In an increasingly digital banking landscape, managing finances through fintech apps like Revolut has become the new norm.
Whether you’re handling everyday transactions or transferring larger sums, knowing how to securely and efficiently move money from your Revolut account to a traditional UK bank account is essential.
This guide explains everything from the step-by-step process to associated fees, timeframes, and potential pitfalls to avoid.
What Is Revolut and How Does It Work for UK Users?
Revolut is a digital banking platform that allows users in the UK to manage money, hold multiple currencies, and make transfers domestically and internationally.
It offers current account features, including a debit card, direct debits, and faster payments. While it is not a traditional high street bank, Revolut provides many of the same functionalities through its mobile-first experience.
For users in the UK, Revolut provides GBP account details which can be used just like a standard bank account.
The app allows transfers to and from other bank accounts, currency exchanges, budgeting tools, and spending analytics. Funds held in GBP are safeguarded in accordance with UK financial regulations.
How Can You Link Your UK Bank Account to Revolut?
To transfer money from Revolut to a bank account, the first step is to link the bank account as a recipient. This process only needs to be completed once for each account.
To link a bank account within the UK, the required details typically include:
- The recipient’s full name
- Sort code
- Account number
For international transfers, additional information is necessary, such as the IBAN and SWIFT/BIC codes.
The linking process is done entirely within the Revolut app. Once in the Payments or Transfers section, users can tap the option to add a new recipient.
After entering the details, the account can be saved for future transfers. The app may request verification or confirmation depending on the amount being transferred or the nature of the recipient account.
How Do You Transfer Money from Revolut to Your Bank Account?
Transferring money from your Revolut account to a linked bank account is a straightforward process, designed for ease of use through the mobile app. Once a recipient account is added, funds can be moved in just a few taps.
How to Initiate a Bank Transfer from Revolut?
To begin, users need to access the Payments or Transfers tab in the Revolut app. From there, either a previously saved recipient can be selected, or a new one can be added.
Steps to initiate a transfer:
- Open the Revolut app and go to the Payments or Transfers section
- Tap the “+ New” button or select an existing recipient
- Choose the currency if sending in anything other than GBP
- Enter the amount to send
- Review the transaction details, including any fees or exchange rates
- Tap Send to complete the transfer
Once the transfer is submitted, it will appear in the app’s recent transactions list, where the status can be monitored.
What Account Details Are Required?
For domestic UK transfers, Revolut requires standard bank account details:
- Full name of the recipient
- Sort code
- Account number
For international transfers, the user will need:
- IBAN (International Bank Account Number)
- SWIFT/BIC code
- Recipient’s bank name and country
Entering correct information is critical to ensure the money reaches the intended recipient without delays.
How to Track Transfer Status in the App?
After a payment is sent, users can track its progress in real time. The Revolut app displays the current status whether it is processing, sent, or completed.
If a transfer is taking longer than expected, the app often provides an estimated arrival time based on the recipient’s bank and destination country. Any issues that arise are usually flagged within this status panel.
Are There Any Fees or Limits for Transferring Money from Revolut?
Fees depend on the type of transfer, the user’s account plan, and whether a currency exchange is involved. Domestic transfers in GBP within the UK are usually free. However, other types of transfers may incur charges or exchange rate markups.
The table below outlines typical fee structures and limits:
| Transfer Type | Cost (Standard Plan) | Notes |
| UK Domestic Transfer (GBP) | Free | Usually instant or same-day via Faster Payments |
| International Transfer (FX) | Varies | Depends on currency and destination |
| Currency Exchange (Mon–Fri) | Free up to £1,000/month | After limit, small fee applies |
| Currency Exchange (Weekend) | 0.5% to 2% markup | Higher cost due to weekend trading margin |
Premium and Metal plans offer higher monthly allowances for free currency exchanges and may include discounted or free international transfers. Users should check their plan-specific allowances in the app.
How Long Does a Revolut Bank Transfer Take in the UK?
Transfer time is influenced by the payment network used, the recipient’s bank, and whether the transaction occurs during business hours.
For GBP domestic transfers within the UK, the time frame is typically:
- Instant or near-instant if the receiving bank supports Faster Payments
- Within the same business day for most standard UK banks
- Delayed if submitted outside working hours or during public holidays
For international transfers, processing can take longer. These may pass through intermediary banks, involve compliance checks, or be subject to regional banking delays. In such cases, the transfer may take between two to five working days.
What Are the Best Practices for a Secure Transfer?
Sending money, whether to your own account or a third party, requires attention to detail to prevent errors or potential security breaches.
Revolut incorporates several safety mechanisms, but users also have a role in ensuring secure transactions.
Double-Check Recipient Information
One of the most common causes of transfer failure or delays is incorrect recipient information. Users should verify:
- Spelling of the recipient’s name
- Accuracy of the sort code and account number (or IBAN/SWIFT for international transfers)
- Correct currency selection for the destination account
A mismatch in any of these fields can result in funds being returned or, in rare cases, lost.
Be Cautious with Currency Conversions
If sending money to an account that uses a different currency from the one held in Revolut, ensure the correct currency is selected before initiating the transfer.
Revolut allows users to exchange currencies within the app, but doing so at the wrong time particularly on weekends may result in higher fees.
