cost
Revolut Business para freelancers UE em 2026
Se o Revolut Business bate bancos tradicionais para freelancers e PMEs UE em 2026 — qualidade do IBAN, faturação, FX, integrações e os problemas a antecipar.
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.
Multimoeda UE
Gasta fora ao câmbio real com a Revolut.
Conta UE gratuita com cartões virtuais, câmbio ao preço real até ao teu plafond mensal, transferências instantâneas entre utilizadores e um resumo de gastos que transforma "acho que custou 1.400 €" num número. A metade gasto-diário de uma stack de dinheiro nómada.