If you already use Revolut for your personal money and you have started invoicing clients on the side, you have probably wondered whether you can keep all of that under one roof. Revolut Pro is the account built for exactly that situation: a business profile for self employed people that lives inside the same app you already open every day.
I have spent time digging through how Revolut Pro actually works, what it costs, and where its limits sit, and there is one development that reframes the whole account.
Revolut is no longer just an e money app holding your cash in a safeguarded account. It is now a fully licensed bank in the UK, with deposit protection that did not exist when most older reviews of this account were written. That single change matters more than any feature on the list, so I will cover it properly rather than burying it at the bottom.
Here is the short version before the detail: Revolut Pro is a strong pick if you are a European freelancer or sole trader already inside the Revolut ecosystem and you want a clean separation between business and personal money. It is not the right tool for an incorporated company, a growing team, or anyone tempted to tap the Pro card for personal spending.
Quick verdict: A free, genuinely useful business account for solo workers that now sits inside a licensed bank. Best for freelancers and sole traders who value simplicity and tight integration with a personal Revolut account. Companies with staff, or anyone needing multiple users, should look at Revolut Business instead.
Revolut Pro at a glance
| Feature | What you get |
|---|---|
| Who it is for | Self employed individuals: freelancers, sole traders, contractors, side hustlers (not incorporated companies) |
| Cost to open and hold | Free |
| Account fees | Mirror your existing Revolut Personal plan |
| Access | Inside the standard Revolut retail app, alongside your Personal account |
| Get paid via | Invoices, payment links, QR codes, Tap to Pay on iPhone, Revolut Terminal |
| Card cashback | 0.4% to 1% by plan, plus a sales based booster (capped monthly) |
| Regulation (UK) | Revolut Bank UK Ltd, a fully licensed bank; eligible deposits FSCS protected |
| Regulation (EU) | Revolut Bank UAB (Lithuania); deposits insured up to 100,000 euros |
| Team members | Not supported (use Revolut Business for that) |
What Is Revolut Pro?
The Revolut Pro account is one of many accounts offered by Revolut.com. This product is explicitly designed for self-employed people. I.e., freelancers, sole traders, those with a side hustle, contractors, etc., that want to manage their business finances alongside their Personal transactions within Revolut’s retail app.
In light of that, it might not be surprising to hear that Revolut Pro is somewhat similar to Revolut’s “Revolut Business” product. But there are a couple of crucial differences between the two.
Namely, Revolut Pro is accessed via an existing Revolut Personal account within (as previously mentioned) its retail app. In contrast, Revolut’s Business product is an entirely separate account accessible through Revolut’s Business app and platform. It also comes with a more extensive offering. For instance, you can add team members to your account. So as your business grows, you might wish to consider upgrading to a Revolut business account.
Who Can Open a Revolut Pro Account?
You might have already guessed a few of these requirements, but to clarify, to be eligible to open a Revolut Pro account, you must meet the following conditions:
- Have a Revolut Personal account.
- Be a self-employed person, i.e., a freelancer or sole trader – not an incorporated company.
- Only use Revolut Pro for business purposes.
- Pass Revolut’s onboarding checks (this might include application reviews and inspections to ensure your business doesn’t operate within one of Revolut’s forbidden sectors – e.g., dating services, fortune tellers, medical devices, real estate, and more – the complete list can be found, here.).
How Do You Sign Up for a Revolut Pro Account?
Yes, you predicted it; first things first, you need a Revolut Personal account. If you don’t have one already, you can sign up for one on Revolut’s home page. Once you have an account, download the Revolut retail app. Then, from within the app, you can request to sign up for Revolut Pro.
Revolut will then review your application to determine if you’re a suitable candidate for the Revolut Pro account. Usually, this decision is near-on immediate. However, Revolut might require you to provide extra information to help them decide (as mentioned above, this is usually just to double-check that you’re not operating in one of their forbidden markets).
How Do I Move Money Within My Revolut Pro Account?
Although your Revolut Pro account is the same kind of account as your existing Revolut Personal account, it’s important to note that the Pro account is distinct.
You can access your Pro account separately within the app. It also means your Pro account will have its own:
- Separate balance
- Account number
- Transaction history
At this point, I want to remind you that you can only use your Revolut Pro account for business purposes.
So, with that in mind, you can move money to your Revolut Pro account from your Revolut personal account, a debit or credit card from a different fintech company/bank, bank transfer, Apple Pay or Google Pay.
In contrast, where withdrawals are concerned, you can:
- Use your Revolut card.
- Make an outbound payment (i.e., send funds to non-Revolut accounts)
- Transfer money to your Revolut Personal account
How Can Clients Pay Me?
