The competetive advantage is services offered to its users: a multitude of options varying from disposable cards to cryptocurrency exchange. The app is considered to be user-friendly with 24 hour customer service available and control over your account and cards. The app allows 25 fiat currencies to be held and an interbank exchange rate is offered for their exchange. The Revolut team is working hard to be ahead of innovation and give their customers value. For instance, recently Revolut announced plans to launch a metal ‘Platinum’ card that will give people 1% cash back in cryptocurrencies and offered free coding classes for women in London.

Competitive Strategy is defined as the long term plan of a particular company in order to gain competitive advantage over its competitors in the industry. It is aimed at creating defensive position in an industry and generating a superior ROI (Return on Investment). Such type of strategies play a very important role when industry is very competitive and consumers are provided with almost similar products. One can take example of mobile phone market.

Manage your moneyOPEN AN ACCOUNT IN MINUTESOpening an account with us takes just minutes, and because we don’t believe in branches, you can set one up directly from your phone.BUILT-IN BUDGETINGWe’ll show you exactly where your money is going each month, and even let you set up monthly budgets for things like restaurants and groceries.STASH AWAY YOUR SPARE CHANGERound up every card payment to the nearest whole number, and we'll stash your spare change away for you to put towards your goals.INSTANT SPENDING NOTIFICATIONSWe’ll send you a notification the second you make a payment with your card, even before the receipt has finished printing.

Travel with easeSPEND ABROADWe don’t believe in financial borders, so it’s only fair that we let you spend abroad in over 150 currencies with the interbank exchange rate, with a small 0.5% fee for anything above €6,000 each month. A flat mark-up on weekends and on certain currencies may apply.WITHDRAW MONEY ABROADAlthough ATM withdrawals cost us money, we give you €200 a month in international ATM withdrawals for free. Anything over €200 attracts a small 2% fee to help us cover our costs.INSURANCE AT THE TOUCH OF A BUTTONFrom your health to your phone, we’ll make sure you and the things you love are protected worldwide from as little as £1.00 per day. Insurance provided by Revolut Travel Ltd.

Send money easilyTRANSFER MONEY GLOBALLYTransfer money abroad in 30 currencies with the interbank exchange rate, with a small 0.5% fee for anything above €6,000 each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair.SEND AND REQUEST MONEY IN SECONDSInstantly send and request money from your friends at the touch of a button, and attach notes, images and GIFs to make things a little more interesting.SET UP RECURRING PAYMENTSWhether you’re paying rent or splitting the bill, set up a recurring payment in under a minute and send money with only a few taps.

Security - the way you want itFREEZE AND UNFREEZE YOUR CARDIf you lose or misplace your card, freeze it within the app and we’ll have a new one sent out to you. If you find it again, just unfreeze your card from the app.CONTROL HOW YOUR CARD WORKSTake control over your account and turn off things like contactless, swipe payments, online payments and ATM withdrawals all from within the app.LOCATION-BASED SECURITYTurn on location-based security and, if your card is used in a different location from where you are, we’ll automatically block any payments and let you know.

Exchange cryptocurrencyGET ACCESS IN SECONDSGoing through crypto exchanges can be time-consuming and complex, so we’ve cut out the fat, to give you access to cryptocurrencies at the touch of a button.CHOOSE FROM 5 CRYPTOCURRENCIESInstantly exchange any of our 30 currencies directly into Bitcoin, Litecoin, Ethereum, Bitcoin Cash and XRP, and all without breaking a sweat.GET REAL-TIME RATES AND ALERTSCheck out our real-time cryptocurrency graphs showing you our current rates, and set up price alerts for when your cryptocurrency hits a certain value.Revolut's cryptocurrency service is not regulated by the FCA

The digital-only banks offer new ways to save money and monitor your expenses while travelling and sending money globally. Prepaid cards tighten up spending abroad.Additionally, Revolut offers the best exchange rates available to customers through their interbank exchange rates . Major banks, exchange bureaus and the post office have hidden markup fees on it — currency conversion and foreign withdrawal fees tend to be 2–5%; therefore, huge savings can be made using digital only banks. Also free ATM withdrawals are offered but with certain limits.Customers might be also attracted by the possible currency gains as you can lock up your currency on the rate available at that day and earn if your holding currency appreciates. (Revolut)New ways of increasing security and building customer trust:Revolut introduces disposable virtual cards which are disabled forever after performing the transaction. As a proof to this security measure, if a website wants to charge you again, the transaction will fail. This new solution is aimed to prevent criminals from using stolen cards or using their details for purchases.An aded feature is standard location based security with a twist: payments are blocked if the app location does not match with the card location.

