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Revolut vs TransferGo for International Transfers: Which Costs Less for Your Corridor
Executive Summary
Revolut and TransferGo both offer competitive international transfer rates versus banks, but with different pricing structures. Revolut offers mid-market rate conversion up to plan-dependent monthly limits, then applies a markup above that limit or at weekends. TransferGo applies a flat fee plus exchange rate margin structure. For users within Revolut's free allowance, Revolut typically wins. Beyond the allowance or for weekend transfers, TransferGo or specialist alternatives may cost less. PayinGlobal compares 100+ providers live and free, showing the real cost comparison before every transfer.
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In-Depth Market Analysis
How Revolut and TransferGo Price International Transfers
Revolut offers currency exchange at the mid-market rate within monthly limits that vary by subscription plan. Free plan users receive a monthly allowance of currency exchange at mid-market before a 0.5% to 1% markup applies. Premium and Metal plan subscribers have higher or unlimited mid-market exchange. Revolut also applies a 1% markup on all currency exchanges at weekends when FX markets are closed. Transfer fees for sending money internationally from a Revolut account vary by destination and plan.
TransferGo charges a flat transfer fee plus an exchange rate margin above mid-market on international transfers. The exchange rate margin varies by corridor. TransferGo's total cost typically ranges from 0.5% to 2.5% depending on the corridor and transfer amount. Unlike Revolut, TransferGo does not apply a weekend premium or have plan-based limits on exchange rates.
Revolut vs TransferGo Cost Comparison on $500
Within Revolut free plan mid-market allowance, weekday: Total cost $0 to $5 (mid-market rate, variable send fee). Revolut after mid-market allowance or weekend: Total cost $8 to $18 (0.5% to 1% markup plus send fee). TransferGo standard transfer: Total cost $5 to $15 (flat fee plus exchange margin). Best rate via PayinGlobal: Total cost $3 to $12 (0.3% to 0.9% markup plus low fee). Revolut within its free mid-market allowance on a weekday is highly competitive. Outside that allowance or at weekends, it becomes comparable to or more expensive than TransferGo and specialist alternatives.
When TransferGo May Be the Better Choice Over Revolut
TransferGo has advantages over Revolut in predictable pricing — there are no plan-tier variables, no monthly allowance limits, and no weekend surcharges. For users who do not hold a paid Revolut subscription and regularly exceed the free mid-market allowance, or who frequently need weekend transfers, TransferGo's consistent pricing structure can produce lower total costs.
TransferGo also offers competitive rates on Central and Eastern European corridors that Revolut may not price as tightly, having built specific banking infrastructure for EUR to PLN, EUR to UAH, EUR to RON, and similar routes.
Why Neither May Be the Cheapest Option for Your Transfer
Both Revolut and TransferGo represent meaningful improvements over bank wire transfers. But 100+ providers compete on international transfer corridors, and the cheapest option changes with market conditions and provider pricing. PayinGlobal compares live rates from Revolut-equivalent and TransferGo-equivalent services alongside 100+ other providers across 180+ currency pairs. The comparison is free, requires no account, and takes under 60 seconds to show the exact recipient amount from every provider for your transfer.
Revolut's mid-market rate within the free plan allowance is genuinely one of the better deals in the market on weekdays. Outside that window — after the allowance, at weekends, or for less common currency pairs — a live comparison frequently surfaces a cheaper alternative.
Disclosure
PayinGlobal is an independent FX comparison platform and does not provide money transfer services, hold user funds, or constitute financial advice. All rates and cost figures shown are illustrative estimates based on typical provider markup ranges and are subject to change without notice. Always verify costs with the provider before initiating any transfer.
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