You did the responsible thing. Before signing your business up for Revolut's Scale plan, you googled the price, and review site after review site told you the same number: $119 a month. You budgeted $119 a month. Then the first invoice arrived at $180 — 51% higher than every comparison table promised. Your banking line item is wrong, your forecast is wrong, and you are left wondering whether you misread something or got quietly overcharged.
Neither. The price really is $180 a month on monthly billing, and it has been for a while. The internet is just out of date. This guide lays out the verified 2026 pricing for every Revolut Business plan, reconstructs the real price history from Revolut's own archived fee schedules, runs the break-even math on whether Scale is worth it, and shows you how to track the true cost of your banking stack so a stale quote never blows up your budget again.
The Short Answer: Verified 2026 Scale Pricing
According to Revolut's own US Business fees schedule for the Scale plan, last updated April 30, 2026:
- Monthly billing: $180 per month
- Annual billing: $1,680 per year, which works out to $140 per month
Paying annually instead of monthly saves you $480 a year ($2,160 versus $1,680) — a 22% discount for committing upfront. There is no setup fee, no cancellation fee, and no plan-downgrade fee, so the subscription price is the whole subscription story. The rest of the story is allowances and overages, which we will get to below.
One important note on that "last updated April 30, 2026" date: a new date on a fee schedule does not necessarily mean prices changed. In this case, it did not — which brings us to the rumor worth debunking.
What the April 30, 2026 Update Actually Changed: Almost Nothing
Revolut publishes versioned PDFs of each plan's fee schedule, so you can diff the current terms against the previous version instead of guessing. The April 2026 Scale schedule (version 0.0.10) and its predecessor from June 2025 (version 0.0.9) agree on every number that matters:
- Subscription price: identical ($180 monthly, $1,680 annually)
- Local transfers: identical (1,000 included, then $0.20 each)
- International transfers: identical (25 included, then $5.00 each)
- No-fee FX allowance: identical ($80,000, then 0.6% markup)
- Weekend FX fee: identical (1.0% outside market hours)
- Card limits, ATM limits, wire fees: identical
The only detectable change is a sentence of terms text in the "Pay All Transfer Fees" paragraph. If your bill went up recently, the April 2026 update is not the culprit. The real increase happened earlier — and it was smaller than the rumor says.
The Real Price History, With Receipts
Using archived copies of Revolut's own US fee schedule, here is how the Scale plan actually evolved:
| Era | Monthly price | No-fee FX allowance | Team members | Notable limits |
|---|---|---|---|---|
| December 2023 | $149.99 | $50,000 | 100 ($5 per extra user) | 2 physical cards per member, 20 virtual cards per month |
| May 2024 | $149.99 | $50,000 | Unlimited | Same transfer allowances |
| June 2025 | $180.00 | $80,000 | Unlimited | 3 physical cards per member, 200 virtual cards per member |
| April 2026 | $180.00 | $80,000 | Unlimited | No changes |
Two conclusions fall out of this table. First, the genuine price increase — $149.99 to $180, about 20% — landed sometime between May 2024 and June 2025, and it came paired with a meaningful upgrade: the no-fee FX allowance jumped 60%, from $50,000 to $80,000 a month. Second, nothing about the price or allowances has moved since at least June 2025.
So where does the "$119" figure come from — the number that makes the current price look like a 50% ambush? It appears on multiple third-party comparison roundups published as recently as 2026, but it appears on none of Revolut's archived US fee schedules. It is most likely a stale quote from an earlier era (or a different region's pricing wearing a dollar sign) that affiliate sites copied from each other long after it expired. The lesson generalizes beyond Revolut: for any fintech pricing decision, verify against the provider's legal fee pages — usually buried under "Terms" or "Legal" at the bottom of the site — not against roundups that earn a commission when you click through.
What $180 a Month Gets You: The Full 2026 Plan Lineup
Scale only makes sense in context, so here is the complete current US lineup, all verified against Revolut's April 2026 fee schedules:
| Basic | Grow | Scale | |
|---|---|---|---|
| Monthly billing | $10 | $50 | $180 |
| Annual billing | None offered | $480 ($40/month) | $1,680 ($140/month) |
| Local transfers included | 10 | 100 | 1,000 |
| International transfers included | 0 | 5 | 25 |
| No-fee FX allowance | $1,000 | $20,000 | $80,000 |
Overage pricing is the same across all three plans: $0.20 per extra local transfer, $5.00 per extra international transfer, and a 0.6% markup on foreign exchange above your allowance. All plans include unlimited team members, unlimited Revolut-to-Revolut payments, 3 physical cards per member, 200 virtual cards per member, and a $3,750 daily ATM limit.
A few fees that surprise owners regardless of plan:
- Weekend FX markup: 1.0%. Currency converted outside market hours — Friday 5:00 PM to Sunday 6:00 PM Eastern — carries a 1% fee on top of everything else. On a $40,000 weekend conversion, that is $400: more than two months of Scale. Time large conversions for market hours.
- Domestic wires: $10 flat, each direction, on Scale. (Wire pricing varies by plan, so check the schedule for your tier.)
