Revolut Business 2026: Welcome Offer for Business Accounts

Revolut Business is one of the fastest business accounts to open. The application is online from the app or web dashboard: registration number, activity details, and the identity of directors and beneficial owners. You receive a local IBAN as soon as the application is submitted, letting you issue invoices immediately. Full KYB (Know Your Business) validation then takes 1-5 business days depending on your structure. Once validated, the account is fully operational: SEPA transfers in and out, issuing physical and virtual Mastercard cards, team expense management, and access to the Revolut Reader if you take face-to-face payments. Everything is managed from one interface, with no branch or phone calls.

The Revolut Business referral varies by period. It is often a free month on a paid plan (Grow or Scale), transaction credits, or extended access to limits usually reserved for higher plans. The main condition: open a new business account via the referral link and activate a paid plan within the window. Existing Revolut Business clients cannot benefit. This is especially useful to test Grow or Scale without committing immediately to monthly fees — you enjoy premium features (unlimited interbank-rate exchange, high transfer limits, advanced team management) during the trial before deciding if the plan fits your real needs.

Revolut Business offers four plans for different company sizes:

All plans include a local IBAN, Mastercard cards and the Revolut Business app. The main difference is the interbank-rate exchange limit: up to €10,000/month on Basic, €50,000 on Grow, and €60,000 on Scale.

Revolut Business's standout strength versus traditional business banks is currency exchange. Plans give access to the interbank rate (the raw rate with no margin), a significant saving for businesses paying foreign suppliers or receiving payments in foreign currencies. For businesses with physical takings, the Revolut Reader (a wireless card terminal) charges 0.8% per transaction — one of the lowest rates on the market, with no monthly subscription. Mastercard cards (physical and virtual) let you control spending per employee, with configurable limits and real-time notifications. Native multi-currency cash management is ideal for e-commerce or agencies working with international clients — something Qonto and Shine do not match on FX.

Revolut Business does not distribute an alphanumeric code to copy and paste. The benefit comes via a referral link — you click, open your account, and the offer activates automatically. In practice the result is the same as what searches call a "Revolut Business promo code": a commercial benefit at opening. "Revolut Business referral", "welcome offer" and "promo code" mean the same opportunity. This page references the current active offer, verified regularly — no need to hunt outdated forums.

Revolut Business excels in specific cases: e-commerce sellers taking multiple currencies and minimising FX fees; agencies and freelancers dealing with foreign clients or suppliers; growing startups wanting team expense management without paperwork; and field teams using the Revolut Reader to take payments on site. It is less suited if you need a business overdraft, a cash-flow loan or a chequebook — these are not offered. For those needs, a traditional business bank or Qonto (which offers some credit lines) may fit better.

Revolut operates via a European banking licence; deposits are guaranteed up to €100,000. Our verdict: Revolut Business is among the references for online business accounts, alongside Qonto and Shine. Strengths: a top-rated app, unbeatable FX, fast opening. Limits: chat-only support (on Basic/Grow) can frustrate during account freezes, a real operational risk if it is your only business account. Ideal as a secondary or primary account for international activity; for a purely local small business, Qonto or Shine offer more accessible day-to-day support.