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Using Irish Revolut in the UK: fees, rates and how does it work
Heading over to the UK soon and wondering if Revolut will work? Don’t worry, you’ll find the answers you need here!
In this article, we’re going to delve into how your Irish Revolut account works when you're in the United Kingdom, exploring the features, fees and what you can do.
We’ll also introduce you to the Wise Account as an alternative service that allows you to manage, send, receive and spend in GBP.
Using Revolut in the UK from Ireland: is it possible?
Your Irish Revolut account will work while you’re in the UK, allowing you to make payments, send and receive money in the local currency, Pounds sterling.¹
Can I use my Irish Revolut card in the UK?
The answer to this question is yes, you can use your Irish Revolut card in the UK.² It works for cash withdrawals and to make purchases both in-person and online.
On top of this, Revolut offers virtual cards for online or in-person spending through a compatible digital wallet, but keep in mind these cannot be used for ATM cash withdrawals.
Is it possible to open a British pound currency with Revolut?
When you open a Revolut account in Ireland, you'll find that multiple currencies are supported for holding. The good news is GBP is one of these, so setting up a Revolut currency in Pounds is straightforward.³
| Read more: Revolut alternatives in Ireland |
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Can you receive British pounds in the Irish Revolut account?
If you're planning to receive British pounds from a UK based account then Revolut can make it a bit easier because as an Irish account holder you have access to both local GBP and EUR account details. Here’s how to find your local GBP details:
- Open the Revolut app and navigate to ‘Home’
- Tap on ‘Accounts’
- Select GBP as your currency
- Look under the current balance and click on ‘Details’
Wise in Ireland offers a similar feature when receiving money but instead of just two currencies, you can get local account details in 9 currencies. The list includes EUR, GBP, USD, and even AUD. This gives you even greater flexibility in managing your money as you travel.
Revolut fees in the UK
When you're withdrawing cash or spending money in the UK the fees can quickly add up, especially if you’re spending on a daily basis. As such, it’s a good practice to ensure you understand the costs associated with using your card outside of Ireland.
Here are the key fees for using your Revolut card in the UK, along with a comparison to the Wise card for some context.
| Transaction type | Revolut card | Wise card |
|---|---|---|
| Card payments | Free up to a certain monthly limit based on your Revolut plan, then an exchange fee applies.⁵
| No transaction fee unless a currency conversion takes place, then a variable fee starting at 0.61% applies. |
| Cash withdrawals | A 1% or 2% fair usage fee after the monthly plan fee-free limit is exceeded.⁶
| Make 2 withdrawals of up to and including 200 EUR each month for free. After that, 0.5 EUR per withdrawal.* There’s a 1,75% fee on any amount you withdraw above 200 EUR. |
* ATM provider networks can charge fees when withdrawing money.
Revolut exchange rate: How does it work?
Being from Ireland, spending in the UK will mean converting Euros to British Pounds, so watching the exchange rate closely is a smart strategy. You want to ensure you're getting the best value for your money, don't you?
Revolut employs a variable exchange rate for their customers, which they state is determined by using data from various sources.⁷ You can check the current rates directly on the Revolut app or website.
By comparison, Wise uses the mid-market exchange rate which is the same rate you usually find on Google. It represents the midpoint between the buy and sell rates in the currency market and Wise refreshes these rates every minute with no hidden fees or markups.
Can I open a Revolut account in the UK?
The United Kingdom is among the supported countries for Revolut so you can open an account based there.⁸
You'll need to meet the eligibility criteria, which includes being a resident of the country where you're signing up. The same case is for opening a Wise Account from the UK, for example.
Wise: A great option for managing money in the UK
With Wise, managing currency exchanges between Euros, British Pounds, and other currencies becomes hassle-free.
A Wise Account allows you to store and convert over 40 different currencies, enabling money transfers to over 160 countries, including the UK, without any hidden fees.
Plus, with a Wise debit card in your wallet, you can spend effortlessly in different countries. When you're in the UK, your card will tap into your GBP, converting other currencies at the real mid-market rate if required. Back in Ireland, it seamlessly shifts to using your Euro, streamlining your financial transactions across borders.
Other benefits of the Wise Account include:
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Sources used:
- Supported currencies for outbound transfers
- Where can I use my Revolut card?
- Supported currencies for holding
- What currency account details are available to me?
- Fees for card payments in a foreign currency
- Fees for cash withdrawals
- Personal Fees (Standard)
- Supported countries where I can sign up for Revolut
Sources last checked on date: 29 January 2025
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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Can you use Revolut in Northern Ireland?
Is it possible to use Revolut in Northern Ireland as an Irish account holder? Read all the info, including the fees you'll need to pay.
