cost
Revolut Business para freelancers EU en 2026
Si Revolut Business gana a los bancos tradicionales para freelancers y SMEs EU en 2026 — calidad del IBAN, facturación, FX, integraciones y los problemas a prever.
Tools we actually use for this
SponsoredTrack the real cost of a city by spending only on Revolut for a week. The app categorises everything in EUR, so your "I think it costs ~€1 400/month" turns into a number. Revolut ↗
If your income is in another currency, use Wise instead of your home bank — at €2 000/month, the saving on FX margins is roughly €60 every transfer. Wise ↗
Once your runway is solid, parking the buffer on a P2P platform (Esketit) at 10-13% beats letting it idle at 0.5% on a current account. Esketit ↗
Frequently asked
- Can EU freelancers use Revolut Business as their main bank?
- Most can. The IBAN is a real one (Lithuanian routing) and accepted by most EU clients and tools. Some institutional clients still prefer a local bank IBAN; have one as a backup if you work with them.
- What about invoicing and accounting integration?
- Revolut Business has built-in invoicing and integrates with most popular accounting tools. For French/Italian SAS and SRL, pair it with a local accounting platform; for solo freelancers it often replaces a separate invoicing tool.
- How is the FX for business?
- Real-rate FX up to a plan cap, plus a small fee above. For most service businesses that bill in EUR with occasional USD or GBP invoices it is competitive. For heavy multi-currency operations, Wise Business still has the edge.
- Are there limits or freezes to worry about?
- Any digital bank can freeze accounts during compliance review. Keep operating funds spread across two providers (Revolut Business plus a local bank or Wise Business) so a freeze does not stop client work.
- Is Revolut Business cheaper than a traditional EU bank?
- On most monthly plans, yes, especially when you account for FX and international transfers. For very small freelancers a free local digital bank can be similar; for anyone billing multi-currency Revolut Business usually wins.
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Sister site · Slate Remote
The remote job, wherever you are
Useful for this trip
Wise
bankingMulti-currency account with real exchange rates. Receive in 40+ currencies.
Revolut
bankingFree EU account with virtual cards. Spend abroad at the real exchange rate.
Qonto
bankingBusiness banking for freelancers and SMEs in France and Europe. 60-100€ welcome bonus.
Esketit
investingP2P lending with 10-13% yields. Diversify part of your nomad savings outside crypto.
Uber
mobility creditsRide-share in every nomad city. 50% off your first 5 rides via this link.
Uber Eats
mobility creditsFood delivery. New users get €10 off their first order.
Multidivisa UE
Gasta fuera al cambio real con Revolut.
Cuenta UE gratuita con tarjetas virtuales, cambio al precio real hasta tu límite mensual, transferencias instantáneas entre usuarios y un desglose de gasto que convierte "creo que costó 1.400 €" en una cifra. La mitad gasto-diario de una pila de dinero nómada.