You’ll be pleased to hear that receiving payment from clients/customers is very easy. Not only that, but the funds will appear in your account within seconds. You can take quick payments via:
- QR codes
- Payment links
- Custom invoices (with just a few clicks, you can create, track, and send invoices)
- The Revolut reader
How Much Does Revolut Pro Cost?
You’ll be pleased to hear that it’s completely free to open and use a Revolut Pro account. Any monthly fees (and other costs) that apply are the same as your Personal account. At this point, it’s worth noting that all transactions made on your Pro account count towards any limits imposed on your Personal account.
So, with that said, we recommend double-checking Revolut’s personal account pricing packages to get a better idea of the fees involved.
That said, there’s one caveat to this rule. The only different cost occurs when you order a Pro card. The price of which (and its delivery fee) will be made known to you within the app before you commit to ordering a card.
How Do I Earn Cashback on Revolut Pro?
Did you know you can earn up to 0.8% cashback when using your Revolut Pro debit card? Well, if you didn’t, now you do. This applies to any domestic or international transaction using your Revolut Pro card.
Please note: Some merchants are excluded from this cashback offer – for example, gambling, money transfer, securities brokers, and more. You can view the complete list here.
You can see the exact cashback rate offered within the Revolut app. However, Revolut makes it clear that they vary this rate at their own discretion at any time.
Is Revolut Pro Secure?
Although, technically, Revolut isn’t a bank, it is regulated by the FCA (Financial Conduct Authority) as an institution that deals in electronic money. As a result, it has to preserve all client funds in a “segregated account” at a licensed UK bank.
However, as Revolut isn’t officially a bank, monies stored in your Revolut Pro account aren’t protected by the FSCS (Financial Services Compensation Scheme). As such, if (heaven forbid!) Revolut goes bust, and the FSCS won’t compensate you. So, if you’re holding colossal sums in your Revolut Pro account or all of your income, this could be a risky move.
Concerning cybersecurity, Revolut’s app is protected by password and biometric recognition. Revolut also says that its security systems are ‘award-winning,’ and I did some hunting around the internet and found that Revolut has indeed won the ‘Anti-fraud Solution of the Year’ award at the 2020 FStech Awards. So that’s pretty cool, right?
Revolut says that its security system monitors its accounts to flag suspicious transactions and asks for extra verification from you when necessary to protect your funds.
Lastly, Revolut makes it easy to immediately freeze or unfreeze your card within its app. This is handy if your card has been lost or stolen and you’re concerned it’s fallen into the wrong hands!
Is Revolut Pro secure, and is your money protected?
This is the section that has changed the most, and it is the most important one to get right, because it concerns whether your money is protected if something goes wrong.
Revolut is now a licensed UK bank
For years, Revolut operated in the UK as an electronic money institution. Your funds were safeguarded in segregated accounts at partner banks, but they were not covered by the Financial Services Compensation Scheme. Plenty of older reviews still state this, and for migrated UK accounts it is no longer true.
In March 2026, the Prudential Regulation Authority lifted the final restrictions on Revolut Bank UK Ltd, allowing it to operate as a fully licensed UK bank. The practical upshot for you is deposit protection: eligible deposits, which Revolut confirms include Revolut Pro account balances, are now protected by the FSCS up to 120,000 pounds per person. That 120,000 pound figure reflects the higher FSCS limit that came into effect at the end of 2025, replacing the long standing 85,000 pound cap.
One important caveat. Revolut is moving customers from its e money entity onto the bank in stages. Until your specific account has been migrated to Revolut Bank UK Ltd, your balance is still held as safeguarded e money, which means no FSCS cover yet. Some new sign ups may also start on the e money entity before being moved across. So FSCS protection now applies to Pro balances held in the bank, but it is not yet universal across every account. If this matters to you, check which entity holds your account inside the app.
What about EU customers?
If you are in the EEA, your account is provided by Revolut Bank UAB, which holds a banking licence in Lithuania and is supervised by the European Central Bank and the Bank of Lithuania. Deposits there are covered by the Lithuanian deposit insurance scheme up to 100,000 euros per depositor. This is a separate framework from the UK FSCS, but the headline is the same: your money sits inside a licensed bank with deposit protection.
Everyday security
On the cybersecurity side, the app is protected by a passcode, biometric recognition such as Face ID or fingerprint, and two factor authentication. Revolut runs real time, AI driven transaction monitoring that flags suspicious activity and asks for extra verification when something looks off. Revolut states that its systems detect more than 95% of attempted scams, though that figure is the company's own estimate rather than an independently audited number.
You can freeze and unfreeze your card instantly in the app if it is lost or stolen, generate disposable virtual cards whose details refresh after each purchase, and use newer tools such as in app call identification to spot impersonation scams. On the credentials front, Revolut was named World's Best Digital Bank by Euromoney in its most recent awards, which is a more current marker of standing than the older fraud awards some reviews still cite.
