How to Transfer Money from Revolut to Bank Account: Step-by-Step

Anyone who uses Revolut for everyday spending has probably hit the moment when money needs to move from the app to a main bank account — whether it’s for rent, a direct debit, or just consolidating cash. In Ireland, that typically means an AIB, Bank of Ireland, or credit union account. Standard EUR transfers within the SEPA region are free and usually arrive within 1–2 business days, as Revolut’s own help centre confirms. This guide walks through the exact steps, the real timelines, and the fee picture so you know exactly what to expect before you hit send.

Standard transfer time: 1-2 business days · Standard transfer fee: Free (within UK/EEA) · Minimum transfer amount: No minimum

The pattern is clear: for EUR transfers within Ireland, the cost and time are minimal. The moment you leave the SEPA zone, both increase.

How do I transfer money from my Revolut to my bank account?

Step-by-step process

• Open the Revolut app on your phone.
• Tap the Payments icon at the bottom of the screen.
• Press the + symbol in the top-right corner.
• Select Bank for a standard EUR SEPA transfer, or International for a non-EUR SWIFT transfer.
• Enter the full name of the recipient and their IBAN and BIC/SWIFT code.
• Type in the amount and choose the currency (EUR for Irish bank accounts).
• Check the fee summary and estimated arrival time shown on the confirmation screen.
• Tap Confirm to send the money.

This cardless, purely digital method works for any SEPA-registered bank — AIB, Bank of Ireland, and credit unions included. The entire flow is documented on Revolut’s Ireland Help Centre. SEPA itself is harmonised by the European Commission (Single Euro Payments Area regulation), meaning the same rules apply across all member countries.

How long does it take to transfer money from Revolut to my bank account?

Standard transfer times

Factors affecting transfer speed

• Weekend sends: Transfers initiated after Friday 5pm won’t start processing until Monday.
• Public holidays: Irish bank holidays and holidays in the recipient’s country can add a day.
• Recipient bank: Some banks process inbound SEPA credits faster than others.
• Currency: Non-EUR international SWIFT transfers average 3–5 working days, according to Revolut Ireland.

The implication: the fastest route is a local EUR transfer during business hours. Weekend and international sends introduce the most delay.

Does Revolut charge fees for transfer to bank account?

Standard transfer fees

• EUR transfers within the SEPA region: free (no Revolut fees and no intermediary bank charges). Revolut’s Standard Fees page confirms free bank transfers for Standard plan users.
• GBP transfers within the UK: free.

International transfer fees

• Transfers outside the SEPA/UK zone: 0.5% of the transfer amount, with a minimum fee of £0.50.
• Paid-plan subscribers (Plus, Premium, Metal) receive a number of free international transfers or discounted rates.

Currency conversion fees

• On weekdays, Revolut uses the real interbank exchange rate with no added markup.
• On weekends, a markup of up to 1% is applied to the exchange rate — the exact percentage varies by currency pair and is disclosed at the point of transfer. Wise’s analysis notes this is the area where costs can quietly add up.

How to transfer money from Revolut to an international bank account?

Step-by-step for international transfers

• In the Payments tab, select International instead of Bank.
• Choose the destination currency (USD, INR, AUD, etc.).
• Enter the recipient’s SWIFT/BIC code and full account number or IBAN (if applicable).
• The fee (0.5%) and the exchange rate are displayed before confirmation. The SWIFT code is the standard identifier for international banks, managed by the SWIFT (global financial messaging network).

Currency conversion options

You can exchange funds inside your Revolut wallet before sending to lock in a weekday rate, or let the app convert at the time of transfer. The latter incurs the weekend markup if applicable.

How do I transfer money from my Revolut to my AIB account?

Transferring to AIB

AIB is a standard SEPA member, so the process is identical to any EUR bank transfer. You’ll need your AIB IBAN (e.g., IE29 AIBK 9311 5212 3456 78) and BIC code (AIBKIE2D). These details are available on your AIB statement or within the AIB mobile app. The IBAN format is governed by international standards (Wikipedia — IBAN overview), which Irish banks fully adopt.

Transferring to Bank of Ireland

Bank of Ireland works the same way. Use their IBAN (IE45 BOFI 9000 1712 3456 78) and BIC (BOFIIE2D). Both banks fall under Revolut’s free SEPA transfer structure, so no extra fees apply. The Central Bank of Ireland (payment system regulator) oversees SEPA compliance domestically, ensuring consistency across all Irish banks.

How to transfer money from Revolut to a bank account without a card?

Using bank transfer instead of card

A bank transfer on Revolut does not require a physical card or a virtual card number. You simply enter the recipient’s bank credentials. This is a purely digital, cardless process. Wise’s guide confirms that Revolut’s bank-transfer route is entirely separate from the card payment system.

Setting up a beneficiary

After the first transfer, you can save the bank account as a beneficiary. This saves re-entering the IBAN and BIC for future sends. Beneficiaries can be edited or removed at any time in the Payments section.

For anyone in Ireland moving money between Revolut and a high-street bank account, the system works reliably as long as you stick to EUR SEPA transfers during the week. The moment you send on a Friday evening or in a non-EUR currency, the cost and the clock both change. For Irish account holders at AIB, Bank of Ireland, or a credit union, the choice is straightforward: send EUR during business hours for a free, same-day-or-next-day arrival, or plan for the fee and delay when going international.