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. List prices in EUR; converted prices are explained in the assumptions. 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.