Revolut Singapore Fees 2026: Standard vs Premium vs Metal (Full Cost Breakdown)
Table of Contents
Quick Navigation
- What Is Revolut, and Is It MAS-Regulated?
- Revolut Singapore Plans 2026: Standard vs Premium vs Metal
- Currency Exchange Fees: How Much Markup Do You Pay?
- ATM Withdrawal Fees & Limits
- Other Fees: Card Delivery, Crypto & Stock Trading
- Which Revolut Plan Should You Choose?
- Revolut vs YouTrip vs Wise: Quick Comparison
- Referral Codes to Save More on Travel Money
- Frequently Asked Questions
Revolut Singapore’s Standard plan is completely free, with 0% FX markup on up to S$5,000 of currency exchange a month (1% beyond that, or on weekend trades). Premium (S$10.99/month) raises your fee-free limit to S$15,000 and removes weekend fees. Metal (S$21.99/month) gives unlimited fee-free exchange, higher ATM limits, and 1.5% cashback. Revolut is regulated by MAS as a Major Payment Institution.
Not financial advice. All figures are for educational reference only, verified against Revolut’s official Singapore pricing pages. Data verified as at 1 August 2026 — always check the Revolut app for the latest fee schedule before you rely on any number here.
- Standard is free — 0% FX fee up to S$5,000/month, then 1%
- Premium (S$10.99/mo) triples your fee-free limit to S$15,000 and kills weekend fees
- Metal (S$21.99/mo) gives unlimited fee-free exchange, S$1,050/month free ATM withdrawals, and 1.5% cashback
What Is Revolut, and Is It MAS-Regulated?
Revolut is a UK-founded fintech that offers a multi-currency account, debit card, and investing platform. In Singapore, it operates through two locally registered entities, so you’re not dealing with an offshore app when you sign up.
- Revolut Technologies Singapore Pte. Ltd. holds a Major Payment Institution licence (PS20200326) from the Monetary Authority of Singapore, covering e-money issuance, domestic and cross-border transfers, and digital payment token services.
- Revolut Securities Singapore Pte. Ltd. is separately regulated as a Capital Markets Services licensee for the stock and commodities trading features in the app.
That said, Revolut is not a bank in Singapore — your funds are held in segregated accounts with partner banks under MAS safeguarding rules, not covered by the Singapore Deposit Insurance Corporation (SDIC) scheme the way a bank deposit would be. This is standard for e-money institutions like YouTrip and Wise too, not a Revolut-specific weakness.
For the full hands-on experience — sign-up flow, app walkthrough, and our overall verdict — read our full Revolut Singapore review. This guide focuses purely on what Revolut actually costs you.
Source: MAS eServices institution register, verified August 2026.
Revolut Singapore Plans 2026: Standard vs Premium vs Metal
Revolut Singapore runs three personal plans. You can start on Standard for free and upgrade later — nothing is locked in.
| Feature | Standard | Premium | Metal |
|---|---|---|---|
| Monthly cost | S$0 | S$10.99 | S$21.99 |
| Fee-free FX exchange | S$5,000/mo | S$15,000/mo | Unlimited |
| Fee once over the limit | 1% | 0.5% | None |
| Weekend FX fee | 1% | None | None |
| Free overseas ATM/mo | S$350 (or 5 w/d) | S$700 | S$1,050 |
| Card delivery | S$4.99 | Free express | Free express |
| Cashback on card spend | — | — | 1.5% |
Source: Revolut Singapore official pricing plans page, verified August 2026.
Currency Exchange Fees: How Much Markup Do You Actually Pay?
Revolut tracks the interbank exchange rate closely during market hours. However, “fee-free” only applies up to your plan’s monthly limit — this is called the fair usage limit, and it resets every rolling month.
Here’s a real scenario. Say you’re a Singapore-based freelancer paid in USD, and you convert S$8,000 worth of USD to SGD in a single month:
- On Standard: your first S$5,000 is fee-free, but the remaining S$3,000 is charged at 1% — that’s S$30 in fees.
- On Premium: your entire S$8,000 falls under the S$15,000 fee-free limit — S$0 in fees, but you’re paying S$10.99/month regardless.
- On Metal: no limit applies at all — S$0 in fees.
For someone converting this much every month, Premium’s S$10.99 fee pays for itself compared to Standard’s S$30 overage charge. For an occasional traveller exchanging S$1,000–2,000 a few times a year, Standard’s free plan is hard to beat.
Weekend and After-Hours Fees
There’s a second fee that catches people out: Standard users pay an additional 1% fee on any exchange made outside market hours — defined as between Friday 5pm and Sunday 6pm, New York time (which covers most of Saturday and Sunday in Singapore time). Premium and Metal users never pay this fee, any day of the week.
If you regularly top up or exchange currency over the weekend — say, before a Monday morning flight — this 1% weekend surcharge on Standard can add up. It’s one of the more overlooked reasons frequent travellers upgrade to Premium.
| Plan | Fee-Free Limit | Over-Limit Fee | Weekend Fee |
|---|---|---|---|
| Standard | S$5,000/mo | 1% | 1% |
| Premium | S$15,000/mo | 0.5% | None |
| Metal | Unlimited | None | None |
Source: Revolut Singapore Help Centre — currency exchange fees and limits, verified August 2026. Note: MAS Notice PSN01 caps any single exchange transaction at S$20,000, regardless of plan.
