Revolut for travelling - the most important information

At the end of the article, you will find a list of ATMs that do not charge commission worldwide!

Revolut on the go – the best way to pay on vacation

Hi, I'm Hubert Pleskot, founder of Two Continents. When I was creating the first guide to the Revolut card, when there wasn't even an office in Dubai or Travel with Hubert, I didn't expect that over 3,000 people would open accounts on my recommendation in such a short time! When I tested Revolut as a payment method, I saved almost €100 in 5 days in New York. That was a long time ago, but I still use the card when traveling and running my travel agency. As you may have noticed, I never advertise anything. From the very beginning, I have promoted cheap flights and cheap accommodation, and now I run the largest Polish travel agency in Dubai. Together with my team, we not only help you travel to Dubai, but also continue to promote cheap flights and accommodation and provide you with tips. That's why we've created a guide to the Revolut card, which will make your travels cheaper and more convenient. Revolut guide - read on!

Register using our link: create a free Revolut account.

Revolut for payments abroad – my story

And here's the story! I had known about the system since 2016, but something didn't feel right... I put the card in a drawer and never used it – it turned out to be the biggest mistake I could have made. For years before using the card, I exchanged zlotys for dollars when traveling, and then dollars for local currency – I lost a lot of money. Thanks to the card I'm talking about, you get a better exchange rate than at the best possible exchange office.

Revolut has taken the personal finance market by storm and is doing very well. The service, or rather a fully functional bank account, has recently become particularly useful for us travelers. It took me a while to warm up to Revolut, but now I, like many other people around the world, can't imagine traveling without services like Revolut. Below you will find all the information you need to use Revolut. Revolut on the go 2025 – if you have any doubts about taxes or want to check where to withdraw money from ATMs in the most popular destinations, read on!

That was my personal story with Revolut, now let's move on to the next part of the guide:

What is Revolut and what are the benefits of a multi-currency card on vacation?

What is Revolut? Revolut is a digital financial platform and global mobile app that offers a range of banking and financial services, from international transfers and payment cards to mobile payments. Setting up and using a Revolut account for payments abroad is the best way to save money while traveling and more. The app also offers many additional features such as stock market investing, cryptocurrencies, and booking accommodation, attractions, airport lounges, and even public transport tickets.

Is Revolut good for vacations? Yes, Revolut is the perfect choice for vacations thanks to its multi-currency card. What is a multi-currency card? A travel payment card, also known as a multi-currency card, allows you to store and spend funds in multiple currencies while traveling. With Revolut, you can pay in over 150 currencies worldwide, withdraw money from ATMs without commission, and avoid losing value and time on currency exchange rates at traditional exchange offices. Revolut's payment security when traveling is top notch — payments are secured just like at banks, and if you lose your card, you can quickly block it and pay with a virtual card (there's even an option to generate one-time virtual cards).

Creating a Revolut account

Before you learn how to use Revolut when traveling, you will first need to create an account. The first step to using a Revolut card is to create an account. How to create a Revolut account before your trip? Revolut will definitely come in handy on vacation, so it's a good idea to set up an account well in advance. It's best to set up a Revolut account in the US before you leave for vacation so that the payment card has time to arrive.

Here's how to set up a Revolut account step by step:

• Step 1: Download the Revolut app to your phone.
• Step 2: Register in the Revolut app with the necessary information, such as your first and last name, email address, and phone number.
• Step 3: Verify your identity with an ID document (ID card, passport, or driver's license) and a selfie—the process takes a few minutes at most.
• Step 4: Choose a plan and a Revolut card for yourself – for most travelers, the free Standard plan is definitely enough.
• Step 5: Fund your Revolut account with a debit or credit card or via bank transfer and enjoy using your account!

Revolut account types: Standard, Plus, Premium, Metal, and Ultra

Currently, there are five types of personal accounts to choose from, the differences between which are best illustrated in the graphic below:

As we can see, Revolut offers a free option (Standard) and paid options (Plus, Premium, Metal, and Ultra). What is the best Revolut plan for tourists? For most tourists, the free Standard plan will be sufficient. The free plan's limit of $200 per month for ATM withdrawals is difficult to exceed, and apart from the currency exchange fee on weekends, there are no additional costs associated with using Revolut. Frequent travelers may be interested in higher plans, and for businesspeople or people who fly regularly around the world, the Ultra plan will be the best choice (it includes unlimited access to airport lounges, among other things).

