The basic process: Revolut to your bank in three to five business days
To transfer money from Revolut to your bank account, you initiate a withdrawal from the Revolut app, select your linked bank account as the destination, enter the amount, and confirm. The money leaves Revolut when ready but takes three to five business days to arrive at your bank, depending on your bank's processing speed and whether the transfer happens on a weekday.
Revolut does not charge you for this transfer. Your bank may charge a fee for receiving an incoming wire or ACH transfer, though most do not — check your bank's fee schedule if you are moving a large amount.
The transfer uses your bank's standard incoming payment rails, so from Revolut's perspective it is a standard bank-to-bank payment. The delay is not Revolut's doing; it is how long your bank takes to post money to your account once it receives the instruction.
Key Takeaways
- Open the Revolut app, tap the withdrawal or send money option, and select your bank account from the list of linked destinations.
- Revolut charges no fee for transfers to your own bank account, but your bank may charge a small fee for receiving the transfer.
- Money leaves Revolut the same day you initiate the transfer but takes three to five business days to show in your bank account.
- Weekends and bank holidays add delay — a transfer initiated on Friday may not arrive until Wednesday or Thursday.
- If your bank account is not yet linked to Revolut, you will need to add it first, which requires your account number and routing number.
Linking your bank account to Revolut before your first transfer
Your bank account must be linked in Revolut before you can send money to it. Open the Revolut app, go to Accounts or Cards, and look for an option to add a bank account or external account. You will need your bank's routing number (a nine-digit code) and your account number (usually 10 to 12 digits). Both appear on a check or in your bank's online portal.
Revolut will ask you to confirm the account by sending a small test deposit — usually a few cents — to your bank. Your bank will post this deposit within one to two business days. Once it arrives, you return to Revolut, enter the amount of the deposit, and confirm. This step proves you own the account and prevents you from accidentally sending money to the wrong place.
After confirmation, the account is linked and ready to use. You do not need to repeat this process for future transfers.
How to initiate the transfer in the Revolut app
Open Revolut and look for a Send Money, Withdraw, or Transfer Out button — the exact label varies by app version and your account type. Tap it and select your linked bank account from the list of destinations. If you have only one bank account linked, Revolut may skip this step and show it as the default.
Enter the amount you want to transfer. Revolut will show you the balance you will have left in your Revolut account after the transfer. Confirm the amount and tap Send or Confirm. Revolut will ask you to verify the transfer using your PIN, fingerprint, or face recognition, depending on your security settings.
Once confirmed, the transfer is submitted. Revolut will show a confirmation screen with a reference number. Take a screenshot or note this number — you will need it if you have to contact Revolut about the transfer later.
Why the transfer takes three to five business days
Revolut sends your transfer instruction to the banking network the same day you initiate it. However, your bank does not process incoming transfers when ready. Most banks batch process incoming payments once or twice per day, usually in the early morning. If you send the transfer at 2 p.m. on a Tuesday, your bank may not process it until Wednesday morning, and the money may not post to your account until Wednesday afternoon or Thursday.
Weekends and bank holidays extend this timeline. A transfer sent on Friday afternoon may not be processed until Monday, and may not post until Tuesday or Wednesday. If your bank is closed on a holiday, the delay adds another day.
This is not a Revolut delay — it is how the banking system works. Revolut has no control over how fast your bank processes incoming payments. Some banks are faster than others; if your bank is known for slow processing, budget an extra day.
Checking the status of your transfer
In the Revolut app, go to your activity or transaction history and find the transfer you just sent. Tap it to see the status. Revolut will show Sent or Processing while the transfer is in motion, and Completed once Revolut's part is done. This does not mean the money has arrived at your bank — it means Revolut has sent the instruction.
Once the status shows Completed in Revolut, the transfer is out of Revolut's hands. The delay from that point is your bank's processing time. Check your bank's app or website to see if the money has posted. If three business days have passed and the money has not arrived, contact your bank first — they can tell you whether they received the transfer and why it has not posted.
What to do if the transfer does not arrive
If five business days have passed and the money is not in your bank account, first check your bank's transaction history or pending deposits. Some banks show incoming transfers as pending for a day or two before posting them. If you see it pending, wait — it will post soon.
If you do not see it anywhere, log into Revolut and check the transaction history again. Note the reference number and the exact amount. Then contact your bank's customer service and tell them you sent a transfer from Revolut on a specific date. Provide the reference number. Your bank can trace the transfer and tell you whether it arrived or got stuck in the system.
If your bank says they never received it, contact Revolut with the reference number and ask them to investigate. Revolut can confirm whether the transfer was sent and to which bank account. In rare cases, a transfer can fail silently — Revolut shows it as sent but your bank never receives it. Revolut can resend it or refund you.
Fees and limits on transfers
Revolut charges no fee to transfer money to your own bank account. However, your bank may charge a fee for receiving an incoming transfer, usually between $0 and $15. Most banks do not charge for standard ACH transfers, but some charge for wire transfers or transfers from certain types of accounts. Check your bank's fee schedule or call them before you transfer a large amount.
Revolut does not publish a per-transfer limit, but your account may have daily or monthly limits depending on your account type and verification level. If you are trying to transfer more than a few thousand dollars, check your Revolut account settings or contact Revolut support to confirm the limit. Your bank may also have limits on how much you can receive in a single day.
Frequently Asked Questions
Can I transfer money from Revolut to someone else's bank account?
No. Revolut only allows you to transfer money to bank accounts in your own name. If you want to send money to another person, use Revolut's peer-to-peer transfer feature (if they also have Revolut) or send them money through a different service. You cannot use the bank transfer feature to pay someone else.
What if I linked the wrong bank account?
If you have not yet sent money to the wrong account, you can delete it from your linked accounts and add the correct one. If you already sent money to the wrong account, contact Revolut when ready with the transaction reference number. Revolut may be able to recall the transfer if it has not yet been processed by the receiving bank, but this depends on timing and the receiving bank's policies. The sooner you contact them, the better your chances.
Does Revolut convert currency when I transfer to my bank account?
If your Revolut balance is in a different currency than your bank account, Revolut will convert it at their exchange rate before sending the transfer. You will see the conversion rate and the amount in your bank's currency before you confirm the transfer. This conversion happens automatically and is included in the amount that arrives at your bank.
Can I cancel a transfer after I send it?
If you cancel within a few minutes of sending, Revolut may be able to stop it before it leaves their system. Open the transaction in your activity history and look for a Cancel option. If the transfer has already been sent to your bank (status shows Completed), you cannot cancel it through Revolut. Contact your bank instead and ask them to reject or reverse the incoming transfer, though this is not always possible once they have received it.
Why does my bank show a different amount than what I sent from Revolut?
If you sent money in a currency different from your bank account's currency, Revolut converts it and your bank may explore their own exchange rate on top of that, resulting in a slightly different amount. If you sent the same currency, the amounts should match exactly. If they do not, contact your bank — there may be a fee you were not aware of, or an error in the conversion.