The platform applies a markup of 0.5% to 2% during weekends and outside of regular market hours. Users on the free plan should also be aware of the monthly fair usage limit for fee-free currency exchanges.
Use Trusted Networks and Devices
When accessing the Revolut app to send funds, always use a secure internet connection. Avoid transferring money on public Wi-Fi or shared devices. Ensure that app permissions and security settings such as biometric logins or two-factor authentication are enabled.
Understand Revolut’s Transfer Policies
Revolut may place additional checks on large transfers or transfers to new recipients, especially if they involve foreign currencies or high-risk jurisdictions. These checks may include:
- Verification of account identity
- Delays for compliance review
- Temporary holds on funds
Users should consult their plan limits and read Revolut’s terms to understand when these measures might be applied.
Save and Reuse Trusted Recipients
To reduce the chances of manual entry errors, Revolut allows users to save recipient details after the first successful transfer. Reusing these saved profiles makes future transfers quicker and less prone to mistakes.
Can You Transfer Money from Revolut to Someone Else’s Bank Account?
Yes, it is possible to send money from Revolut to another person’s bank account, provided that the sender has the correct details. The recipient does not need to have a Revolut account. The process is the same as transferring to your own account.
Revolut permits third-party transfers within the app, but there are limits to how much can be sent depending on the user’s verification status and subscription tier. Sending money to someone else’s account should only be done if the sender is confident in the accuracy of the recipient’s banking information.
What Should You Do If the Transfer Fails or Delays?
Occasionally, a transfer may not process as expected. This could be due to:
- Incorrect bank account details
- The receiving bank experiencing delays
- Compliance checks or additional security verifications
- Currency conversion issues or unavailable exchange services
If a transfer shows as pending for more than one business day, users can view its status within the app. The app will display whether the payment is being processed, delayed, or cancelled.
In the event of a failed transaction, the funds are typically returned to the Revolut account. Users can also contact customer support through the in-app chat function for assistance. It is advisable to keep a record of the transaction ID and confirmation message when contacting support.
Is It Possible to Automate Transfers from Revolut to Your Bank Account?
Users who want to automate recurring transfers from their Revolut account can use the scheduled payments feature. This is especially useful for regular savings, paying rent, or sending money to family.
To set up a recurring transfer:
- Go to the Payments tab in the app
- Select the desired recipient
- Tap the Schedule or Repeat option
- Set the amount, frequency, and start date
- Confirm the setup
Automated transfers can be edited or cancelled at any time. The app sends notifications before each scheduled transaction, allowing users to ensure sufficient funds are available.
This feature provides flexibility and helps maintain regular financial routines without manual input.
How Does Revolut Compare with Other Transfer Services Like Wise?
When evaluating Revolut alongside dedicated money transfer platforms, it is important to consider both cost and convenience. Wise, for instance, is widely recognised for its transparent international transfer pricing and real-time exchange rates.
The comparison below highlights the differences in key features:
| Feature | Revolut | Wise |
| Domestic Transfers (UK) | Free, usually instant | Free, usually instant |
| International Transfers | Variable fees | Transparent fixed fees |
| Currency Conversion | Free up to a limit | Real-time mid-market rate |
| Weekend FX Fees | Yes (0.5%–2%) | No weekend markup |
| Multi-Currency Wallet | Yes | Yes |
| Automation/Recurring Transfers | Available | Available |
Both platforms support mobile apps, fast transfers, and multi-currency accounts. Revolut is better suited for users who already bank with the app and want to manage all finances in one place. Wise may be the better choice for those who frequently send money abroad and want complete clarity on fees.
Conclusion
Revolut offers a streamlined and mostly free method of transferring money to UK bank accounts, especially for everyday use.
Its easy-to-navigate interface and instant domestic payments make it suitable for most users. However, for international or high-volume transfers, you may want to compare the fees and exchange rates with other services.
If you use Revolut for your daily banking and you’re aware of the conversion fees and transfer limits, it’s a convenient and secure platform for bank transfers.
FAQs About Transferring Money from Revolut to Bank Accounts
Can I transfer money from Revolut to a joint bank account?
Yes, as long as you have the correct account details (name, sort code, and account number), you can send funds to joint accounts in the UK.
Why is my Revolut transfer pending or delayed?
Transfers may be delayed due to incorrect details, security checks, bank holidays, or involvement of intermediary banks for international transactions.
What is the maximum I can transfer from Revolut to a bank account?
Limits vary based on your plan (Standard, Premium, Metal) and account verification status. Large amounts may be subject to additional checks.
Can I reverse a transfer made from Revolut?
If the transfer is still pending, it might be possible. Otherwise, once completed, the only way to recover funds is to request a refund from the recipient or contact your bank for assistance.
Is there a weekend surcharge for currency conversion?
Yes, Revolut applies a markup on currency exchanges made during weekends (typically 0.5–2%).
Can I use Revolut to pay my mortgage or bills through bank transfer?
Yes, you can use Revolut to pay bills or make direct bank transfers as long as the payee’s account details are correctly entered.
Does Revolut support Faster Payments in the UK?
Yes, Revolut supports Faster Payments, enabling near-instant domestic transfers to most UK bank accounts.