How does Revolut work when traveling?

Can I use Revolut to make payments abroad? Yes, Revolut can be used both domestically and abroad. Using Revolut is free until you decide to upgrade your plan, exceed your limits, or make transactions subject to commission. Using Revolut on vacation rarely involves exceeding limits. Taxes, limits, and commissions are discussed later in this article. Paid plans also have limits, after which a commission is charged. Information on the use of limits can be found in the app by clicking on your profile (Dashboard -> Profile photo -> Limits).

Revolut on vacation – what you need to know Revolut is a solution not only for vacations, but also for business trips, family visits, and all other types of travel. It will always come in handy when you want to pay and don't want to lose money on currency exchange. How to use Revolut on vacation? Remember to always have your Revolut card with you and the app installed on your phone. Then Revolut will make international travel easier: just pay for your purchases and food with your card, and for attractions or online shopping with the app – it couldn't be simpler! Is Revolut safe on vacation? Yes, the Revolut app uses two-step verification, and all your funds are secure in the app, which is locked with a unique 6-digit password.

How does Revolut work? – taxes, limits, and commissions

Using Revolut while traveling is subject to taxes, limits, and commissions. IMPORTANT: taxes or commissions apply when you exceed the set limits or withdraw cash from ATMs that charge a commission. In 99% of cases, you will not have to pay anything for having Revolut, unless you are staying abroad for a long time and use cash frequently. Let's take a closer look at Revolut's travel fees, how to make Revolut transfers and payments without fees, and whether Revolut international payments are subject to commission:

• Revolut limits and fees: You can withdraw up to €200 (US$200 or equivalent in local currency) per month or make 5 withdrawals. For higher plans, the limits are €200 (no limit on the number of withdrawals), €400, €800, and €2,000 PLN, respectively. On your Revolut account, the ATM withdrawal tax appears after you exceed the above amount for your plan, and a commission of 2% of the amount withdrawn is charged, with a minimum fee of €1. Therefore, the Revolut ATM withdrawal commission is not so noticeable, as the limits often cover the ideal amounts needed when traveling.
• Revolut commissions: ATM operators may charge a commission on your withdrawal. Before withdrawing, check if there is such a tax and, if so, how much it is. This message often appears on the ATM screen. Always choose the option to charge in the local currency of the country you are in (“without conversion”)! Otherwise, the operator's exchange rate may be used instead of the interbank rate. Within 24 hours, we can withdraw up to £3,000 or the equivalent in another currency.

Please note! From January 8, 2024, changes to card transfer fees have been introduced. The fees for international card transfers to certain countries will be reduced from 2.3% to 1% per transfer. Due to an increase in our transaction costs, the minimum transfer fee will rise from USD 0.50 to EUR 1. The above rates apply to card transfers to Albania, Armenia, Azerbaijan, Bosnia and Herzegovina, Montenegro, Georgia, Kazakhstan, Kyrgyzstan, Kosovo, Moldova, North Macedonia, Serbia, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan. That's not all. Due to increased transaction costs, a minimum transfer tax of EUR 0.20 will also be introduced for all card transfers within the United Kingdom and Europe. For example, for a card transfer from Spain to Poland, a tax of 0.7% of the transaction amount or EUR 0.20 will be charged, whichever is higher.

How much does currency conversion cost on Revolut?

On weekdays, all exchanges are made at the interbank exchange rate with no additional fees. With the Standard plan, the monthly exchange limit is EUR 1,000. If this limit is exceeded, a fee of 1% of the transaction value is charged. There are two exceptions: 🇹🇭 Thai baht and 🇺🇦 Ukrainian hryvnia. In these cases, a 1% margin is always added. Avoid currency exchanges on weekends (and card payments if you don't have the currency in your Revolut sub-account)! On Saturdays and Sundays, a fixed commission of 1% is applied (for THB and UAH, this is a total of 2% on weekends). With the Standard and Plus plans, you can exchange up to 1,000 euros per month without additional fees. With the Plus plan, you can exchange up to 3,000 euros, and with the Premium, Metal, and Ultra plans, there is no limit.

