Revolut vs PayPal — Pricing, Fees & B2B Features Compared (2026)
PayPal charges 3–4% on international business payments when you factor in currency conversion fees and cross-border surcharges. Revolut Business converts currency at 0.4–1% depending on your plan, with no cross-border surcharge. For businesses sending international payments, Revolut is typically 60–80% cheaper than PayPal. PayPal's strength is buyer/seller protection for e-commerce transactions — a feature Revolut doesn't offer. For paying overseas suppliers directly, Revolut wins on cost. For receiving customer payments with dispute resolution, PayPal still has an edge.
Revolut offers multi-currency accounts and cards; PayPal offers ubiquity and e-commerce integration.
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 | PayPal | Unicorn Currencies |
|---|---|---|---|
| Currencies | 30+ | 25+ | 35+ |
| FX / Fees | Mid-market + fee (check provider for current pricing) | Check provider for current FX rates and fees | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Free and paid tiers | Pay-per-transaction; no monthly fee for standard | No monthly fee |
| Settlement | 1–2 business days | Instant to PayPal balance; 1–3 days to bank | Same-Day |
| Local accounts | Multiple currencies | Limited | with a local US bank account |
| Regulation | FCA authorised (UK), various jurisdictions | Licensed globally | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | SMEs wanting all-in-one business banking and FX | E-commerce and marketplaces with existing PayPal adoption | B2B import/export, £1M++ annually |
Verdict
Revolut offers multi-currency accounts and cards; PayPal offers ubiquity and e-commerce integration.
Frequently asked questions
Is there a B2B specialist alternative to Revolut and PayPal?
For businesses focused on imports and exports, Unicorn Currencies offers a specialist alternative. Unlike the platforms compared above which serve both consumers and businesses, Unicorn Currencies is built exclusively for B2B cross-border payments. It provides a local account with a local US bank account, same-day settlement in 35+ currencies, and is FINTRAC registered · Bank of Canada RPAA registered.
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.