Monzo Bank offers great flexibility to its customers: Starling is focused on customer spending habits and allows them to impose saving goals and custom security settings: locking your card or restricting actions such as ATM withdrawals, online payments etc. Additionally, Starling’s ‘Marketplace’ supports customers while choosing the best pension, mortgage, and insurance deal from other FinTech companies. Monzo bank has implemented full current accounts with ability to receive a salary, make direct debit payments and banks transfers, open overdraft. Also this app facilitates interaction with other users, making it possible to send and request money even from the person who does not have Monzo account (Monzo.me).

This app-only Startup raised the highest amount of funding (approximately $514 million) compared to other challenger banks. Atom Bank’s CEO, Mark Mullen,,commented that the money raised is sufficient capital to build a substantial bank. In less than two years, this digital bank passed over £900 million in deposits. Although this feat is impressive it comes at the cost $42 million loss: following a $23 million loss made in 2016. This loss resulted came from wages and operating costs for building new products and running a fully operational bank. In order to stay competitive Atom offers interest on savings accounts at best market rates of 1,95% and 2.5%. To add insult to injury, paying out interest alone resulted in net interest loss of $1million.

N26 is based in Berlin and offers similar features as competitors, but has key partnerships that differentiate it. Due to the partnership with Transferwise, N26 supports international transfers into 19 foreign currencies at the mid-market rate. Other benefits include: free five ATM withdrawals each month, travel insurance, purchase protection, extended warranty and protection from mobile phone and ATM theft etc. Although the benefits sound amazing they come at the cost of a premium account:t €5.90/month and the standard mastercard fee is €2.90/month.

Open an account in minutesWe won’t ask you to visit a branch or litter you in paperwork. Opening an account with us only takes a few minutes, and you set one up directly from your phone.

Send money abroadTransfer up to £5,000 abroad with the interbank exchange rate each month, and we only add a small fee of 0.5% for anything above this amount. Premium and Metal customers can send even more money each month without rubbish exchange rates or hidden fees.Set up recurring paymentsWhether you’re paying rent or splitting the bill, set up a recurring payment in seconds and we’ll make sure your money arrives on time.Send and request money in secondsInstantly send and request money from anyone at the touch of a button, and attach notes, images and GIFs to make things a little more interesting.

Meet your financial goals with VaultsVaults are an easy, fast way to put money aside towards your financial goals. Whether you choose to round up every transaction, set up a recurring payment or simply make one-off contributions, you’ll be able to set up a Vault in seconds and immediately start savingRound up your spare changeEvery time you make a purchase with your Revolut card, we’ll automatically round up your transaction to the nearest whole number and place the difference into your Vault.Set up a recurring paymentGetting paid at the end of the month? Set up a weekly or monthly recurring payment and automatically send a specific amount into your Vault.Use cryptocurrencies in your VaultWhen setting up your Vault with spare change activated, you can automatically buy cryptocurrencies with the difference. Think buying a smoothie for £1.50 and then automatically buying £0.50 worth of Bitcoin and storing it in your Vault.Start saving in secondsSetting up a Vault only takes a few seconds. Simply give your Vault a name and tell us how much you'd like to put away, turn on the spare change feature and you’re good to go.Stay on top of your spare changeEvery time you make a round-up transaction we'll send you a push notification letting you know how much you've stashed away, as well as the total amount in your Vault.