Does Revolut offer good currency exchange rates when traveling? Yes, currency exchange with Revolut when traveling guarantees the best exchange rate, better than 99.9% of currency exchange offices and banks. Holders of multi-currency cards such as Revolut do not need to take cash with them or exchange money before departure, because even if they cannot pay by card everywhere, they can easily withdraw cash at the best rate from ATMs (preferably those that do not charge commission).

Funding your Revolut account

There are several ways to top up your Revolut account free of charge. The minimum amount is €10.

• Card – link your card in the app by entering the 16-digit card number, expiry date and CVC code; then authenticate the transaction (depending on your banking system) and the funds will be immediately available in your account. This is the fastest method.
• Bank transfer – Revolut has IBAN accounts in many European countries, so you can easily deposit money to your card via bank transfer. Simply select bank transfer as the deposit option, then select your bank and transfer the funds.

You can also deposit money using Google Pay or Apple Pay. You can withdraw funds accumulated on Revolut at any time free of charge via a standard transfer. The processing time is as fast as when you top up your account.

How to withdraw money from Revolut?

You can withdraw money from Revolut in the same way as from any other debit card or other type of card. Just go to an ATM, enter your card PIN, and withdraw the amount of money you want. However, you need to remember certain rules, limits, plan adjustments, and fees, which are described in the article above. How to withdraw money from Revolut without a card? It is not possible to withdraw money from your Revolut account using virtual cards. The only way to withdraw money from Revolut without a card is to transfer it to another account and withdraw it from there.

TIP FROM US: If you are not traveling alone and are using the standard plan, encourage your companion(s) to sign up for a free account to increase your shared Revolut limit. You will also have more than one card, which increases your security in case of loss (with your partner, the shared limit is the same as for a premium account – $400). If you have children under the age of 18, it is not possible to create an account for them. The minimum age is 18.

Paying with a Revolut card

When making a payment, you do not need to have the currency in your sub-account. The app will automatically convert the transaction at the interbank exchange rate, and the funds will be debited from the sub-account with the highest value. However, we must remember about possible weekend currency conversion fees (see above).

#Tip: If we plan to make card payments on the weekend in a currency supported by Revolut, it is better to exchange money earlier on Friday or during the week and keep it in a sub-account. This way, you will avoid commissions. As for “unsupported” currencies, unfortunately, you will have to accept a 1% commission on weekend payments or withdraw funds from an ATM on Friday and use only cash on weekends. All payments made on business days using the 36 supported currencies and other currencies (except THB and UAH) are converted at the interbank exchange rate without additional fees.

At the moment, transfers are supported in the following currencies: AED, AUD, BGN, BOB, CHF, CLP, CAD, COP, CRC, CZK, DKK, EGP, EUR, GBP, GTQ, HKD, HUF, IDR, ILS, INR, JPY, KRW, LKR, MXN, MYR, NOK, NPR, NZD, PEN, PHP, PLN, RON, RSD, SAR, SEK, SGD, THB, TRY, USD, VND, ZAR (as of April 25, 2025). We also offer virtual cards. You can pay with a generated card and then delete it. With the Premium, Metal, and Ultra plans, you get a virtual card that changes its details after each transaction.

Revolut ATM withdrawals abroad

With Revolut, withdrawing cash from ATMs abroad is really easy. Revolut has free ATMs in a huge number of countries around the world. We have created a global list of ATMs that do not charge commission for Revolut cards, thanks to which withdrawals from ATMs abroad from your Revolut account will be free and you will not have to pay commission (AVOID EURONET and remember to always choose the option to withdraw without currency conversion, use the local currency).

