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Revolut ATM Withdrawal Limits and Fees Explained (2026)
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Revolut’s ATM fees look simple: free up to a monthly limit, then 2%. In practice, people get charged in ways they didn’t expect. On the free plan the limit is two limits (an amount and a count). There’s a minimum fee that turns small withdrawals into expensive ones. And abroad, exchange and weekend fees can be added to the same withdrawal.
This page covers every plan’s allowance, what you pay after it, the daily cap, and how to avoid the fees that stack. All figures were checked against Revolut’s UK fee pages and help centre on 19 October 2026.
Revolut’s free ATM allowance by plan
| Plan (UK) | Monthly price | Free ATM withdrawals per rolling month | Fee after the allowance |
|---|---|---|---|
| Standard | Free | £200 or 5 withdrawals, whichever comes first | 2%, min £1 |
| Plus | £3.99 | £200 | 2%, min £1 |
| Premium | £8.99* | £400 | 2%, min £1 |
| Metal | £16.99* | £800 | 2%, min £1 |
| Ultra | £60 | £2,000 | 2%, min £1 |
*Premium and Metal prices changed on 14 October 2026. New customers pay the new price now and existing customers from 19 December 2026. Sources: Revolut’s cash withdrawal limits and fees help article and the Standard, Plus, Premium, Metal and Ultra fee pages, checked 19 October 2026.
Euro accounts: Revolut’s eurozone help page lists the same allowances in euros (€200 or 5 withdrawals on Standard, €200 on Plus, €400, €800 and €2,000 on the others), with a minimum fee of €1. Other countries have their own figures, so check the fee page for your region in the app.
Three rules that catch people out
1. Standard has a withdrawal count as well as an amount
On the free plan, the allowance runs out at £200 or 5 withdrawals, whichever comes first. Five £20 withdrawals use up the whole allowance with only £100 taken out. The sixth withdrawal is charged even though you’re £100 under the amount limit. Plus and the higher plans have no count limit, only the amount.
What to do: on Standard, take out fewer, larger amounts.
2. The £1 minimum makes small withdrawals expensive
Once you’re past the allowance, the fee is 2% with a minimum of £1 per withdrawal. On a £100 withdrawal that’s £2, which is fine. On a £20 withdrawal, 2% would be 40p, but you pay £1. That’s 5%.
| Withdrawal after the allowance | 2% would be | You pay | Effective cost |
|---|---|---|---|
| £20 | £0.40 | £1.00 | 5% |
| £50 | £1.00 | £1.00 | 2% |
| £100 | £2.00 | £2.00 | 2% |
| £300 | £6.00 | £6.00 | 2% |
The minimum stops mattering at £50 and above.
3. It’s a rolling month, not a calendar month
The allowance resets on the date your plan started, not on the 1st. If you joined on the 18th, it resets on the 18th. Revolut shows your remaining allowance and reset date in the app under Your plan or Your limits. It’s worth checking before a trip.
The £3,000 daily cap
Separately from the free allowance, Revolut limits cash withdrawals to £3,000 (or the equivalent) within 24 hours. Its help centre says this daily limit can’t be increased. Individual ATMs often have lower per-transaction limits of their own, which is why a large withdrawal sometimes has to be split.
Withdrawing abroad: the fees that stack
At an ATM abroad, up to four separate charges can apply to one withdrawal. Revolut only controls the first three:
- Revolut’s ATM fee: 2% (min £1) once you’re past your allowance.
- Exchange fee: only if the withdrawal needs a conversion and you’re over your plan’s monthly exchange limit. That’s £1,000 on Standard (then 1%) and £3,000 on Plus (then 0.5%). Premium and above have no limit.
- Weekend fee: if the conversion happens between Friday 17:00 and Sunday 18:00 New York time, add 1% on Standard or 0.5% on Plus. Our guide to the Revolut weekend fee covers this in detail.
- The ATM operator’s own fee. Many foreign ATMs charge one. It should appear on screen before you confirm, and Revolut’s help centre notes that Revolut’s fees are then charged on the total, operator fee included.
Worked example (Standard plan, UK account). It’s Saturday, you’re in Spain, and you’ve already used your £200 allowance and your £1,000 exchange limit this month. You withdraw the euro equivalent of £100 from a pound balance:
- Revolut ATM fee: 2% = £2
- Exchange fee (over the £1,000 limit): 1% = £1
- Weekend fee: 1% = £1
- Plus whatever the ATM operator charges.
That’s £4 in Revolut fees on £100 (4%). The same withdrawal on a Tuesday, inside your allowance, from euros you already hold costs £0 in Revolut fees.
How to keep Revolut ATM withdrawals free
- Hold the local currency before you withdraw. Exchange on a weekday before your trip. Withdrawing euros from a euro balance avoids the exchange and weekend fees completely.
- Make fewer, larger withdrawals. This matters most on Standard with its 5-withdrawal limit, and it keeps you clear of the £1 minimum.
- Refuse the ATM’s conversion offer. If a foreign ATM offers to charge you in pounds, decline and choose the local currency. This “dynamic currency conversion” uses the ATM operator’s exchange rate instead of Revolut’s, and you can see the operator’s rate on screen to compare before you accept.
- Avoid ATMs that charge their own fee where you can. Revolut can’t waive the operator’s fee.
- Check your allowance before the trip. The reset date in the app tells you how much free cash you have left.
When another card is better for cash
If you take out more cash than your plan allows, compare before paying 2% on everything above it. Wise’s UK card currently gives £250 a month free, then charges 2.69% on the amount above that (Wise card fees, checked 19 October 2026). That fee is higher than Revolut’s 2%, so Wise mainly helps as a second free allowance alongside Revolut’s, not as a replacement. Currensea, which spends from your existing UK bank account, has its own cash allowance, covered in our Currensea review.
Often the cheapest option is to use your free allowance on two cards, then pay by card wherever cash isn’t required.
Bottom line
Revolut’s free ATM allowance is £200 a month on Standard (capped at 5 withdrawals) and £200 / £400 / £800 / £2,000 on Plus, Premium, Metal and Ultra. After that you pay 2% with a £1 minimum, under a £3,000 daily cap that can’t be raised. Abroad, the costs come from conversions: withdraw in a currency you already hold, on a weekday, inside your allowance, and Revolut charges nothing.
Related: Revolut weekend fee: how to avoid it · Is Revolut safe? · Currensea vs Wise vs Revolut · Wise vs Revolut vs N26 for freelancers. For the full picture, see our hub: how to get paid and spend across borders.
Sources: Revolut UK cash withdrawal limits and fees and currency exchange fees and limits help articles; the Standard, Plus, Premium, Metal and Ultra fee pages; Revolut’s eurozone help page; Wise card fees (UK). All checked 19 October 2026. This is general information, not financial advice.