Budgeting made easySet a monthly budget on things like restaurants and groceries and take back control of your finances. Set up a budget in seconds and we’ll track your progress in real-time, ensuring you stick to your spending targetsSet a monthly budgetSticking to a budget can feel like hard work, which is why we’ve done everything to make it easier. Just tell us how much you want to spend each month and we’ll work out a daily spending limit you should stick to, to meet your goals.Track your progress in real-timePay with your Revolut card and we’ll update your account balance immediately, so you’ll know exactly how much money you have left to spend. With instant payment notifications, telling you what you’ve spent and where, managing your money will be a breeze.Your spending at a glanceBurning through your salary without a clue where it went? We’ve all been there. With our handy Analytics tab, we categorise your payments into areas like shopping and groceries, updating how much you spend in each area, down to the percent.Stay on top of your spare change with VaultsWe know meeting your financial goals can be hard, we've got the tools you need to make it effortless. Open a Vault and when your salary hits, you can put aside a regular amount, so that holiday, new car, laptop... will be yours that much quicker!

Earn rewards with Revolut PerksRevolut Perks is an easy way to get rewarded for your everyday spending.Generous perks for the things you loveWe work closely with selected partners to secure discounts on stuff you actually want. With Perks, you’ll enjoy money off everything from coffee and pizza, to hotel rooms and cab rides.Restaurants30% offGroceries15% offShopping15% offPay with your Revolut cardWhether you're at home or abroad, pay with your Revolut card for spending without hidden fees. From booking an Uber to buying lunch, each payment you make will get you closer to your next perk.How does it work?Every time you hit your 10th purchase, you’ll receive a cashback or discount offer. Keep an eye on your Perk meter to see how close you are to your next offer.

Exchange cryptocurrencyGoing through crypto exchanges can be time-consuming and complex, so we've cut out the fat. Get access to cryptocurrencies in seconds at the touch of a button.Exchange 5 cryptocurrenciesInstantly exchange any of our 30 currencies directly into Bitcoin, Litecoin, Ethereum, Bitcoin Cash and XRP, and all without breaking a sweat.Get access in secondsOpening an account with us takes just minutes, and because we don’t believe in branches, you can set one up directly from your phone.Get real-time rates and alertsCheck out our real-time cryptocurrency graphs showing you our current rates, and set up price alerts for when your cryptocurrency hits a certain value.Send crypto without any hidden feesTransfer any of our five supported cryptocurrencies to other Revolut users in seconds with no hidden fees.

Protect your phone from £1 a week!Instant, global coverage against all accidental damageProtect your phone from expensive damagesAccidental damage isn’t typically covered by a warranty and it can be really expensive to repair your phone without insurance.CRACKED SCREENIf you break your phone screen — we’ll replace it straight away.£286TOUCHSCREEN MALFUNCTIONYou’re covered if your touchscreen is no longer responsive.£556LIQUID DAMAGEWe’ve got you covered for all types of water damage.£556BATTERY FAILUREWe'll fix your phone if your battery stops retaining it's charge.£25Instant, global protectionAffordable coverage for all types of accidental damage:All drops and breakages damage, including screen damageAll liquid damageAny damage caused by a third partyOut of warranty break downsGet covered in secondsProtect as many devices as you want, in a couple of taps, straight from the Revolut app!

Pay-per-Day Overseas Medical InsuranceRevolut’s Pay-per-Day overseas medical insurance uses geolocation technology so you only get charged for the days that you are actually abroad, with medical and dental coverage from as little as £1.00 per dayProtection for less than the cost of an espressoWhether you choose to Pay-per-Day or opt for our annual policy, we’ve got you covered.Emergency medical & dental treatment while abroadAccess to an extensive network of medical centres across the globeRapid reimbursement paid directly into your Revolut accountAlways get excellent valueFor frequent flyers - you can pay just £30 upfront to get covered for the whole year, or Pay-per-Day until you hit your annual spending cap and your policy will last for the rest of the year!Easily add friends and familyIf you are travelling with friends or family – overseas medical insurance is no problem. You can easily add additional people to your holiday insurance policy directly from the app in seconds!Sign up in secondsWe’ve removed the unnecessary paperwork and created a flow that allows you to sign up in seconds.Powerful geolocation technologyOur powerful geolocation technology can detect whenever you leave and return to your home country and automatically enable and disable your coverage as appropriate - magicFancy travel insurance at no extra cost?Upgrade to Revolut Premium and get travel insurance, exclusive card designs and FX with no hidden fees or rubbish exchange rates.

