Revolut Ireland 2026 | Credit card, debit card and fees
What Revolut offers Irish customers in 2026 — the new credit card at 17.99% APR, Irish IBANs, plan prices, FX and ATM limits, and where your money sits.
Bank cardsUpdated
Revolut is the most-used card provider in Ireland by customer numbers and, since it launched a credit card here, the only genuinely new entrant in the Irish credit card market in years.
The legal structure matters for what follows. Revolut Bank UAB holds an ECB banking licence through the Bank of Lithuania and operates here as Revolut Bank UAB Ireland Branch, with the Central Bank of Ireland regulating it for consumer protection.
Revolut credit card
| Item | Detail |
|---|---|
| Interest rate | 13.34% variable |
| Representative APR | 17.99% |
| Cash advance APR | 19.99% |
| Maximum credit limit | €10,000 |
| Intro offer | 0% on purchases and balance transfers for up to 6 months, if you meet the minimum monthly payments |
| Annual fee | None |
| Government stamp duty | €30 a year |
| Late payment fee | €10 |
| Rewards | RevPoints on card spending |
Representative example: a single €1,500 purchase repaid in equal instalments over 12 months at 13.34% variable (17.99% APR) totals €1,640.58 including the €30 stamp duty.
At 17.99% APR this is the second-cheapest credit card in Ireland after AIB CLICK at 13.8%. It has no annual fee and a longer 0% window than PTSB.
Eligibility is tight. You must be 18 or over, a full resident of the Republic of Ireland living at a registered Irish address, employed in Ireland with income paid into a Revolut, AIB, Bank of Ireland or PTSB account, hold an Irish or UK mobile number, have been an active Revolut customer for at least 30 days, have no negative balances and no overdue commitments to third parties.
The 30-day rule means you cannot join Revolut and apply the same week.
One thing to watch: the interest-free grace period does not apply to cash withdrawals, transfers or cash advance transactions. Those accrue interest from the day they happen.
Other Revolut credit products in Ireland
Personal loans — €2,000 to €30,000 over one to five years, for Republic of Ireland residents aged 18 and over.
Pay Later — splits an eligible purchase into three instalments at a 1.65% fee per purchase with no interest. Maximum purchase €499. Works at any merchant, with any Revolut card. Needs 30 days as a customer, regular income and a clean credit record.
Mortgages — not launched. Revolut has repeatedly delayed an Irish mortgage product and as of March 2026 would not give a date.
Plans and prices
| Plan | Monthly price |
|---|---|
| Standard | €0 |
| Plus | €3.99 |
| Premium | €8.99 |
| Metal | €15.99 |
| Ultra | €55 |
Irish IBANs
Revolut finished migrating its Irish personal customers from Lithuanian to Irish IBANs in April 2023, and everyone who has joined since 13 February 2023 gets an IE IBAN from the start. Old LT IBANs still work for existing direct debits and inbound payments.
This is the practical difference between Revolut and N26. Irish employers and utilities that once refused non-IE IBANs will accept a Revolut account.
Cards, FX and ATM fees
Network. Revolut Ireland issues both Visa and Mastercard. You do not get to choose the brand of a physical card — it is assigned by availability. You can usually choose for virtual cards, except single-use ones.
Currency exchange. Standard gives you €1,000 a month fee-free, then 1%. Plus gives €3,000 a month, then 0.5%. Premium, Metal and Ultra are unlimited and fee-free.
Weekend markup. Standard pays 1% and Plus 0.5% on exchanges made at the weekend. Premium, Metal and Ultra pay nothing. Revolut defines the weekend as 17:00 Friday to 18:00 Sunday New York time, which is not the same as an Irish weekend — a Sunday evening exchange in Dublin is still inside the window.
ATM withdrawals. On Standard you get €200 or 5 withdrawals a month, whichever comes first, then 2% with a €1 minimum. Higher tiers have larger allowances; check the current figures in the app, as Revolut’s published limits change.
