Estimate Your Revolut International Transfer Cost
Enter your details to estimate total fees, recipient amount, and effective rate. This is an educational calculator, not an official quote.
Assumptions are editable and simplified. Real fees vary by corridor, currency pair, payment rail, and account conditions.
How this Revolut international transfer fee calculator works
International transfers can look cheap at first glance, but the true cost usually comes from multiple parts: transfer processing fees, FX conversion markups, and sometimes receiving-bank charges. This calculator combines those pieces into one estimate so you can compare options before sending money.
You start with the amount you want to send, pick your plan and transfer type, and enter the live mid-market exchange rate. Then the calculator estimates what you’ll pay in fees and what the recipient could receive after optional receiving-bank deductions.
What costs are included
1) Transfer rail fee
Different routes can have different costs. For example, a local bank rail transfer can be cheaper than SWIFT priority delivery. In this tool, each transfer type has a simple fixed + percentage cost model so you can quickly test scenarios.
2) FX markup fee
FX costs can appear in two common ways:
- Weekend markup: often higher due to market closure risk.
- Allowance overage markup: some plans include fee-free FX limits, then a markup applies beyond the limit.
The calculator estimates the overage only on the portion of this transfer that exceeds your plan allowance.
3) Receiving bank fee (optional)
Some destination banks deduct an incoming transfer fee. Since that fee is often unpredictable, this calculator lets you enter it manually in the recipient currency to model conservative outcomes.
Formula summary
Example scenario
Suppose you send 1,000 GBP to EUR, use an international bank transfer route, and your mid-market rate is 1 GBP = 1.17 EUR. If your plan applies a weekend markup and you are over your monthly FX allowance, your total cost can rise meaningfully. The calculator helps you test whether waiting for weekday FX or changing transfer route improves the outcome.
How to reduce transfer costs
- Send on weekdays when possible to avoid weekend FX markup.
- Track monthly FX usage to stay inside plan limits.
- Compare transfer rails (local rails vs SWIFT) for your destination.
- Ask the recipient bank about incoming charges before sending.
- Split timing strategically if rate movement and allowance reset can help.
Important notes
This calculator is meant for planning and comparison. Real pricing can change by country pair, compliance checks, card funding source, and network fees. Always review your in-app final quote before you confirm a transfer.
If you send business payments or large six-figure transfers, use this estimate first, then verify exact costs in your account and with the beneficiary bank.
Quick FAQ
Is this an official Revolut calculator?
No. It is an independent estimator designed to help you model transfer economics quickly.
Why can actual fees differ from this result?
Pricing may differ due to route-specific charges, dynamic spreads, intermediary banks, destination country rules, or promotional changes to plan features.
Can I use this for any currency pair?
Yes. Enter your own source and target currency codes plus current mid-market rate for your pair.