What are Revolut fees in India for receiving international payments in 2026?
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Short answer
Revolut India publishes no fee for receiving payments from foreign clients.12 Its INR wallet receives money by UPI only.2 Its India terms prohibit business use of the account.1 Revolut says receiving a UPI transfer is free.2 Adding money costs 0.30% plus GST by debit card.3 The first physical card costs ₹199 plus GST.3
| Fee type | Amount | When it applies |
|---|---|---|
| Receiving from a foreign client | No route or fee published12 | Not applicable; business use is prohibited1 |
| Receiving by UPI | Free2 | Indian sender pays by UPI2 |
| Add money by debit card | 0.30% plus GST3 | Topping up the INR wallet3 |
| Add money by credit card | 1.63% plus GST3 | Topping up the INR wallet3 |
| Add money by netbanking | 1.28% plus GST3 | Topping up the INR wallet3 |
| First physical card | ₹199 plus GST3 | Ordering a physical card on the Standard plan3 |
1,000 USD = ₹94,243 at the reference rate for 13 November 2026 (European Central Bank data).
Estimated rupees received, on published fees
Sorted by estimated rupees received, highest first. Only providers that publish both their fee and their conversion markup for this currency and method can be estimated.
| # | Provider and route | Best for | Fee (+GST) | Markup | You receive | Cost |
|---|---|---|---|---|---|---|
| 1 | Karbon BusinessLowest estimated costBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹942plus GST, rate not stated | 0% | ₹93,131 to ₹93,301 | 1.00 to 1.18% |
| 2 | RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,000plus GST, rate not stated | 0% | ₹93,063 to ₹93,243 | 1.06 to 1.25% |
| 3 | WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,435 | 0% | ₹92,809 | 1.52% |
| 4 | SkydoPayment link (InstaLinks) paid by ACH debit | Local bank transfers from major markets | ₹1,885plus GST, rate not stated | 0% | ₹92,019 to ₹92,358 | 2.00 to 2.36% |
| 5 | PayoneerLocal bank transfer to Payoneer receiving account details | Marketplace payouts such as Amazon or Upwork | ₹0no GST stated | 1 to 4% | ₹90,473 to ₹93,301 | 1.00 to 4.00% |
| 6 | PayPalInternational commercial transaction received into a PayPal account (PayPal checkout or invoice) | Clients paying by card or PayPal balance | ₹4,175no GST stated | 3 to 4% | ₹86,465 to ₹87,366 | 7.30 to 8.25% |
Not estimated because pricing is not fully published: Cashfree Payments, Dodo Payments, PingPong, Stripe, Tazapay, TransFi, Wise.
Where a provider says GST applies to its fee but not at what rate, the range runs from no GST to 18%, the rate Skydo, Stripe and Winvesta state on their pages. Estimates use each provider's published fee, conversion markup, GST on fees and FIRA charge, checked 2026-10-28, against the reference rate. They exclude charges taken by intermediary banks and your own bank, and the rate a provider actually applies at the time of conversion. Check the provider's pricing page before you choose. The order is calculated only from these published numbers; no provider can pay to change its position, and there are no affiliate links.
Revolut India runs a personal INR wallet, and its terms prohibit business use.1 There is therefore no Revolut India fee schedule for receiving export payments. This page sets out what Revolut does publish for its India wallet, as of October 2026, so that freelancers, consultants and agencies comparing options can see what applies and what does not. For the reasons in full, see the Revolut review.
What are Revolut fees at a glance?
Revolut fees at a glance are free UPI receiving, percentage fees for adding money by card or netbanking, and card and ATM fees, with no published fee for receiving from foreign clients.123
| Receiving method | Revolut India | Best for |
|---|---|---|
| Local account details abroad (USD, GBP, EUR) | Not offered in India1 | Not applicable |
| SWIFT transfer from a foreign client | No published route; NEFT, IMPS and RTGS into the INR account are not supported2 | Not applicable |
| UPI from an Indian sender | Free2 | Personal transfers within India |
| Card payment from a client | Not offered1 | Not applicable |
Revolut India does not publish a fee for receiving international payments, because it publishes no way for a foreign client to pay into a Revolut India account.12
How does Revolut charge Indian users?
Revolut charges Indian users for adding money, ordering cards and ATM withdrawals on its personal INR wallet, and charges nothing for receiving by UPI.23
- Transaction fee: None for receiving by UPI.2
- FX markup: No inward conversion rate published; the wallet can only be used for payments in Indian rupees.1
- Withdrawal fee: "Unload Fees" are listed as free on the Standard plan for the INR wallet.3
- Fixed fee: ₹199 plus GST for the first physical card and each replacement.3
Revolut Business is not open to companies registered in India, so no business account fee applies.5
What does Revolut charge by payment method?
