Legacy Bank FX & Wire Desk vs Revolut Multi-Currency Account
Estimate what moving from Legacy Bank FX & Wire Desk to Revolut Multi-Currency Account costs over 12 to 36 months, including the one-time switch. Then remap your exported CSV headers.
Why teams look at this switch: Bank FX spreads vs Revolut Business plan allowances (0.6% above the allowance, +1% outside market hours)
Cost calculator
Reference price ladder
Partly reference prices, checked 24 Oct 2026. Vendor list prices in EUR, as published. Prices change and differ by region, tax and contract. Confirm on the vendor's page before you decide.
| Plan | Monthly billing | FX allowance | Above allowance |
|---|---|---|---|
| Basic | €10 | €1,000 | 0.6% |
| Grow | €35 | €15,000 | 0.6% |
| Scale | €125 | €60,000 | 0.6% |
Assumptions
- Bank side is an illustrative assumption: €10/mo, 2.5% FX spread, €25 per wire, one wire per €2,500.
- Revolut Business: cheapest plan; 0.6% above allowance; +1% outside market hours; €5 per extra transfer.
CSV header mapper
Rename exported Legacy Bank FX & Wire Desk column headers to the names Revolut Multi-Currency Account expects. It runs in your browser. Only headers change and values are kept.
Renamed headers do not make a file import-ready. Compare the result with Revolut Multi-Currency Account's import template and create any custom fields there first.
| Legacy Bank FX & Wire Desk column | Revolut Multi-Currency Account column | Field type |
|---|---|---|
| Payee_Name | Name | Standard field |
| IBAN_Account | IBAN | Standard field |
| BIC_SWIFT | BIC | Standard field |
| Invoice_Amount | Amount | Standard field |
| Currency_Code | Currency | Standard field |
When moving to Revolut Multi-Currency Account makes sense
- Your main cost driver is Bank FX spreads vs Revolut Business plan allowances (0.6% above the allowance, +1% outside market hours), and your volume is past the break-even point above.
- Your team can finish the CSV import and onboarding within the switching budget you entered.
- You have checked that Revolut Multi-Currency Account's plan covers the integrations and compliance rules you need.
When staying on Legacy Bank FX & Wire Desk is the better call
- The one-time migration, re-integration or retraining cost is larger than 12 to 24 months of savings.
- You are inside a multi-year Legacy Bank FX & Wire Desk contract with early-termination fees.
- Your workflow relies on add-ons or features Revolut Multi-Currency Account does not support yet.
How the result changes with volume
Twelve-month totals at half, default and double volume, using the default pricing model and a €150 switching cost.
| Volume (Monthly International Volume (€/$)) | Legacy Bank FX & Wire Desk | Revolut Multi-Currency Account | 12-month difference |
|---|---|---|---|
| 50% volume (4,250) | €166/mo | €35/mo | +€1,422 |
| Default volume (8,500) | €323/mo | €35/mo | +€3,306 |
| 200% volume (17,000) | €610/mo | €57/mo | +€6,486 |
Questions
How is the total cost of Legacy Bank FX & Wire Desk and Revolut Multi-Currency Account compared?
Each side's monthly cost is multiplied by the months in the horizon, and the one-time switching cost is added to Revolut Multi-Currency Account. At the default volume (Monthly International Volume (€/$): 8,500), the model gives about €323 per month for Legacy Bank FX & Wire Desk and €35 per month for Revolut Multi-Currency Account.
How do Legacy Bank FX & Wire Desk CSV headers map to Revolut Multi-Currency Account?
The mapper renames Legacy Bank FX & Wire Desk columns (Payee_Name, IBAN_Account, BIC_SWIFT, Invoice_Amount, Currency_Code) to Revolut Multi-Currency Account columns (Name, IBAN, BIC, Amount, Currency) in your browser. Custom fields must exist in Revolut Multi-Currency Account before you import.
When should a company stay on Legacy Bank FX & Wire Desk?
Stay if the one-time switching, integration or contract-exit cost is larger than the savings over the horizon you care about. The calculator shows that case as a negative result.