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Revolut Business Review

Revolut Business is the commercial arm of Revolut, one of Europe's largest fintech companies, offering multi-currency business accounts, international payments, expense management, and access to credit products for UK businesses. Founded in 2015, Revolut has grown to serve over 45 million personal and business customers globally, with over 500,000 business accounts in the UK alone. While Revolut obtained a UK banking licence in 2024 (via Revolut Bank Ltd), business accounts in the UK are still issued under its FCA e-money authorisation.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£0 – £500k

Rates

N/A – N/A

Business loans and credit lines offered via Revolut Business — rates vary by product and creditworthiness; typically 1.5%–3% per month on credit lines

Speed

Business account: same day. Credit products: typically within 48 hours

Trustpilot

4.3/5

155,000 reviews

What is Revolut Business?

Revolut Business (Revolut Ltd) is a UK-based business finance provider founded in 2015 and headquartered in London. Revolut Business is the commercial arm of Revolut, one of Europe's largest fintech companies, offering multi-currency business accounts, international payments, expense management, and access to credit products for UK businesses. Founded in 2015, Revolut has grown to serve over 45 million personal and business customers globally, with over 500,000 business accounts in the UK alone. While Revolut obtained a UK banking licence in 2024 (via Revolut Bank Ltd), business accounts in the UK are still issued under its FCA e-money authorisation. They have lent Not publicly disclosed to date, helping 500,000+ business accounts globally UK businesses.

Founded 2015 London Revolut Ltd is authorised by the Financial Conduct Authority as an e-money institution (FRN: 900562). Revolut Bank Ltd (for personal banking deposits in the UK) is authorised by the Prudential Regulation Authority (FRN: 1001568)

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Products offered

Business Bank Account

Rates and costs

Rate range
N/A – N/A (Business loans and credit lines offered via Revolut Business — rates vary by product and creditworthiness; typically 1.5%–3% per month on credit lines)
Representative APR
Business credit line: approximately 36%–72% APR depending on creditworthiness
Amount range
£0 – £500,000
Approval speed
Business account: same day. Credit products: typically within 48 hours

Representative example

Borrow £15,000 over 12 months. Total repayable: £19,800. Cost of credit: £4,800. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
6+ months of Revolut Business account activity typically required for credit products
Minimum turnover
No minimum for business account; credit products require demonstrated revenue
Credit requirements
Revolut's business current account is accessible to most UK businesses without a credit check. Credit line and lending products require a business and personal credit assessment. Revolut primarily relies on account activity and payment data from your Revolut Business account when assessing credit applications, meaning established Revolut account holders have an advantage.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including Revolut Business

4

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Pros and cons

Pros

  • Multi-currency accounts in 30+ currencies with interbank exchange rates — ideal for businesses with international payments
  • Very large global user base and brand recognition — integrates with many third-party tools via API
  • Revolut's Trustpilot score of 4.3 is based on over 150,000 reviews — the highest review volume of any lender in this comparison
  • Advanced expense management, team card controls, and real-time analytics via a polished app interface
  • Free plan available with core account features; paid plans unlock higher limits and additional features

Cons

  • UK business accounts are e-money accounts (not full bank accounts) — deposits are safeguarded but not FSCS protected under the current structure
  • Credit products require established Revolut Business account history, making it difficult for new sign-ups to access immediately
  • Customer service has historically been criticised for slow response times, especially for account freezes related to AML/compliance checks
  • Monthly fees for paid plans (£19–£79/month) can add up for small businesses that do not maximise all features
  • International payment fees and conversion costs can be higher than competitors for some transaction types on free plans

Is Revolut Business right for you?

Best for

Businesses with significant international payment needs — importers, exporters, e-commerce sellers, and digital agencies working with overseas clients. Also excellent for businesses wanting a single platform for multi-currency payments, expense management, and team card controls. Well suited to tech-forward businesses comfortable with app-only banking.

Not ideal for

Businesses requiring FSCS-protected deposits, those wanting face-to-face banking support, cash-heavy businesses, or those that need reliable customer service for complex issues. Also not ideal as a primary lending relationship — Revolut's credit products are limited compared to dedicated business loan providers.

Revolut Business alternatives

If Revolut Business isn't the right fit, consider these alternatives:

Starling Bank Tide iwoca

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Frequently asked questions about Revolut Business

Is Revolut Business legit?
Yes, Revolut Business is a legitimate and FCA-regulated financial services platform. Revolut Ltd is authorised by the Financial Conduct Authority as an e-money institution (FRN: 900562) and serves over 45 million personal and business customers globally. Founded in 2015, it received a UK banking licence in 2024 (Revolut Bank Ltd, FRN: 1001568), further cementing its credibility. Its Trustpilot score of 4.3 from over 155,000 reviews is the largest review base of any fintech in the UK.
What are Revolut Business interest rates?
Revolut Business credit lines typically charge a monthly rate of 1.5%–3% on the outstanding balance, equating to an APR of approximately 36%–72% depending on your creditworthiness and business profile. Business loan rates vary — Revolut has periodically offered fixed-term loans with lower rates for qualifying accounts. As an account-first product, Revolut's credit pricing rewards businesses with strong, active account history.
Can I get Revolut Business with bad credit?
You can open a Revolut Business account without a credit check — the account is accessible to most UK-registered businesses. Credit products such as Revolut's credit line or business loan do require a credit assessment, and businesses with significant adverse credit history may not qualify. Revolut places particular emphasis on your account transaction history, so businesses that have used Revolut Business for some time before applying for credit are in a stronger position.
How much can I borrow from Revolut Business?
Revolut Business credit lines and loan products vary in size, but are generally available up to around £500,000 for qualifying businesses. Credit line limits are linked to your Revolut account activity and business revenue. For the majority of small businesses, initial credit limits tend to be between £5,000 and £50,000, increasing over time as account activity grows.
Is Revolut Business FCA regulated?
Yes. Revolut Ltd is authorised by the FCA as an e-money institution (FRN: 900562). For UK business accounts, this means customer funds are safeguarded in accordance with FCA e-money rules — held in segregated accounts with regulated financial institutions — but are not FSCS protected as with a full bank. Revolut Bank Ltd (FRN: 1001568) is also authorised by the PRA under its new UK banking licence, which applies to personal banking deposits.
How long does Revolut Business take to approve?
Revolut Business account applications are typically processed within 1–2 business days following digital KYC verification. For credit products, decisions usually take 24–48 hours for complete applications from established account holders. New account holders may need to build account history before becoming eligible for credit products.
Can I repay Revolut Business early?
Yes, Revolut Business credit lines and loans can be repaid early without penalty. For the revolving credit line product, you can repay any amount at any time and redraw as needed — interest is only charged on the outstanding balance. For fixed-term business loans, Revolut allows early settlement, and because interest is charged daily on the outstanding amount, early repayment reduces your total cost.
Revolut Business vs Starling — which is better?
Revolut Business is better for businesses with significant international or multi-currency payment needs — its FX rates and global reach are unmatched in the neobank space. Starling is better for UK-focused businesses that prioritise full banking protection: Starling holds a full UK banking licence with FSCS deposit protection, while Revolut Business remains an e-money account without FSCS coverage. Starling's customer service ratings are higher for business account holders, and its feature set for UK-only SMEs is more comprehensive. For international payments, choose Revolut; for UK banking with deposit protection, choose Starling.

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