- ATM withdrawals: up to 2% of the withdrawal value, plus whatever the ATM owner charges. Revolut is not a cash-heavy business account; treat ATM use as an emergency exit, not a routine one.
- Paper statements: $8 each. Turn them off.
Also note that Basic is no longer the free starter tier longtime users remember — it now costs $10 a month with no annual option. Every tier of the lineup repriced upward over the last two years (third-party roundups still show the old lineup at roughly $0/$30/$119), so if you last comparison-shopped Revolut in 2024, all of your numbers are wrong.
Is Scale Worth It? Run the Break-Even Math
Scale costs $130 a month more than Grow on monthly billing ($180 versus $50), or $100 a month more on annual billing ($140 versus $40 effective). The question is whether you would burn more than that in overages on Grow. Two scenarios make the decision concrete.
Scenario 1: the FX-heavy importer. You convert $50,000 a month and send 15 international transfers. On Grow, you would pay $50 for the plan, plus 10 extra international transfers at $5 each ($50), plus the FX overage on $30,000 above your $20,000 allowance at 0.6% ($180). Total: $280 a month. On Scale at the annual rate, you pay $140 and everything fits inside your allowances. Scale wins by $140 a month — it pays for itself and then some.
Scenario 2: the domestic agency with one overseas contractor. You convert $8,000 a month and send 3 international transfers. Everything fits inside Grow's allowances, so you pay $50 a month (or $40 on annual billing). Scale would cost you an extra $100–130 a month for allowances you never touch.
The rough rule: if your monthly FX volume sits comfortably under $20,000 and you send 5 or fewer international transfers, Grow wins. Once you regularly exceed either threshold, price out your actual overages — the 0.6% FX markup above the allowance is usually what tips the scales, since just $22,000 of monthly overage FX ($132 in markup) plus a handful of extra transfers erases Grow's price advantage.
Two tactical notes. First, switching plans mid-billing-cycle restarts your subscription and resets allowances immediately, so time a downgrade for early in your cycle rather than right after a heavy-usage week. Second, downgrading costs nothing — there is no downgrade fee — so there is little risk in dropping to Grow for a quarter to measure your real usage, then deciding with data instead of anxiety.
If the Price Stings: Downgrade or Switch?
If Scale's math does not work for you, you have two moves: drop a tier, or leave for a provider with a different pricing philosophy. A quick tour of the 2026 alternatives:
- Wise Business charges no monthly fee at all — just a one-time setup fee for local account details (around €50/£45 depending on region) — and converts currency at the mid-market rate plus a transparent variable fee starting around 0.33–0.43% depending on the currency pair. For low-volume FX users, that undercuts any Revolut subscription. At high volumes, though, paying a percentage on every dollar loses to Scale's $80,000 fee-free allowance: 0.4% on $80,000 is $320 a month in conversion fees with no cap.
- Airwallex also runs its core business account with no opening or monthly fee, charging roughly 0.5–1% on FX depending on currency plus $15–25 per SWIFT transfer. It is a strong fit for e-commerce sellers holding balances in many currencies, but its per-transaction FX pricing has the same high-volume weakness as Wise's.
- Mercury keeps its core business checking free (paid tiers run $35/month for Plus and $350/month for Pro as of late 2026) and is beloved by startups for domestic banking, but it is USD-centric: non-USD wires and international card spend carry fees, so an FX-heavy business will feel it.
The pattern: subscription-free providers win when your international volume is small or spiky; Revolut Scale wins when your volume is large and steady enough to fill its allowances. The most expensive option is the one you do not measure — pick the model that matches your actual transfer and FX volume, not the one with the most appealing headline price.
Track the True Cost of Your Banking Stack
Here is the bookkeeping angle most owners miss: the subscription is usually the smallest part of what a fintech account costs you. The real bill is the subscription plus overage fees plus weekend FX markups plus wire fees — and most businesses book all of it as one monthly blob labeled "bank fees," which makes it impossible to see which behavior is actually expensive.
Split the costs instead. Record the subscription as a fixed software/banking expense, and record overages, FX markups, and wire fees separately — ideally with the FX-related costs in their own account so a quarterly review shows exactly how much currency conversion is costing you. That separation is what turns "banking feels expensive" into "we paid $210 in weekend FX markups last quarter by converting on Fridays, and moving conversions to Thursdays eliminates it." If you keep your books in plain text, dedicated accounts such as Expenses:Bank-Fees:Revolut and Expenses:FX-Fees plus a dashboard view in Fava make this review a five-minute job; the docs walk through setting up that kind of account structure.
Then put a recurring calendar reminder — quarterly is plenty — to compare your actual transfer counts and FX volume against your plan's allowances. Plans reprice, allowances shift, and your business volume drifts; the tier that was optimal last year may be quietly overcharging you this year. Ten minutes with your own numbers beats ten affiliate roundups every time.
Keep Your Banking Costs Visible From Day One
A $180 subscription that fits your volume is cheap; a $50 subscription you constantly overflow is expensive. The difference is only visible if your records separate fixed banking costs from usage-driven ones. Beancount.io provides plain-text accounting that gives you complete transparency and control over your financial data — no black boxes, no vendor lock-in. Get started for free and see why developers and finance professionals are switching to plain-text accounting.
