Yes, you can transfer money from Revolut to your bank account
Revolut lets you move money out to any bank account you own in the same country. The transfer goes through your bank's standard payment network — usually ACH in the US, SEPA in Europe, or the local equivalent elsewhere. Revolut does not hold the money; it passes your instruction to your bank, which processes it like any other incoming transfer.
The process takes 1 to 3 business days in most cases, though some banks are slower. You will need your own bank account details (routing number and account number in the US, IBAN elsewhere) and to confirm the transfer in the Revolut app. There is no fee from Revolut for this, though your receiving bank may charge you one — check your bank's incoming transfer policy first.
Key Takeaways
- Revolut transfers money to your bank account through standard payment networks, not through Revolut's own system, so the speed depends partly on your bank.
- You need your bank account number and routing number (in the US) or IBAN (in Europe) to set up the transfer, and you must own the receiving account.
- Most transfers land within 1 to 3 business days; weekends and bank holidays add time.
- Revolut charges no fee, but your receiving bank may charge an incoming wire or transfer fee — contact them before you transfer large amounts.
- You can only transfer to accounts in your own name; Revolut will not let you send money to someone else's bank account.
How to set up a transfer in the Revolut app
Open Revolut and tap the send or transfer button (the exact label varies by app version). Select "Bank Transfer" or "Send Money" and choose the currency you want to send. Revolut will show you the exchange rate if you are converting currencies.
Enter your bank account details: in the US, your routing number and account number; in Europe, your IBAN; in other countries, whatever your bank requires. Double-check these numbers — if you enter them wrong, the money may go to the wrong account or bounce back. Revolut will ask you to confirm the account holder name matches your Revolut account name.
Enter the amount, review the details one more time, and confirm. Revolut will send the instruction to your bank immediately, but your bank controls when the money actually arrives in your account. You will see the transaction in your Revolut history right away, marked as pending.
Why the transfer takes 1 to 3 business days
Revolut does not move the money itself. Instead, it sends an instruction to your bank through ACH (in the US), SEPA (in Europe), or another payment network. Your bank then processes that instruction on its own schedule. Most banks process ACH transfers overnight, but some batch them and process once per day, which adds a day.
Weekends and bank holidays pause the clock. A transfer you send on Friday afternoon may not arrive until Tuesday or Wednesday. If your bank is closed on a holiday, the transfer waits until the next business day. Some banks also hold incoming transfers for a day or two before releasing the funds, even after the transfer has technically arrived.
If a transfer does not arrive within 4 business days, contact Revolut support with your transaction ID (visible in the app). Revolut can confirm the transfer was sent and ask your bank to trace it. Your bank can then tell you where the money is stuck.
Fees and exchange rates
Revolut charges you nothing to transfer money to your bank account. The cost, if any, comes from your receiving bank. Many banks charge $0 to $15 for incoming ACH transfers, though most do not charge for standard transfers. Wire transfers (a faster but separate service) often cost $15 to $30 at the receiving bank.
If you are transferring money in a currency different from your bank account's currency, Revolut will convert it. Revolut's exchange rates are usually close to the mid-market rate (the rate banks use with each other), but Revolut adds a small markup — typically 0.5% to 1.5% depending on the currency pair and your account type. You will see the exact rate and any markup before you confirm the transfer.
Your bank may also charge a currency conversion fee on top of Revolut's rate if the money arrives in a different currency than your account is denominated in. Check with your bank about this before you transfer.
What happens if the transfer fails or goes to the wrong account
If you enter your bank details wrong, the transfer may bounce back to Revolut within 1 to 5 business days. Revolut will credit the money back to your Revolut account automatically. You will see a notification in the app when this happens.
If the money goes to someone else's account because you entered the wrong number, recovery is harder. Your bank and Revolut can both try to trace the transfer and ask the receiving bank to return it, but there is no may provide. This is why Revolut asks you to confirm the account holder name — it is your last chance to catch a mistake.
If you suspect fraud or an error, contact Revolut support immediately with your transaction ID. Revolut can see exactly where the transfer was sent and can work with your bank to investigate. Do the same with your bank — tell them the transfer went to the wrong place and ask them to initiate a trace.
Transferring to accounts in other people's names
Revolut will not let you send money to a bank account that is not in your name. This is a regulatory requirement, not a Revolut choice — banks are required to verify that the person sending money and the person receiving it are who they say they are.
If you need to send money to someone else, use a peer-to-peer transfer service like Venmo, PayPal, or Square Cash if you are both in the US, or a service like Wise if you are sending internationally. These services let you send to another person's account or email address. Alternatively, ask the other person to send you their Revolut username or phone number and use Revolut's peer transfer feature to send money directly between Revolut accounts — this is instant and free.
Limits on how much you can transfer
Revolut sets daily and monthly limits on how much you can transfer to your bank account. These limits vary by account type and your verification level. A standard Revolut account typically allows transfers up to your daily spending limit (often $5,000 to $10,000 per day) and higher monthly limits.
If you hit a limit, you can either wait until the next day or contact Revolut support to request a higher limit. Revolut may ask you to verify your identity or provide proof of the funds before raising your limit. Your bank may also have its own limits on incoming transfers — check your account settings or call your bank to confirm.
Frequently Asked Questions
How long does it really take for money to show up in my bank account?
Most transfers arrive within 1 to 3 business days. If you send on a Friday, expect it Monday to Wednesday. Some banks are slower and may take up to 5 business days. Check your bank's incoming transfer policy or call them to ask how long ACH transfers typically take.
Can I transfer money from Revolut to someone else's bank account?
No. Revolut requires the receiving account to be in your name. If you need to send money to someone else, use Revolut's peer transfer feature (instant, between Revolut users) or a service like Venmo, PayPal, or Wise.
What if my bank charges a fee for incoming transfers?
Revolut charges nothing, but your bank may charge $0 to $15 for incoming ACH transfers. Contact your bank before you transfer to find out. If your bank charges a fee, the money will still arrive — the fee will be deducted from what lands in your account.
Can I cancel a transfer after I send it?
Once you confirm a transfer in the Revolut app, it is sent immediately to your bank. You cannot cancel it through Revolut. Contact Revolut support right away if you need to stop it, but they may not be able to recall it if your bank has already processed it. The sooner you contact them, the better your chances.
What if the transfer goes to the wrong account?
Contact Revolut support and your bank immediately with your transaction ID. Both can trace the transfer and ask the receiving bank to return the money, but recovery is not may provide. This is why confirming your account details before you send is critical.