Revolut charges by payment method only for adding money to your own wallet; it offers no way for a client to pay you by card.13
| Item (Standard plan) | Fee Revolut publishes | Best for |
|---|---|---|
| Add money by debit card | 0.30% plus GST3 | Topping up from a debit card |
| Add money by credit card | 1.63% plus GST3 | Topping up from a credit card |
| Add money by netbanking | 1.28% plus GST3 | Topping up from a bank account |
| Add money by UPI | 0%3 | Topping up at no fee |
| ATM withdrawal | 2% of the amount or ₹150, whichever is lower, plus GST3 | Cash withdrawals |
| Point of sale payments | Free3 | Card spending |
These fees relate to your own spending and top-ups.3
What is the Revolut currency conversion fee and FX markup?
Revolut India publishes no inward conversion fee or FX markup, because its India terms say the PPI wallet can only be used for payments in Indian rupees.1
- Affiliated services: The terms say foreign currency services, such as forex cards, may be offered through affiliated entities.1
- Forex card: The multi-currency card fee page covers loading, ATM and unloading fees for a forex card offered by Revolut Forex India Private Limited, not receiving from abroad.4
For example, a consultant paid in USD has no Revolut India rate to compare, because the wallet holds and receives INR only.12
What are Revolut withdrawal and settlement fees?
Revolut lists "Unload Fees" as free on the Standard plan for the INR wallet.3
- INR wallet unload: Free on the Standard plan.3
- Multi-currency forex card unload: 2% of the amount plus GST.4
- Settlement of export receipts: Not applicable; no receiving route exists.12
The forex card's unload fee applies to that separate product only.4
Is GST charged on Revolut fees?
Yes, GST is charged on Revolut India fees: the Standard plan fee page lists its card, top-up and ATM fees "plus GST".3
- Top-ups: 0.30%, 1.63% or 1.28% plus GST, by method.3
- Cards: ₹199 plus GST for a physical card.3
- Forex card unload: 2% plus GST.4
No GST applies to receiving by UPI, because Revolut charges no fee for it.2
How much INR do you receive on $2,000, $5,000 and $10,000 with Revolut?
The INR you receive with Revolut on $2,000, $5,000 and $10,000 cannot be estimated, because Revolut India offers no receiving service for exports.12 The table below lists no estimate for Revolut for that reason.
None of these providers publishes both a fee and a conversion markup for USD.
Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.
What hidden or one-off charges does Revolut apply?
Revolut's one-off charges on the India Standard plan are card and ATM fees.3
- Card replacement: ₹199 plus GST for each replacement; delivery charges are shown in the app.3
- ATM: 2% of the amount or ₹150, whichever is lower, plus GST.3
- Currency holding: Not available; the wallet can only be used for payments in Indian rupees.1
- Other plans: Plus, Premium and Metal plans have their own fee pages.3
Revolut does not publish any route for a foreign client to pay into a Revolut India account, a FIRA, FIRC or purpose code process, or any business account for Indian-registered entities.125
How can you reduce Revolut fees?
You can reduce Revolut India fees mainly by adding money by UPI, which Revolut lists at 0%, instead of by card or netbanking.3
- Top up by UPI: 0% compares with 0.30% to 1.63% plus GST for cards and netbanking.3
- Use virtual cards: Virtual cards are free.3
- Pay at point of sale: Point of sale payments are free, while ATM withdrawals carry a fee.3
For example, a writer topping up the wallet from a credit card pays 1.63% plus GST, while the same top-up by UPI costs nothing.3 For receiving export payments, use a provider that offers a receiving route.
How do Revolut fees compare with other platforms?
Revolut fees compare with other platforms as shown below, sorted by estimated cost on a USD 5,000 receipt on published fees, cheapest first; Revolut follows because it offers no receiving route for Indian exporters.12
| Platform | Estimated cost on USD 5,000 | Best for |
|---|---|---|
| Skydo | 0.68%678 | Local bank transfers from major markets9 |
| Razorpay | 1.00 to 1.18%1011 | Local transfers from the US, UK and eurozone12 |
| Karbon Business | 1.00 to 1.18%1314 | US bank transfers and marketplace payouts13 |
| Winvesta | 1.24%1516 | Local transfers with a published per-payment fee1517 |
| Revolut | Not estimated: no receiving route for Indian exporters12 | Personal spending, not export receipts13 |
| Platform | Best for | INR on USD 2,000 | INR on USD 5,000 | INR on USD 10,000 | Cost on USD 5,000 |
|---|---|---|---|---|---|
| SkydoMost INRTransfer to Skydo local account details or international SWIFT account | Local bank transfers from major markets | ₹1,86,373 | ₹4,67,991 | ₹9,39,206 | 0.68% |
| Karbon BusinessBank transfer to a Karbon virtual USD account | US bank transfers and marketplace payouts | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| RazorpayMoneySaver Export Account: bank transfer to virtual account details (Standard plan) | Local transfers from the US, UK and eurozone | ₹1,86,262 to ₹1,86,601 | ₹4,65,655 to ₹4,66,503 | ₹9,31,311 to ₹9,33,007 | 1.00 to 1.18% |
| WinvestaGlobal Collections Account, standard plan (up to 2,000 a month per currency) | Local transfers with a published per-payment fee | ₹1,85,951 | ₹4,65,377 | ₹9,31,088 | 1.24% |
Ranked by INR received on USD 5,000. Reference rate: European Central Bank data for 13 November 2026. Fees, conversion markup, GST on fees and FIRA charges as published by each provider, checked 28 October 2026. Ranges appear where a provider publishes a range or does not state its GST rate. Intermediary bank charges are excluded. See the methodology.
