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Revolut does not charge a fee to top up your account via bank transfer. However, it is important to watch out for third-party fees:
Topping up from a UK bank in GBP is free. If your transfer is in EUR or CHF and your bank is using SEPA (Single Euro Payments Area) then a transfer to Revolut will cost the same as a domestic transfer. SEPA includes the 28 E.U. member states as well as Switzerland, Norway, Iceland, Liechtenstein, Monaco and San Marino. *If your transfer is in PLN, USD or any other currency then it will likely be sent via SWIFT. This means that your bank (and/or an intermediary bank) could charge you an international transfer fee.
With SWIFT transfers there are a few things to bear in mind:
Your bank is likely to charge a fee to make a SWIFT transfer to Revolut.
When your money is in transit, it may be processed by an intermediary bank. They may also deduct a handling fee.
The amount you receive in your Revolut account therefore may be less money than you sent.
Depending on which fee option (SHA, BEN, OUR, REM) you choose while doing a SWIFT transfer to Revolut, intermediary, originating bank and beneficiary bank (namely Lloyds) can apply a handling fee for that transfer.
As banks charge different amounts and are not always transparent, we cannot provide an accurate amount you would be charged.
If your top up is in a currency other than EUR, USD, GBP, PLN, CHF, SEK, NOK, DKK, RON, AUD, NZD, SGD, HKD, ILS, TRY, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB or ZAR your bank will convert the money using their exchange rate. This is unlikely to be the interbank rate, and you may also incur a currency-conversion fee.