Revolut vs HSBC — Pricing, Fees & B2B Features Compared (2026)
HSBC provides trade finance, letters of credit, and dedicated relationship managers for large corporate clients — products that Revolut doesn't offer. Revolut Business provides multi-currency accounts, instant FX conversion at 0.4–1%, corporate cards, and expense management — tools HSBC charges premium fees for or doesn't offer in a self-service format. For businesses that need trade finance instruments, HSBC is still necessary. For businesses that primarily need to convert currency and pay international suppliers quickly and cheaply, Revolut saves thousands per year in fees and hidden FX markup.
Revolut offers all-in-one digital banking and FX; HSBC offers branch network and trade services.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Quick comparison
| Feature | Revolut | HSBC | Unicorn Currencies |
|---|---|---|---|
| Currencies | 30+ | Multiple | 35+ |
| FX / Fees | Mid-market + fee (check provider for current pricing) | Typically 2–4% above mid-market for FX (check with bank) | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Free and paid tiers | Account and service fees apply | No monthly fee |
| Settlement | 1–2 business days | 2–5 business days (SWIFT) | Same-Day |
| Local accounts | Multiple currencies | Yes (via branch network) | with a local US bank account |
| Regulation | FCA authorised (UK), various jurisdictions | FCA, global banking licences | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | SMEs wanting all-in-one business banking and FX | Businesses with existing HSBC relationship and complex banking needs | B2B import/export, £1M++ annually |
Verdict
Revolut offers all-in-one digital banking and FX; HSBC offers branch network and trade services.
Frequently asked questions
Can I get better FX than my bank with a B2B specialist?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper than high-street banks — while providing the compliance, security, and dedicated support that banks offer. Unlike consumer platforms, Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Which platform is best for businesses processing £1M+ in annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and a local account with a local US bank account — features that general-purpose platforms typically don't provide.
Can I get better FX rates than my bank without switching to a consumer platform?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper vs traditional US banks — while providing the compliance, security, and dedicated support that banks offer. Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Looking for a B2B alternative to both?
Unicorn Currencies is purpose-built for importers and exporters. Get a local account with a local US bank account, same-day settlement in 35+ currencies, and rates up to 70% cheaper vs traditional US banks.
FINTRAC registered · Bank of Canada RPAA registered.