Revolut ATM withdrawals without commission – list of countries worldwide:

• Albania – Credins Bank.
• Andorra – Andbank, Morabanc.
• England – Lloyds, other ATMs should be commission-free when withdrawing GBP.
• Argentina – probably all ATMs charge commission, low at Smallworld.
• Australia – National Bank of Australia (select “Savings” when withdrawing), rediATM, Commonwealth Bank (charges a commission with Mastercard, not with VISA).
• Austria – Austria/Unicredit, Bankhaus Carl Spangler, Bawag/PSK, Hypo Tirol, Sparkasse, Volksbank Tirol AG.
• Armenia – IDBank, AmeriaBank.
• Belgium – ING, KBC.
• Bolivia – BancoFie.
• Bosnia and Herzegovina – Unicredit, Sberbank, Nova Banka, Addiko Bank.
• Brazil – Banco do Brasil, Branco Bradesco.
• Bulgaria – DSK Bank, Central Cooperative Bank, United Bulgarian Bank, Fibank, SG Express Bank, Piraeus Bank Bulgaria, Eurobank, Postbank, ProCredit Bank, Tokuda Bank.
• Chile – Itau Bank, Scotiabank (not Scotiabank azul), Banco International, Corpbanca.
• China – Bank of China.
• Croatia – Erste Bank, IKB (Istarska Kreditna Banka), OTP, RaiffeisenBank, Sberbank, Splitska Banka, Zagrebačka banka.
• Cyprus – Alpha Bank, Bank of Cyprus.
• Montenegro – Crnogorska Komercijalna Banka.
• Czech Republic – Raiffaisen, Airbank, CSOB, Fio, Komerční Banka.
• Denmark – Nordea, Nordjyske Bank.
• Dominican Republic – Jumbo ATM.
• Ecuador – Banco del Austro, Produbanco.
• France – BNP Paribas, Credit Agricole.
• Gibraltar – NatWest.
• Ghana – Agricultural Development Bank.
• Greece – Bank of Chania, HSBC.
• Spain – Deutsche Bank, UniCaja.
• Netherlands – ABN-AMRO, ING, Rabobank.
• Hong Kong – HSBC.
• India – RBL Bank, Bank of Baroda, State Bank of India, Kasturba.
• Indonesia – CIMB, Maybank, Bank BCA.
• Ireland – Allied Irish Bank, Bank of Ireland.
• Israel – Discount Bank.
• Japan – 7-Eleven stores (Mastercard only).
• Canada – Tangerine.
• Kazakhstan – Sberbank, Halyk Bank.
• Kenya – Diamond Trust Bank, Equity Bank, NIC Bank.
• Kyrgyzstan – Demir Bank, Optima Bank.
• Colombia – BBVA.
• South Korea – Shinhan, KB Star.
• Cuba – Banco Popular de Ahorro.
• Latvia – Citadele Banka, Luminor Bank, SEB Banka, Swedbank.
• North Macedonia – Ohridska Banka, Sparkasse Bank, Halkbank ATM.
• Malaysia – Maybank, CIMB Bank.
• Malta – Bank of Valleta, HSBC. 
• Morocco – Al Barid Bank, Banque Populaire, BMCI.
• Nepal – Everest Bank, Kailash Bikas Bank, Nepal Bank Limited.
• Germany – Baden-Württembergische, Commerzbank, Deutsche Bank, Hypovereinsbank, Landesbank Baden-Württemberg, Postbank, Reisebank, Santander.
• Nigeria – Access Bank, Diamond Bank, UBA.
• New Zealand – Westpac.
• Norway – SpareBank.
• Oman – Bank Dhofar, Bank Muscat.
• Peru – BCP.
• Poland – Bank Pekao SA, PKO Bank Polski, Santander.
• Portugal – Multibanco.
• Russia – Gazprombank, Raiffeisen, Bank Otrkitie, BIN Bank, VTB. 
• Romania – BCR, Banca Transilvania, OTP Bank, Raiffaisen, ING.
• Serbia – AIK Banka Jubanka, Erste Bank, Multicard ATM, OTP Banka.
• Singapore – UOB.
• Slovakia – Postova Banka, Unicredit, VUB, Prima Banka.
• Sri Lanka – Bank Nations Trust, Bank of Ceylon. 
• United States – Santander (PA), Sun East Credit Union, WSFS (PA).
• Sweden – Swedbank (operates without commission in other countries in the region, not 100% confirmed in Sweden itself).
• Thailand – all ATMs charge a commission, the lowest being AEON 150 THB.
• Tanzania – KCB Bank. 
• Taiwan – Bank of Taiwan, Cathay Bank, SinoPac.
• Turkey – Halkbank, Ziraat Bank.
• Ukraine – UKRBank.
• Uzbekistan – Kapital Bank.
• Hungary – Unicredit.
• Vietnam – VP Bank, TP Bank, Agribank low commission.
• Italy – Unicredit, Raiffaisen. 
• United Arab Emirates – ADCB, Emirates NBD.