For more options in the same order, see Revolut alternatives, or use the international payment fee calculator.
How did we verify this?
We checked this page against the sources below on 30 October 2026. Provider fees, conversion markups and RBI payment aggregator (PA-CB) status were checked on 28 October 2026. Rupee amounts use European Central Bank reference rates for 13 November 2026. Read our methodology or report an error.
- [1]Revolut India, Personal terms, effective 19 November 2025, sections 2, 4 and 20 (checked 28 October 2026)
- [2]Revolut India Help, How to transfer funds to Revolut (checked 28 October 2026)
- [3]Revolut India, Personal fees (Standard), from the week of 24 November 2025 (checked 28 October 2026)
- [4]Revolut India, Multi-currency cards fees, from the week of 8 June 2026 (checked 28 October 2026)
- [5]Revolut Business Help, Eligible countries and territories for Revolut Business (checked 28 October 2026)
- [6]Skydo FAQ, How much does Skydo charge? (checked 2026-10-28)
- [7]Skydo, Home page (checked 2026-10-28)
- [8]Skydo, Terms of use (checked 2026-10-28)
- [9]Skydo FAQs, What countries can I get paid locally through Skydo? (checked 2026-10-28)
- [10]Razorpay, MoneySaver Export Account (international bank transfers) (checked 2026-10-28)
- [11]Razorpay, Pricing (checked 2026-10-28)
- [12]Razorpay Docs, International Bank Transfer (MoneySaver Export Account) (checked 2026-10-28)
- [13]Karbon Business, Karbon for Freelancers (checked 2026-10-28)
- [14]Karbon, PayPal alternative (checked 2026-10-28)
- [15]Winvesta FAQs, What are the charges for the global collections account? (checked 2026-10-28)
- [16]Winvesta, Multi-currency account (checked 2026-10-28)
- [17]Winvesta FAQs, What currencies are available with local accounts? (checked 2026-10-28)
Frequently asked questions
Can I convert USD client payments to INR in Revolut India?+
No. Revolut's India terms say the PPI (prepaid payment instrument) wallet can only be used for payments in Indian rupees, and Revolut publishes no inward conversion rate. The terms say foreign currency services, such as forex cards, may be offered through affiliated entities, which do not cover receiving client payments.14
Is there a monthly fee for Revolut India?+
The Standard plan has no subscription fee. Revolut also lists Plus, Premium and Metal plans, each with its own fee page. Virtual cards are free on the Standard plan, while the first physical card and each replacement cost ₹199 plus GST, with delivery charges shown in the app.3
Does Revolut India charge for a FIRA?+
Revolut's India pages do not mention a FIRA or FIRC, so no fee is published. Because the INR wallet receives money by UPI only and the terms prohibit business use, Revolut India offers no FIRA, FIRC or purpose code process for export receipts from foreign clients.12
Can an Indian company open a Revolut Business account?+
No. Revolut Business is not available to companies registered in India, according to Revolut's list of eligible countries and territories for Revolut Business. That means no business account fee applies, and an Indian company cannot use Revolut Business account details to receive payments from foreign clients.5
What does Revolut India charge for ATM withdrawals?+
On the Standard plan, Revolut lists ATM withdrawals at 2% of the amount or ₹150, whichever is lower, plus GST. Point of sale payments with the card are free. These fees relate to spending your own INR balance, not to receiving money from foreign clients.3
Which bank transfers can the Revolut India account receive?+
Revolut says the INR account receives money by UPI only. NEFT, IMPS and RTGS transfers into the INR account are not supported, and there is no published route for a SWIFT transfer from a foreign client. Revolut says it does not charge fees for receiving by UPI.2
This page is general information for Indian service exporters, not tax or legal advice. Rules change and outcomes depend on your facts, so confirm with a chartered accountant before acting.
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