simply want to compare costs for high-value payments, these specialists are strong options. Here is how OFX, Wise, and Xe Money Transfer measure up against Revolut:

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

Details correct at time of research - 23rd March 2026

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 0.33%. For more details on their specific thresholds, check out this guide on Wise limits.

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:

Xe Money Transfer

With Xe Money Transfer you can send a payment online or in app to 190+ 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, the service has a dedicated team to help customers wanting to send high-value transfers.

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's fees for large transfers depend heavily on your chosen account tier. While higher tiers have a monthly subscription cost, they waive or significantly discount many of the transaction-based fees.

Several additional factors may influence the final cost of your payment:

• Payment method fee: Transferring to a card rather than a bank account typically incurs an additional fee calculated in real-time.

• Third-party fees: Intermediary banks involved in the global SWIFT network may deduct their own charges as the payment is processed.

• Exchange rates: Always check the live rate in the app before confirming. Charges included in a shifted exchange rate can mount up quickly on high-value payments.

  When you set up a transfer, Revolut will display the specific total fee based on your account type and usage. You can then compare this cost with other providers to decide if it's the best option for your transaction.

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

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 a card transfer 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.

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

While there is no fixed maximum amount you can receive via bank transfer, all incoming payments count towards your annual deposit limit mentioned above.

If a specific incoming transfer is exceptionally large, Revolut may temporarily hold the funds.

In these cases, you will be notified in the app to provide a source of funds document, such as a payslip or bank statement, to verify the payment and complete the transfer.

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.

Revolut card limits 💳

Revolut ATM withdrawal limits 🏧

Each Revolut plan includes a monthly withdrawal limit without fees. Once you exceed this limit, a 2% fee applies (with a minimum of £1 per withdrawal). While there is no monthly "cap" on how much you can withdraw in total, Revolut imposes a daily limit of £3,000 per 24 hours for all account types.

*Information correct at time of writing - 23rd March 2026

Note: Some ATM operators may charge their own independent fees, which are separate from Revolut's limits._

Currency exchange limits

Revolut allows you to exchange 30+ currencies at the Revolut exchange rate. However, Standard and Plus plans have a fair usage limit on how much you can exchange each month before an extra fee applies.

There is also a limit of 100 exchanges within any 24-hour period across all plans.

*Information correct at time of writing - 23rd March 2026

Weekend Exchange: All customers should note that exchanges made between Friday 5pm (ET) and Sunday 6pm (ET) incur a weekend fee. This is 1% for Standard users, 0.5% for Plus users, and 0% for Premium, Metal, and Ultra users.

Cash deposit limits

Revolut has recently changed its policy regarding cash. As of 13 February 2026, Revolut has discontinued cash deposits at retail locations across the UK.

Previously, users could deposit cash via partners like Paysafe at various shops, but this service is no longer available for new or existing customers. To add money to your account, you'll now need to use alternative methods:

• Bank transfers: Usually instant and free.

• Debit card top-ups: Add funds directly from another bank card.

• Apple Pay or Google Pay: Quick digital wallet transfers.

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 offers five account types to personal customers with varying features and fee structures. While there is no fixed Revolut limit on international transfers, Revolut's payment partners may have their own caps, which you will see in the app when arranging a payment.

Before sending a large amount, compare Revolut's transfer fees and exchange rates against alternatives like Wise or OFX.

Revolut's costs vary based on your account tier, the currency, and the timing of your transfer, potentially including fair usage or weekend fees. Use this guide to determine if Revolut fits your needs or if a specialist provider offers a better deal for your specific transaction.

Useful resources

*Information correct at time of writing - 23rd March 2026

• Wise: Official site for mid-market exchange rates and high-value international transfers

• Revolut: Overview of UK personal account plans and digital banking features

• Revolut Help Centre: Detailed help centre with information on account limits, top-ups, plans and benefits, security, etc

• Revolut pricing page

• Revolut card deposit limits

• OFX: Official website for the UK with information on currency transfers and 24/7 specialist support

• Xe: Official site for international money transfers and global currency conversions