Revolut Pro

Revolut Pro is a business sub-account built into the personal Revolut app, aimed at freelancers, sole traders and side-hustlers. There’s no monthly fee, but you pay a processing fee on every card payment you accept.

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At a glance

Revolut Pro is the product UK sole traders are actually offered, not Revolut Business, which is built for incorporated companies. There’s no subscription fee, but you’ll pay a processing fee of roughly 1-2.8% plus 20p on card payments you accept, and there’s no bank feed integration into accounting software like Xero or QuickBooks.

Free

£120,000

FSCS protection limit, once migrated

No monthly fee

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What is Revolut Pro?

Revolut Pro is a separate sub-account that lives inside the personal Revolut app, rather than a standalone business platform. It’s built for freelancers, sole traders and side-hustlers, giving you a segregated business balance, account number and dedicated debit card without leaving the app you may already use personally. You need an existing Revolut personal account first, on any plan including the free Standard tier, and there’s no extra cost to add Pro on top.

Revolut Business, by contrast, is built for incorporated companies and isn’t generally available to UK sole traders. If you’re a sole trader looking at Revolut, Pro is the product you’ll actually be offered.

Is my money protected with Revolut Pro?

Revolut won a full UK banking licence in March 2026, and Revolut’s own Help Centre confirms that Pro account balances count toward FSCS protection up to £120,000 per person, once your account has completed the move from the older e-money entity (Revolut Ltd) to the new bank entity (Revolut Bank UK Ltd). Revolut has said this migration is happening “as quickly as possible” for existing customers, so it’s worth checking your account status in the app rather than assuming you’re covered. Note that this FSCS limit is shared across all your Revolut balances as one person, including your personal account, not £120,000 per account.

Key features

Payment Links, QR codes and Tap to Pay on iPhone
Revolut Terminal and Payment Gateway
Invoicing, free to create and send
Cashback up to 1% on card spend, capped at £100/month
Multi-currency support across 30+ currencies
Cashflow and sales analytics
Pockets, for setting money aside
No accounting software integrations (Business only)

How much does Revolut Pro cost?

There’s no monthly account fee for Pro itself - you simply pay for whichever personal Revolut plan you’re on (Standard is free; Plus, Premium, Metal and Ultra range from £3.99 to £55 a month for personal perks). Instead, Revolut Pro charges a processing fee on card payments you accept:

Online payments, UK consumer cards: 1% + 20p
Online payments, other cards: up to 2.8% + 20p
In-person card payments: 1.5%
Tap to Pay: 1.7%
A £15 chargeback fee applies if a customer disputes a payment, refunded if the dispute is resolved in your favour

Pros and cons

Pros:

No monthly account fee
FSCS protection up to £120,000, once migrated to Revolut’s bank entity
Card reader, Tap to Pay, QR codes and payment links built in, no separate hardware needed
Cashback on business card spend
Multi-currency support
Quick to set up if you’re already a Revolut personal customer

Cons:

No accounting software integrations, no automatic bank feed into Xero, QuickBooks or FreeAgent
Requires an existing personal Revolut account
Only available to the self-employed, not incorporated companies
Processing fees on every card payment, 1% to 2.8% plus 20p
FSCS protection depends on whether your account has migrated
No overdraft facility, chat-only support
Must move to Business (or another bank) if you incorporate

Who is Revolut Pro best for?

Revolut Pro is worth a look if you want to accept card payments in person or online without paying for separate hardware, and you’re comfortable running your business banking through the same app as your personal account. The trade-off is real: no bank feed into accounting software, and a processing fee on every card payment you take. If keeping your books simple with an automatic feed into Xero, QuickBooks or FreeAgent matters more to you, a dedicated free account like Starling or Tide is likely a better fit.

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Frequently asked questions

Can a UK sole trader open a Revolut Business account instead of Pro?

Generally no. Revolut’s Help Centre lists sole traders as unsupported for Revolut Business, which is built for incorporated companies. UK sole traders are directed to Revolut Pro, a sub-account inside the personal Revolut app.

Is Revolut Pro free?

There’s no monthly fee for Pro itself, though you’re on a personal Revolut plan (free Standard or a paid tier) underneath it. Instead of a subscription, you pay a processing fee of roughly 1-2.8% plus 20p on card payments you accept.

Is my money protected with Revolut Pro?

Since March 2026, Revolut has a full UK banking licence, and Pro balances count toward FSCS protection up to £120,000 once your account has been migrated to the new bank entity. Check your account status in the app to confirm you’re covered.

Does Revolut Pro connect to Xero, QuickBooks or FreeAgent for Making Tax Digital?

No. Revolut’s own comparison of Pro and Business confirms accounting software integrations are a Business-only feature. Pro users need to enter or export transactions manually into their MTD software.

Do I need a business bank account as a sole trader?

No, it’s not a legal requirement - you can trade through a personal account. Revolut Pro is one option for separating business and personal spending without paying for a dedicated business account.

Compare business banking for sole traders

Revolut Pro is one option among several worth comparing. Browse the full Business Banking directory to compare it against Starling, Tide, Monzo Business, Wise and Mettle.

Prices and offers correct at time of publication. Always check the Revolut website for current pricing and promotional terms before signing up.