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Choosing the best option for International Money Transfers

International money transfers using Revolut

International money transfers using Revolut make it easy to send money abroad, whether it’s to support family, pay for tuition or manage everyday expenses. Understanding the fees, exchange rates and expected transfer times can help you make smarter decisions and avoid unexpected costs.

At Regency FX, we help clients get the most from their money when sending funds internationally. While Revolut can be convenient for smaller transfers, for larger sums, a specialist currency broker often provides significantly better rates and personal guidance.

This article explains how Revolut works for international transfers and why using a dedicated currency specialist like Regency FX can save you money and stress.

How Revolut Works for International Money Transfers

Revolut is a digital banking app designed for speed and convenience. It allows users to hold multiple currencies and send money abroad with just a few taps. The app supports:

• Standard bank transfers for supported currencies
• SEPA transfers for Euro payments within the EU
• SWIFT transfers for currencies outside the Eurozone

For many people, this is enough for day-to-day transfers. But for large sums, particularly over £50,000, there are limitations including rate fluctuations, transfer caps and potential fees that are not always obvious.

Fees for using Revolut for international money transfers

When making international money transfers using Revolut, you’ll notice that fees vary depending on your plan:

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While these fees may seem low, the hidden cost often comes from the exchange rate applied to your transfer.

At Regency FX, we offer highly competitive rates and minimal fees for high-value transfers, often saving clients thousands of pounds compared to app-based transfers.

Exchange Rates

Revolut previously offered interbank rates for most transfers but this is no longer guaranteed. Now, the rate displayed in the app can include markups for:

• Weekend and public holiday transfers
• Large sums above certain thresholds
• Less common currencies

For smaller amounts, this may not matter but for large transfers, even a tiny difference can be substantial.

At Regency FX, we monitor the market and advise clients on the best time to transfer. For transactions over £50,000, even a 0.5% improvement in the exchange rate can save hundreds or thousands of pounds. Unlike apps, we provide personal guidance and work with clients to maximise value.

Transfer Times

Revolut transfers are generally fast:

• SEPA transfers: Within hours - up to 2 business days.
• Other currencies: Typically 1–3 business days, depending on the recipient’s bank.

Delays can occur with large transfers due to verification checks or additional security measures. Banks or recipients may request further documentation when handling significant sums.

With Regency FX, all transfers are handled personally. We ensure secure and efficient delivery and our team can advise on timing to optimise rates and reduce delays.

When Revolut Works Well

Revolut is ideal for smaller or convenient transfers, especially if you want:

• Quick transfers to friends or family abroad
• Easy access to multiple currencies without visiting a bank
• Transfers under your plan’s monthly limit

However, for large, high-value transfers, the app may not provide the best value. Hidden markups, limits and potential fees can significantly reduce the amount your recipient actually receives.

Why Choose Regency FX

For high-value transfers, Regency FX offers clear advantages:

1. Better exchange rates - we provide rates much closer to the true market rate than most apps or banks
2. Lower fees - we minimise costs and provide transparent pricing
3. Personalised service - each client has an account manager guiding them through every transfer
4. Market monitoring - we advise on the best moment to transfer for optimal value
5. Security - all transfers are processed through segregated accounts following FCA guidelines

Even if you’re just comparing options, getting a quote from Regency FX before using Revolut could save thousands of pounds on a single transfer.

What to Consider for High-Value Transfers

When transferring large sums internationally, it’s important to consider:

• Exchange rate fluctuations: Timing can make a huge difference
• Transfer limits and verification checks: Large sums may be delayed by apps or banks
• Hidden costs: Look beyond advertised rates
• Regulation and security: Ensure your funds are protected

Regency FX handles all of these considerations on your behalf, giving clients peace of mind and maximising the value of their transfers.

Conclusion

While international money transfers using Revolut can be convenient for smaller sums, for high-value transactions such as property purchases, business payments or sending £50,000+ overseas. A specialist currency broker like Regency FX offers far more value.

We combine competitive rates, low fees, personalised service and market expertise to make sure your money goes further. Before making a large transfer with an app or bank, it’s worth speaking to us to see exactly how much you could save.

Get a free quote today and discover how to make international money transfers more efficient, secure and cost-effective.

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