Please note that the list is not updated on an ongoing basis, and banks change their regulations quite often. Always make sure that the ATM does not charge commission on Revolut cards before withdrawing money. The list of Revolut ATMs without commission is a suggestion and does not guarantee 100% absence of commission: always check before withdrawing money.

Additional Revolut account features

Revolut has long been more than just payments and a multi-currency card. It is a functional app that makes traveling and everyday life easier. The expense sharing feature will be very useful when traveling. In the app, you can split the cost of flights, accommodation, and meals in restaurants with your friends or family. Just click on the transaction and select the “Split bill” option. If your “debtors” also use Revolut, the funds will be transferred to your account immediately.

If you need a refund from people who don't use the app yet, you're not out of luck. You can generate a payment link and send it to them. The other party just needs to enter their card details as if they were shopping online, and the funds will be in your account. Thanks to Bluetooth, you can also transfer funds to people nearby, even if you don't have their phone number!

The Revolut app also offers additional features, such as:

• Accommodation booking: with the Revolut app, you can book accommodation all over the world.
• Cashback: through the Revolut app, you can choose stores where you will receive up to 5% cashback after making purchases with your Revolut card.
• Attraction booking: with the Revolut app, you can book the most popular attractions in many cities around the world.
• Airport lounges: with the Revolut app, you can buy tickets to airport lounges around the world, and with higher plans, you'll get discounts on tickets or unlimited access.
• Cryptocurrencies and investing in them.
• Stock market investing.

Paying with Revolut in Dubai

Can you pay with Revolut in Dubai? Yes! In our experience, Revolut is the best way to pay in Dubai. With your Revolut card, you can pay in restaurants and shops in Dubai, and before you leave for your vacation in Dubai, you can use the Revolut app to buy attractions in Dubai and accommodation in Dubai. The website of the largest Polish travel agency in Dubai, Two Continents, also supports other payment methods, such as ZEN, Google Pay, Apple Pay, BLIK, international banks, and many, many more.

You can also use Revolut accounts for larger financial transactions. Can a multi-currency payment card for holidays be used to buy a flat in Dubai? Of course it can! In real estate in Dubai, together with the real estate agency Two Continents, you can even invest using your Revolut account. Contact our experts using the contact form and learn more about investing in short-term rentals in Dubai.

Questions and answers (FAQ):

• What are the advantages of using Revolut when traveling abroad?

The biggest advantages of using a Revolut card when traveling abroad are the ability to make payments in foreign currencies without commission, free ATM withdrawals, and fast payments for attractions and online purchases virtually anywhere in the world.

• Does Revolut work in all countries?

The Revolut card and app work in almost all countries worldwide that accept Visa or Mastercard payments. You can therefore pay with Revolut virtually anywhere in the world. The following countries are exceptions where you cannot pay with Revolut: Belarus, Russia, North Korea, Iran, Libya, Myanmar, Syria, Venezuela, and Zimbabwe. Revolut may not work in areas with unregulated state status.

• What taxes are associated with using Revolut when traveling?

Using Revolut when traveling is free and does not incur any additional fees, unless you exceed your Revolut plan limits, e.g., the amount of money available for withdrawal abroad, you exchange currency on a weekend with an additional interest rate, or you withdraw money from an ATM that charges a commission on Revolut cards.