ATM Withdrawal Fees & Limits
Revolut isn’t meant for withdrawing cash in Singapore itself — these limits apply to overseas ATM withdrawals, which is what most Singapore travellers actually use it for.
Each plan gives you a free monthly withdrawal allowance. Go over it, and Revolut charges 2% of the withdrawal amount, or S$1.49, whichever is higher — on top of any fee the ATM operator itself charges.
Here’s what that looks like in practice. If you’re backpacking through Japan on Standard and withdraw S$500 in cash from a Tokyo ATM after already using your free S$350 allowance for the month, you’d be charged 2% on the withdrawal — roughly S$10, plus whatever the local ATM operator adds. Not painful, but worth knowing before you land.
For someone who withdraws cash regularly overseas — backpackers, long-stay travellers, or people visiting family abroad — Metal’s S$1,050 free monthly allowance is three times Standard’s limit, which can matter more than the FX markup difference itself.
Other Fees: Card Delivery, Crypto & Stock Trading
Beyond FX and ATM fees, a few other charges are worth knowing if you plan to use Revolut for more than everyday spending.
| Fee Type | Standard | Premium / Metal |
|---|---|---|
| Physical card delivery | S$4.99 | Free express |
| Crypto exchange fee | 1.49% | 0.99% |
| Stock trading commission | Flat US$0.99 per trade, all plans | |
| Commodities trading | 0.99% (min S$1.49) | 0.49% (min S$1.49) |
Source: Revolut Singapore official pricing plans page and trading fees disclosure, verified August 2026.
If you’re mainly using Revolut as a travel card and not touching the crypto or stock trading features, these fees are largely irrelevant to your decision — focus on the FX and ATM numbers above instead.
Which Revolut Plan Should You Choose?
There’s no universally “best” plan — it depends on how much you exchange and how often you travel. Here’s a quick guide based on real usage patterns.
Choose Standard if you…
- Exchange less than S$5,000 a month in foreign currency
- Travel occasionally — a few trips a year, not monthly
- Mainly want a fee-free card for overseas card payments, not heavy cash withdrawals
Choose Premium if you…
- Regularly exchange between S$5,000–S$15,000 a month (freelancers, remote workers paid in foreign currency)
- Often convert money on weekends and want to avoid the 1% Standard surcharge
- Withdraw cash overseas frequently and want the higher S$700 free ATM limit
Choose Metal if you…
- Exchange large sums regularly — property purchases, business income, or investment transfers
- Travel very frequently and want the highest ATM allowance plus travel insurance
- Spend enough on your card that 1.5% cashback offsets the S$21.99 monthly fee (roughly S$1,470/month in spend to break even)
However you decide, you can downgrade or upgrade your plan directly in the Revolut app at any time — there’s no lock-in contract.
Revolut vs YouTrip vs Wise: Quick Comparison
Revolut isn’t the only free multi-currency option for Singapore. Here’s how the free tiers stack up against YouTrip and Wise.
| Feature | Revolut Standard | YouTrip | Wise Card |
|---|---|---|---|
| Monthly/annual fee | S$0 | S$0 | S$0 |
| Fee-free FX limit | S$5,000/mo | No stated cap | Mid-market, no monthly cap |
| Weekend FX fee | 1% | None | None |
| Free ATM/mo | S$350 | 2 withdrawals | 2 withdrawals (under S$350) |
Source: Revolut, YouTrip and Wise official Singapore fee pages, verified August 2026.
Revolut’s edge is its investing features (stocks, commodities, crypto) bundled into the same app — something YouTrip and Wise don’t offer. YouTrip’s edge is simplicity and no weekend surcharge on its free tier. For a full head-to-head, see our Revolut vs YouTrip comparison or our Wise Singapore review. For a broader shortlist, check our roundup of the best travel cards in Singapore.
Referral Codes to Save More on Travel Money
Whichever card you land on, it’s worth stacking a few referral bonuses while you’re setting up your travel money stack:
| Platform | Referral Code | Notes |
|---|---|---|
| YouTrip | See referral page | Sign up via our YouTrip referral page for the latest bonus |
| YouTrip Biz | YOUygWAHwmo | For SMEs and sole proprietors |
| Google Pay | d10dl1s | Google Pay Singapore |
| Trust Bank | HTWYQP95 | Good no-fee complement to a travel card |
| GXS Bank | YONG477 | Digital full bank, SDIC-insured |
Referral rewards subject to each platform’s terms and may change. The Kopi Notes may earn a referral fee.
If you’re already thinking about optimising every dollar on fees, the same discipline applies to your savings — try our Singapore retirement planning calculator to see what small, consistent monthly savings could grow into over 20–30 years.
Frequently Asked Questions — Revolut Singapore Fees
Is Revolut free to use in Singapore?
How much does Revolut Premium cost, and is it worth it?
What is the Revolut Metal plan and who is it for?
Does Revolut charge a fee for ATM withdrawals overseas?
Is Revolut regulated by MAS?
Is Revolut better than YouTrip or Wise for Singapore travellers?
Can I downgrade or cancel a Revolut paid plan anytime?
The Bottom Line
Revolut Standard costs nothing and covers most casual travellers comfortably within its S$5,000 monthly fee-free limit. Upgrade to Premium or Metal only once your exchange volume, weekend usage, or ATM withdrawals make the math work in your favour — run your own numbers against the tables above before you subscribe.
Not financial advice. Fees and limits are set by Revolut and may change — always confirm current rates in the Revolut app before relying on any figure in this article.
This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