Irish ATM stamp duty. Revolut charges the 12c per ATM withdrawal government levy, capped at €5 a year, billed in January for the previous year.
Revolut Kids and Teens
Revolut’s under-18 product covers ages 6 to 17. One child account is free on Standard, Plus covers up to two and Metal up to five. Peer-to-peer payments are only available from age 13.
Kids savings pay up to 2.5% AER variable — 2% where the parent is on Standard, 2.5% on Ultra. The child’s ATM allowance is €100 a month where the parent is on Standard, €200 on Metal or Ultra. Card customisation and delivery fees may apply.
Where your money actually sits
Revolut deposits are covered by the Lithuanian deposit guarantee scheme to €100,000 per depositor, not the Irish scheme. Flexible Cash Funds are covered separately to €22,000 under investor compensation rules.
Practically this makes little difference for most balances, but it is worth knowing if you keep large sums there, and it is a genuine difference from AIB, Bank of Ireland, PTSB and An Post.
Who Revolut suits
For everyday spending and travel, Revolut on the free Standard plan beats every Irish bank card on cost. The credit card is a serious product at 17.99% APR with no annual fee, but the eligibility rules — employed in Ireland, salary into one of four named banks, 30 days as a customer — rule out a lot of people.
It is not a full replacement for a bank if you want mortgage lending, and your deposits sit under a Lithuanian guarantee rather than an Irish one.
Frequently asked questions
Does Revolut offer a credit card in Ireland?
Yes. Revolut sells a credit card to Irish residents at 13.34% variable, 17.99% APR, with a maximum limit of €10,000 and up to 6 months at 0% on purchases and balance transfers. The standard Revolut card is a debit card and is not credit.
Does Revolut give you an Irish IBAN?
Yes. Everyone who joined from 13 February 2023 gets an IE IBAN, and existing Irish customers were migrated by April 2023. Old Lithuanian IBANs still work for payments in.
Is Revolut a bank in Ireland?
It operates as Revolut Bank UAB Ireland Branch under a Lithuanian banking licence, regulated by the Central Bank of Ireland for consumer protection. Deposits are protected by the Lithuanian scheme to €100,000, not the Irish one.
Is Revolut Visa or Mastercard?
Both. Revolut Ireland issues on both networks and assigns the brand of a physical card automatically. You can normally pick the network for a virtual card.
Do I pay Irish stamp duty on a Revolut card?
Yes. The 12c per ATM withdrawal levy applies, capped at €5 a year, and Revolut bills it in January for the previous year. The €30 credit card stamp duty applies to the Revolut credit card.
How do I contact Revolut?
Through in-app chat, which is Revolut’s main support channel. There is no branch network. Never share your app login or card details with anyone claiming to be Revolut support outside the app.
Checked against 12 sources
- https://www.revolut.com/en-IE/credit-cards/
- https://help.revolut.com/en-IE/help/credit-products/credit-cards/revolut-credit-cards/
- https://help.revolut.com/en-IE/help/credit-products/credit-cards/applying-for-a-credit-card/
- https://www.revolut.com/en-IE/personal-loans/
- https://www.revolut.com/en-IE/pay-later/
- https://www.revolut.com/en-IE/our-pricing-plans/
- https://help.revolut.com/en-IE/help/wealth/exchanging-money/how-much-does-it-cost-to-make-an-exchange/will-i-be-charged-for-exchanging-foreign-currencies/
- https://help.revolut.com/en-IE/help/cards/card-order/can-i-choose-between-visa-and-mastercard/
- https://www.revolut.com/en-IE/revolut-kids-and-teens-parent-and-guardians/
- https://www.rte.ie/news/business/2023/0406/1375430-revolut-completes-irish-iban-move/
- https://www.revolut.com/en-LT/legal/deposit-insurance-information/
- https://help.revolut.com/en-IE/help/credit-products/getting-personal-loans/loan-or-credit-interest-fees/what-is-the-government-stamp-duty-and-how-is-this-applied/