Revolut with Apple PayThe new, easy way to pay. Add your Revolut card to Apple Pay to make fast, secure payments with your iPhone or Apple Watch.Fast, easy, secure paymentsWhether you’re tapping in on public transport or paying for your lunch on a holiday, you can make fast payments with the devices you carry every day. There’s no need to dig around for your card - just pay with your iPhone or Apple Watch.Add your Revolut card to Apple PayAdding your card to Apple Pay is simple. Open the Revolut app, head to the Cards tab and tap the "Add to Apple Wallet" button. Alternatively, open the Wallet app on your device and tap the + symbol. For Apple Watch, open the Apple Watch app on your IPhone and select ‘Wallet & Apple Pay', then tap 'Add Credit or Debit Card'.Checkout with just a tapForget filling out endless forms and saving your card details online. Checkout at some of your favourite apps and websites with just one tap using Revolut with Apple Pay.

Give easily to causes with DonationsRevolut Donations is a simple way to give to causes that matter to you. Round up your spare change and donate the difference, set up a recurring payment, or give a one-off amount. Give what you want, when you want. No commitments or limits. You’re in controlCharities will receive 100% of donationsUnlike many banks and payment firms, our charity partners will receive one hundred percent of the amount donated by our customers, with no fees attached.Donate your spare changeEvery time you make a payment with your Revolut card, we’ll automatically round up your transaction to the nearest whole number and donate the difference to a charity of your choice.Set up a recurring donationWant to give on a regular basis? Set up daily, weekly or monthly donations for whatever amount you like. We’ll take the donation directly from your Revolut account. Cancel anytime.Make a one-off donationGive a set amount to the charity of your choice, then give again whenever suits you. No clipboards, no chasing you down the street. None of that awkward stuff.

STANDARD£0/mFree UK accountFree Euro IBAN accountSpend in over 150 currencies at the interbank exchange rateExchange in 30 fiat currencies up to £5,000 per month without any hidden feesNo fee ATM withdrawals up to £200 per month

PREMIUM£6.99/mFree UK accountFree Euro IBAN accountSpend in over 150 currencies at the interbank exchange rateExchange in 30 fiat currencies - no monthly limitNo fee ATM withdrawals up to £400 per monthOverseas medical insuranceDelayed baggage & delayed flight insuranceGlobal express deliveryPriority customer supportInstant access to 5 cryptocurrenciesPremium card with exclusive designsDisposable virtual cardsLoungeKey Pass accessGenerous top brand discounts with Perks Plus

£12.99/mFree UK accountFree Euro IBAN accountSpend in over 150 currencies at the interbank exchange rateExchange in 30 fiat currencies - no monthly limitNo fee ATM withdrawals up to £600 per monthOverseas medical insuranceDelayed baggage & delayed flight insuranceGlobal express deliveryPriority customer supportInstant access to 5 cryptocurrenciesExclusive Revolut Metal cardDisposable virtual cardsLoungeKey Pass access0.1% cashback within Europe and 1% outside Europe on all card paymentsGet access to a concierge to help you manage your lifestyle

