expense-management Data estimated - verify with vendor Verified - May 2026

Revolut Business Expenses

Card-and-receipt expense management bolted onto a Revolut Business account, with Irish IBANs and native Xero/QuickBooks/Sage sync

Last verified: 19 May 2026 Methodology

Free tier available

EUR pricing guaranteed

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Irish Compliance Assessment

Verified pass Partial · caveats Not supported
-

Revenue Integration

No native Revenue Online Service (ROS) connection. Tax submissions must be exported and filed manually, or handled via a paired Irish accounting tool.

verified 2026-05-19 · scope: not supported
-

PAYE Modernisation

Not a payroll product. Real-time PAYE reporting required since 2019 is out of scope.

verified 2026-05-19 · scope: not a payroll product
✓

Irish Bank Feeds

Native to the underlying Revolut Business current account - no open banking or third-party bank feed required. Irish (IE) IBAN issued via Revolut Bank UAB Irish branch. Receipts, categories, tax rates and descriptions sync automatically to Xero, QuickBooks Online and Sage.

verified 2026-05-19 · SEPA Credit Transfer / SEPA Instant
✓

SEPA / Irish IBAN

SEPA Direct Debit and Irish IBAN supported natively. SEPA XML export available.

verified 2026-05-19 · native SEPA
✓

VAT Handling

Irish VAT supported. OCR auto-fills tax rate, transaction amount, date and vendor from receipt image; tax rates sync from the connected Xero, QuickBooks or Sage chart of accounts so Irish VAT rates (23%, 13.5%, 9%, 0%) flow through if configured correctly in the accounting system..

verified 2026-05-19 · OCR auto-fills tax rate, transaction amount, date and vendor from receipt image; tax rates sync from the connected Xero, QuickBooks or Sage chart of accounts so Irish VAT rates (23%, 13.5%, 9%, 0%) flow through if configured correctly in the accounting system.
✓

Irish Support

Customer support available during Irish business hours. Email, phone, or chat as published by the vendor.

verified 2026-05-19 · Irish hours
GDPR Data Residency EU data centres verified 2026-05-19

Overview

Revolut Business Expenses is the expense management module inside a Revolut Business account, operated in Ireland through the Irish branch of Revolut Bank UAB (licensed by the European Central Bank via the Bank of Lithuania, Central Bank of Ireland reference C494274). Unlike Pleo, Soldo, Spendesk and Payhawk - which sit on top of a separate business bank account via open banking or a top-up wallet - Revolut Business Expenses is the same ledger as the underlying current account. Card spend, receipt capture, and accounting sync all happen against the company's primary IBAN, which since the corporate migration completed in 2023 is now an Irish (IE) IBAN for Irish-registered customers. That removes the reconciliation step most Irish finance teams hit when they pair a UK or Danish IBAN expense card with an AIB or Bank of Ireland current account. The expense workflow itself covers physical and virtual cards (up to three physical and up to 200 virtual per team member), per-card spend limits, custom spend programmes, optical character recognition that auto-fills the tax rate, transaction amount, date and vendor name from a receipt image, and native syncs to Xero, QuickBooks Online and Sage that push receipts, categories, tax rates and descriptions back into the accounting ledger automatically. Custom approval workflows and HR-system integrations are gated to the Grow plan and above. Pricing is two-part: the Revolut Business plan (Pro at EUR 0/month for sole traders and very small teams, Basic at approximately EUR 10/month, Grow from approximately EUR 30/month, Scale from approximately EUR 90/month, Enterprise on quote) plus a separate per-active-team-member fee for the Expenses add-on, where a member only becomes active and chargeable once they submit their first expense. Receipt images stored against an expense satisfy Revenue's six-year retention requirement under Section 886 of the Taxes Consolidation Act 1997, in line with Revenue eBrief 09/15 which permits clear, unaltered electronic image storage in place of paper originals. The fit profile is Irish SMEs already running Revolut Business as their primary current account who want a single-pane view of card spend, receipts, and accounting sync without bolting on a second platform.

Editor's verdict on Revolut Business Expenses

stamped 2026-05-19

Revolut Business Expenses is the strongest match if you already run banking on Revolut Business and want a single-pane card-plus-expense view for an Irish team under 50 staff. The unfair advantage is that the cards, the IBAN and the receipt store all live on the same ledger - there is no open-banking reconciliation gap of the kind Pleo, Soldo and Spendesk introduce by sitting on top of a separate business account. The trade-off is depth: this is a card-and-receipt tool with accounting sync, not a full procurement or SaaS-subscription suite, and the two-part pricing (plan fee plus per-active-member Expenses fee) is harder to forecast than Pleo's flat tiers. If you are not already on Revolut Business, Pleo is the more common Irish default; if you need procurement workflows on top of cards, Spendesk or Payhawk are stronger.

Irish compliance score

Revolut Business Expenses Irish compliance score3 of 6 pass
CRO active
Revenue integration
PAYE Modernisation
Irish bank feeds
GDPR (EU residency)
Irish support
Revolut Business Expenses Irish compliance score
CriterionStatusNote
CRO activeNot met
Revenue integrationNot met
PAYE ModernisationNot met
Irish bank feedsPass
GDPR (EU residency)Pass
Irish supportPass

Pros and Cons

Pros

  • Same ledger as the underlying Revolut Business current account - no separate top-up wallet, no open-banking reconciliation step
  • Irish (IE) IBAN issued via Revolut Bank UAB Irish branch - rare in the expense-management category where most competitors issue DK, FR or BG IBANs
  • Native receipt-and-category sync to Xero, QuickBooks Online and Sage - not just transaction-level bank feed
  • Up to 3 physical and up to 200 virtual cards per team member, with per-card spend limits and custom spend programmes
  • Revenue eBrief 09/15 receipt-retention compliance via EU-resident image storage

Cons

  • Pricing is two-part: the underlying Business plan fee plus a per-active-team-member Expenses fee - harder to budget than a single per-user platform such as Pleo or Spendesk
  • Per-active-member EUR rate for the Expenses add-on is not transparently published on the Irish-facing fee pages; UK pricing is GBP 8 per active member but the EUR equivalent should be confirmed in-app before committing
  • Custom approval workflows and HR-system integrations require Grow plan or above - the Basic plan is too thin for finance teams that need approval chains
  • Less mature procurement and SaaS-subscription oversight than Spendesk or Payhawk - this is a card-and-receipt tool, not a full spend-management suite
  • Deposit protection sits under the Lithuanian scheme via Revolut Bank UAB (EUR 100,000 limit), not the Irish Deposit Guarantee Scheme

Best For

Company Size

1-5 employees6-20 employees21-50 employees

Sectors

TechProfessional ServicesEcommerceAgencies

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Verification Notes

Sibling profile to revolut-business.json, scoped to the Expenses add-on for the expense-management category. Confirmed via Revolut Ireland help centre and third-party coverage: corporate Irish IBAN migration completed for existing Revolut Business customers in 2023 with all new Irish-registered businesses onboarded onto IE IBANs via the Irish branch of Revolut Bank UAB. Expenses add-on is available on all Revolut Business plans priced per active team member per month (a member becomes active on first expense submission); the published EUR rate per active member was not located on Irish-facing fee pages at time of verification, so the per-member figure is intentionally omitted and described qualitatively. Custom approval workflows and HR-system integrations are gated to Grow plan and above. Xero, QuickBooks Online and Sage integrations confirmed for expenses sync. Receipt OCR confirmed as auto-fill of tax rate, amount, date and vendor.

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Pricing and feature data is indicative and may not reflect current vendor offerings. Always verify details directly with the vendor before purchasing.