Revolut Pro: pros and cons
What I like
- Genuinely free to run. No standalone monthly fee for the account itself, which is rare for a business account with this many payment tools.
- Clean separation of business and personal money inside one familiar app, with its own balance, IBAN and history.
- Strong payment acceptance. Invoices, payment links, QR codes, Tap to Pay on iPhone and physical terminals cover almost every way a freelancer gets paid.
- Real deposit protection now exists, via FSCS in the UK and the Lithuanian scheme in the EU, once your account sits inside the bank.
- Meaningful cashback on card spend, with a booster that rewards higher invoicing volume.
- Pro Pockets and analytics make setting aside tax and tracking cashflow simpler.
What I dislike
- Sole traders only. No team members and no support for incorporated companies, so you outgrow it the moment you hire or incorporate.
- Strict business only rule. Personal spending on the Pro card risks clawed back cashback or account closure, which demands discipline.
- Shared limits. Pro transactions count against your Personal plan's allowances, so the two accounts are not fully independent.
- FSCS cover is not yet universal, because the migration from e money to the bank is still in progress.
- Cashback caps mean high spenders hit the monthly ceiling quickly.
- Restricted sectors rule out a meaningful slice of self employed activity.
Revolut Pro vs Revolut Business
If you are weighing the two, the dividing line is mostly about your legal structure and whether you work alone.
| Revolut Pro | Revolut Business | |
|---|---|---|
| Built for | Self employed individuals, sole traders, freelancers | Registered companies and partnerships |
| Where it lives | Inside the Personal retail app | Separate app and web dashboard |
| Team members | No | Yes, multiple users and roles |
| Expense and accounting tools | Core analytics and Pockets | Advanced expense management and integrations |
| Cost to open | Free | Free and paid tiers available |
In short, start with Pro if you are a one person operation that wants simplicity. Move to Business when you incorporate, take on staff, or need deeper accounting and approval workflows. Registered businesses are not eligible for Pro in any case.
My final verdict: is Revolut Pro worth using?
On the whole, yes, with a clear sense of who it suits. Revolut Pro is an excellent option if you are a European freelancer or solopreneur already using Revolut for your personal finances and you want a separate account to keep business expenses, such as supplies, travel and marketing, cleanly apart from personal spending. It is also a strong choice if you want a simple way to take client payments through invoices, links, QR codes, your phone or a terminal.
The shift to a licensed bank, with FSCS protection in the UK and deposit insurance in the EU, removes the biggest historical objection to keeping real money in the account, provided your account has been migrated to the banking entity. That is a genuine upgrade over the e money only setup that older reviews describe.
It is not the account for you if you are tempted to make personal purchases on the Pro card, since that risks reversed cashback or closure of both accounts. And it is the wrong tool for a growing business that needs multiple account holders or company level features, where Revolut Business is the better home.
If you are a solo worker who values simplicity and already trusts the Revolut app, Pro is one of the easiest business accounts to recommend. Are you considering it, or already using it? I would be glad to hear how it has worked out for you.
Frequently asked questions
Is Revolut Pro free?
Yes. There is no fee to open or hold a Revolut Pro account. The fees that apply mirror your existing Revolut Personal plan, and the only separate cost is ordering a Pro card, the price of which is shown in the app before you confirm.
Is money in a Revolut Pro account protected?
For UK accounts held within Revolut Bank UK Ltd, eligible deposits, including Pro balances, are protected by the FSCS up to 120,000 pounds per person. In the EU, accounts with Revolut Bank UAB are covered by the Lithuanian deposit insurance scheme up to 100,000 euros. Because Revolut is migrating accounts onto its banking entity in stages, this protection applies once your account sits inside the bank rather than the e money entity, so it is worth confirming your status in the app.
Can I use Revolut Pro for personal spending?
No. The Pro account and Pro card are strictly for business use, and your Personal account is for personal use. Mixing them risks Revolut reversing earned cashback and potentially closing both your Pro and Personal accounts.
How much cashback can I earn?
The base rate runs from 0.4% to 1% depending on your plan, and you can add a booster of up to 1% by hitting monthly sales milestones through Pro's payment tools. Total cashback is capped at 100 pounds per month, or 120 euros in the eurozone.
What is the difference between Revolut Pro and Revolut Business?
Revolut Pro is for self employed individuals and lives inside the personal retail app. Revolut Business is a separate product, accessed through its own app and dashboard, built for registered companies and able to support multiple team members and more advanced tools. Incorporated businesses are not eligible for Pro.
Who is eligible for Revolut Pro?
You need a Revolut Personal account, you must be a self employed individual rather than an incorporated company, and you must use the account only for business. Your activity also cannot fall within Revolut's list of prohibited sectors, so it is worth checking that list before applying.
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