London, 22 October 2019: Mastercard (MA) and Revolut, today announced a partnership to launch Revolut cards in the U.S. by the end of the year, as part of an expansion of their relationship enabling the issuance of cards in any market around the world where Mastercard is accepted. Mastercard has built a strong partnership with Revolut since its launch in 2015 and participation in the global payments company’s accelerator program, Start Path.Together Mastercard and Revolut have enjoyed great success across Europe providing ground-breaking financial services to consumers, from day-to-day money management to market leading foreign exchange solutions. Today’s announcement confirms the two businesses will partner on a minimum of 50 percent of all existing and future cards Revolut issue in Europe. Beyond Europe, the agreement will also enable Revolut to meet its global reach ambitions. Primary to these ambitions is to offer financial services to consumers in the U.S., and by the end of the year the brands will launch Revolut’s first solutions in the US market. The global expansion will also enable Revolut to reach markets in Asia Pacific and Latin America such as: Australia, Singapore, Japan, New Zealand, Brazil and Mexico.Nik Storonsky, founder and chief executive officer, Revolut, commented, “As a launch partner of Revolut, Mastercard has been an important contributor to our success, and today’s agreement will enable us to meet our ambitious goal of offering innovative financial and payment solutions to people all over the world.” Nik continued, “Launching in the U.S. will be a huge milestone for us, and we are delighted Mastercard will be our go-to-market partner.”Michael Miebach, Chief Product Officer at Mastercard said: “Having partnered with Revolut over the last four years, we are delighted that our relationship continues to grow and meet our collective global ambitions. Revolut’s success and its speed to new markets, such as the US, is welcome proof of our commitment to tailoring support for fintechs. Broadening Revolut’s global reach will enable millions more people around the world to benefit from Mastercard’s worldwide acceptance footprint and Revolut’s ground breaking financial services.”The partnership will also see Revolut onboard some of Mastercard’s latest technology within its product and solutions, to begin with it will leverage Mastercard’s Send platform.In Europe alone, Mastercard is the partner of choice for more than 60 digital banks and fintechs, which has doubled in the last two years, and is testament to our strategy of working with fintech partners from their inception. Mastercard Start Path, which Revolut joined in 2016 as a start-up, is an award-winning program that enables later-stage tech start-ups to rapidly scale through unparalleled access to Mastercard’s technology, solutions expertise and global partnerships.

Visa and Revolut have announced a new agreement that will help Revolut expand its business globally.Leveraging Visa’s brand, scale and global acceptance footprint, Revolut will be able to bring its product offerings to five new regions, reaching 24 new markets for a total of 56 markets globally. Under the terms of the agreement, Revolut will primarily issue Visa-branded cards in the global expansion.Revolut offers consumers a range of digital financial services via a mobile application, including currency exchange, budgeting and person-to-person (P2P) payments, all linked to a Visa card. Building on the success of its existing agreement in Europe, Visa will enable Revolut to launch initially in a multitude of new countries.“We are excited to build upon our existing collaboration with Visa, the world’s leader in digital payments, which will bring to life our shared vision for seamless, innovative payment experiences,” said Nikolay Storonsky, founder and chief executive officer, Revolut.“The new global agreement with Visa is timely for Revolut as we move into a number of new markets to offer even more consumers the control, flexibility and innovative features that our European customers have been benefiting from for years.”“Revolut has made great strides in delivering innovative and unique experiences to consumers in Europe. We are thrilled to extend our relationship as Revolut looks to achieve their global growth ambitions and collectively drive increased volume on the Visa network,” said Jack Forestell, chief product officer, Visa.“With Visa being accepted at nearly 54 million merchant locations across more than 200 countries, we have the scale, experience and expertise to help fintechs like Revolut go global.”Visa and Revolut have built a strong partnership over the last four years. The digital banking alternative first began issuing Visa cards to its customers across Europe in July 2017.Since that time, Revolut has been able to leverage Visa’s global network and capabilities to help drive their rapid global expansion, including issuing Visa-branded cards in every major European market today.

Revolut is one of the red-hot challengers taking on the high street banks in the UK and winning over digital natives around the world. The bank focuses on full app-based services, low fees, and simplicity to promote its “Radically Better Accounts.” Revolut also knows its audience—a generation that is less trusting of sales and marketing and more influenced by opinions and relationships. That’s why the bank actively partners with bloggers, comparison sites, and publishers to share the Revolut message and bring in referrals.At PI Live in London, Revolut’s Lead Business Development Manager Stefan Vukcevic and Impact’s Matt Shepherd spent time with PerformanceIN journalist Mustafa Mirreh discussing how Revolut efficiently manages its partner network using partnership automation.With partnerships the big theme of this year’s conference, the Impact team stayed busy, hosting panel discussions and industry-specific events focused on partnership automation for the performance marketing community.According to Vukcevic, automation technology brings efficiency to everything, from Revolut’s partnership reporting to payments, monitoring partners, messaging, and contracting. It’s also a tool for bringing in new kinds of partners. “For outreach, prospecting, and actually growing your in-house program—it’s a one-stop shop for any real partnership program,” he says. “It allows us to be more creative in terms of the partners we onboard, manage, and nurture.”

Nikolay Nikolayevich Storonsky is a British-Russian entrepreneur and founder and CEO of the digital banking startup Revolut.He was born on the 21 July 1984 (age 35).He had studied for master´s degree physics at Moscow Institute of Physics and Technology.He also completed a separate masters in Economics at New Economics at New Economic School in Moscow.In a former life, Nikolay was a trader with Credit Suisse where he experienced first-hand the astronomical fees applied to foreign exchange transactions. Then there was a lightbulb moment. Fast forward to today, and Nikolay has reinvented the way in which we spend and transfer money abroad.While seting up Revolut they raised around 3.5 milion dollars.Prior to co-founding Revolut, Vlad spent ten years building financial systems at tier one investment banks. Serving as CTO, Vlad has been at the forefront of Revolut’s award-winning technology, building a next generation banking experience.

Digital banking is the digitization (or moving online) of all the traditional banking activities and programs services that were historically were only available to customers when physically inside of a bank branch. This includes activities likeMoney Deposits, Withdrawals, and TransfersChecking/Saving Account ManagementApplying for Financial ProductsLoan ManagementBill PayAccount ServicesConsumer preferences quickly shifted to online and mobile devices, but many financial organizations struggle to adapt their banking experiences to online channels and to the smaller mobile device screens. Unfortunately, banks can no longer afford to wait to invest in digital transformation because customers are increasingly willing to switch banks for digital features such as bill pay, mobile payments and loan applications.In addition, until the past few years, banks were not envisioning the tremendous shift in consumer behavior that occurred as a result of the millennial generation becoming the largest consumers of financial products.Today, more than 70% of consumers report banking online at least once per month, so banks invest in great online experiences.The good news is that according to Deloitte’s 2019 Banking and Capital Markets Outlook, banks are finally starting to prioritize their digital banking efforts to match consumer expectations. 28% of banks cite “create digital capability” as their primary digital technology initiative this year, while “modern legacy systems” came in second with 23%. That’s good news for consumers that over 50% of banks are making their evolution to digital banking their top priorities.

The term Fintech (Financial Technology) refers to software and other modern technologies used by businesses that provide automated and imporved financial services. The fast and innovative progresses such as Mobile Payments changed the way we manage our finances. Tech-savvy customers, especially millenials expect money transfer, lending, loan management and investing to be effortless, secure and scalable, ideally without the assistance of a person or the visit of a bank.Established bank products find themselves increasingly displaced and for both businesses and customers banking has largely become more convenient, efficient and easy of access. In contrast to traditional banks, FinTech startups operate flexible and fast when it comes to implement new services based on changing demands.Hallmark examples of FinTech in our daily life are Mobile Payment apps, Cryptocurrency and Blockchain like Bitcoin and Gemini. In the future the range of FinTech services is predicted to transform the market even more with AI and machine learning and will make FinTech products an integral part of our digitalized life.

FinTech began to flourish in the 1990s when the Internet and e-commerce business models arose and in the following decade banking in most parts was already completly digitalized. The Global Financial Crisis in 2008, in which many poeple lost their trust in traditional banking systems, security and transparency has become more important than ever. This shifting mindset and the technology of cloud computing made it possible to invent new customised solutions and standard procedures such as providing access to banking profile, payment and transfer of money with automatically converted currencies. Due to regulation and high expectations on customers side FinTech companies main goal is to create services and implementations with long-term potential.The primary means by which people access the web and make use of different financial services is the smartphone equipped with mobile banking apps and digital wallets such as Google Wallet and Apple Pay. According to Statista (official German statistic service) the mobile payment market might exceed $1 trillion in 2019.

Customer Centricityis an approach to doing business that focuses on creating a positive experience for the customer by maximizing service and/or product offerings and building relationships.

Revolut for Business is a business account platform for domestic and international payments, designed to save you time and money.Cut unnecessary costsSave on rubbish exchange rates, cross border transfers and other fees. Traditional banks charge you unnecessarily — we will not.Make accounting painlessAccounting is important, but so is your sanity. Take stress out of bookkeeping by eliminating unnecessary bureaucracy and paperwork.Free up time for growthDon't waste time on grinding, repetitive tasks and complex processes. Automate routine work and streamline your workflow.More than 250,000 companies have signed up for Revolut for Business.

The building blocks of a powerful platformAccountsManage an unlimited number of accounts in 28 currenciesPaymentsEasy, automated domestic and international paymentsCorporate cardsFee-free global spending with built in expense managementRoles & PermissionsFull control with flexible user permissions for views and actionsAPI & IntegrationsBuild your own processes or integrate with popular business softwareSecurityYour funds are safeguarded and data is encrypted and secure

Multi-currency accountsto help your business growOpen and manage accounts in 28 currencies, send or receive money locally and internationally without rubbish exchange rates.Global accounts in 28 currencies to help you expandEnjoy easy local transfers and save on hidden fees and rubbish rates when you exchange, transfer or receive money internationally.Manage multiple accounts with easeCreate multiple accounts to keep things like expenses and operational transactions separateManage and track all your accounts and transactions in real time, on a single dashboardSet account permissions to control what team members can see and doMake smarter transfers with local account detailsUnique GBP and EUR account details for all Revolut customers for local paymentsBusinesses registered in Poland and Norway receive local account details in PLN and NOK respectivelySave money by sending funds abroad as local transfers with GBP, EUR, PLN, NOK account detailsSet up a Euro Direct Debit to easily pay subscriptionsGet the most out of unique IBANsGet IBANs in 28 currencies to get paid or send money abroadUnique IBAN for each account you open. Create as many as you needTransparent cross-border transaction feesWork with transactions data easilyExport account statements to CSV and use them on your accounting platform of choiceReady made integrations with accounting platforms such as Xero and FreeAgentStreamline your workflow with our end-to-end expense management toolGenerate historic account balance statements to make life easier for your accountant or auditor

A powerful payment serviceFree up time for more important business needs when you set up recurring, scheduled, bulk payments and payment approval rules.Manage payments the hassle-free wayStaying in control of your business finances has never been easier. See a payments overview with schedule and status information, and execute everything from one place.Save money on local and international transfersSend and receive money in 28 currencies with local and international bank account detailsExchange and transfer money without rubbish exchange rates and hidden feesSave money by sending funds abroad as local transfers with GBP, EUR, PLN, NOK account detailsGet rid of routine work with automated paymentsNo more forgotten or late payments when you set up scheduled payments in your accountSet up repeat payments like bills and subscriptions with recurring paymentsSet up an Euro Direct Debits to easily pay subscriptionsAutomatically notify recipients that you've sent a payment, with estimated pay out dateSave time with bulk paymentsPay multiple invoices or run payroll using bulk paymentsAdd payments manually or create up to 1000 payments using .csv templateMake multi-currency payments to different countries in one batchStay in control of your account with payment approvalAllow team members to raise payments which need to be approvedDefine rules so draft payments can be approved by other team members depending on their assigned rolesSet complex rules like payment amount limits, multiple reviewers, and more

Radically better corporate cardsNo-fuss corporate cards for team members, instant virtual cards for security and flexibility — all set up with our easy expense management.Save money with our multi-currency corporate cardsGlobal spending without the hidden FX fees. Spend money with our physical and virtual cards at the interbank exchange rate in over 150 currencies.Stay in control over your cards and transactionsOrder physical cards for your team and create multiple virtual cards instantlyLink several multi-currency accounts to one card or connect multiple cards to a single accountSet monthly limits and get statements with transactions for each card separatelyEasily track transactions and control cards activity by employees, including automated notifications.Eliminate stress from accounting with expense managementCard holders can upload receipts and choose categories in the mobile app, as well as receive automatic reminders about missing informationAccountants and administrators can instantly review expenses in a live feed and reject or approve themOrganise expenses with categories and tax rates. Import details from Xero or define them manually.Export your expenses as a .csv file to be used on your accounting platform of choiceControl the security of your corporate cardsTemporarily freeze missing cards in your app or web dashboardEnable location-based security to reduce fraudulent transactionsDisable contactless, online or swipe payments when necessary to ensure your card’s safetyToggle the ability to make cash withdrawals from ATMs for extra security

Other features coming soonDisposable virtual cardsMake one-off payments with a virtual card that will automatically terminate itself after useGeographical restrictionsRestrict transactions based on selected countries so spending is only possible during business trips or in your home countryCustom design for cardsCreate cards for your team which reflect the personality and identity of your businessAdvanced spending limitsSet up permanent or temporary card limits per transaction and on daily spend

Roles & PermissionsStay in control when you delegate access and actions to your team members by setting up permissions and roles in your account.Grant access to multiple team membersGrant administrative access to your account and allow it to be managed by more than one person if necessarySet up limited account access for team members according to their role in your businessTailor user roles and permissions for your business needsCreate custom roles for different types of team membersGrant permissions for each role based on what they need to see and doAllow to manage users, accounts, payments and cards settings, as well as other points of controlE.g. you can control the level of the access to each: no access, read-only, and edit rights.Avoid mistakes with payment approvalSet up payment rules and let your team review and approve payments before they’re sentSet up complex payment conditions and nominate multiple reviewers accordinglyFor example, set up a rule so every payment larger than 500EUR needs to be approved by two team members with Accountant roles.

API & IntegrationsIntegrate with apps you already use in just a click or build custom integrations according to your business needs.Connect your apps to simplify work with Revolut ConnectRevolut Connect allows you to connect and integrate in just a click with popular business software that you already use to simplify and streamline your workflow.Streamline your business processes with Open APIOur Open API allows you to seamlessly integrate your Revolut business account into your workflow. Build custom integrations with your software to meet specific needs.

Business account at your fingertipsGet the most out of Revolut for Business anytime, anywhere. Manage accounts, payments, cards, exchanges and transfers directly from your phone.Oversee account balances and transactionsBe aware of your total balance at any time, keep your business under controlGet an overview of all your current active accounts and their corresponding balancesReview in detail all transactions made by yourself or your team membersSend and exchange money without hidden feesEasily exchange money in up to 28 currencies at the interbank exchange rate, all from the palm of your handSend money in just a few taps locally and internationally without hidden fees and rubbish exchange ratesCut unnecessary costs and save money for growth.Make corporate expenses painless for everybodyAllow cardholders to browse their card transaction history and stay on top of their balance and card limitsEasily associate required information including receipts, transaction categories and descriptions with any card transactionAccountants can quickly review all expenses in the web application, in addition to requesting refunds and exporting data to files or Xero

Manage your team’s cards whenever you needQuickly issue cards for any team member and adjust their settings such as currencies and limitsDisable settings like cash withdrawals, contactless, online or swipe payments to ensure card securityManage your team members' card status: terminate, freeze and unfreeze cards if necessaryManage your accountsEasily add new accounts in up to 28 currencies supported by Revolut for BusinessActivate/Deactivate your accounts at any time to stay in control on the goDownload or share your account and transactions statements directly from your phone

A-grade securityWe take the safety and security of your business funds and information seriously. Not only are we an FCA authorised institution, we’ve also built tools to ensure that your business is protected.Relax, your money is safeClient funds are stored in a segregated account held with a tier-1 partner bank (Barclays/Lloyds) and never lent to anyone elseWe’re authorised by the FCA which regulates financial firms providing services to consumers and maintains the integrity of the financial marketsAll of your card transactions are processed and protected by Mastercard, Maestro, or VisaAutomatic anti-fraud systemWe're using machine learning algorithms that analyse cardholders’ behaviour to detect any suspicious transactions. If detected, we’ll freeze your card to protect your moneyOur intelligent system prevents 93 out of 100 fraudulent transactions which results in just 1c per $100 being stolen. That’s 6-8 times more effective than the industry average.Protect you account with 2-factor authenticationStrong security, including two factor authentication on login and critical operations — in line with Payment Service RegulationsWe use email and SMS verifications to protect your business’ funds and sensitive dataControl the security of your corporate cardsTemporarily freeze missing cards in your app or web dashboardEnable location-based security to reduce fraudulent transactionsDisable contactless, online or swipe payments when necessary to ensure your card’s safetyToggle the ability to make cash withdrawals from ATMs for extra securityContact us 24/7We’re here 24/7 to answer any questions of concerns you might have about your account

Perks to help you growCurated partners with offers and discounts to help your business and team grow.