Instarem vs Revolut Business: Which is better for your business?

09 Apr 2025

3 mins read

This article covers:

Choosing the right business account makes a big difference in how you manage your finances. We’re comparing Instarem business and Revolut Business, which includes their features, pricing, business card options and more, to help you decide which one works best for you.

	Instarem	Revolut Business
Features	Hold and exchange multiple currencies, send real-time payments, secure transactions, process up to 1,000 payments, and fund transactions seamlessly with Visa or Mastercard® credit cards	Multi-currency accounts, expense management, payment acceptance, FX at interbank rates, accounting integrations
Pricing	No monthly fees and no fees for cross currency payments	Tiered plans starting from $0/month; varying allowances for transfers and currency exchange
Business cards	Virtual prepaid Mastercard® with FX savings and customised spending controls	Physical, virtual, and metal cards; spend controls; integration with Apple Pay and Google Pay

Instarem vs Revolut Business: Key Features

	Instarem	Revolut Business
Supported currencies	Pay in 40+ currencies	Hold and exchange in 25+ currencies
International Payments	Pay up to 160+ countries	Transfers to over 150 countries
Accounting Integration	Not available	Integrates with Xero, QuickBooks, Sage
Business Debit Cards	Virual prepaid card with FX savings	Physical, virtual, and metal cards with spend controls
App	Mobile-web compatibility	Mobile app with comprehensive features

Both platforms offer robust features. Instarem excels in providing real-time payments and extensive international payment coverage, making it ideal for businesses requiring swift global transactions. Revolut stands out with its seamless accounting software integrations and advanced expense management tools, benefiting businesses seeking streamlined financial operations.

Instarem vs Revolut Business: Pricing

	Instarem	Revolut Business
Account Opening Fee	No fees	None
Monthly Subscription	No fees	Basic: $0/month; Grow: $30/month; Scale: $119/month
Currency Exchange Fees	Mid-market rate; no fees	Interbank rates within plan allowances; fees apply beyond allowances
Money Transfer Fees	$0 fees for cross-currency payments	Varies by plan; Basic includes limited free transfers
FX Fees	Mid-market rate; no fees	No fees within allowances; 1% fee outside FX market hours

Instarem offers a cost-effective solution with no monthly fees and competitive exchange rates, appealing to businesses with diverse currency needs. Revolut provides tiered plans, allowing businesses to choose based on their transaction volumes and required features. Higher plans offer increased allowances for currency exchange and transfers, which can be cost-effective for businesses with substantial international transactions.

Instarem vs Revolut Business: Business Cards

	Instarem	Revolut Business
Physical Card	Soon	Available
Virtual Card	Available for Google pay and Apple pay	Available
Custom Card	Not available	Metal cards with customization options
ATM Withdrawal	Soon	Available with limits; fees may apply

Both Instarem and Revolut offer virtual business cards, enhancing security for online transactions. Instarem plans to introduce physical cards soon, while Revolut already provides physical and customisable metal cards, catering to businesses seeking premium card options. Revolut’s cards also support ATM withdrawals and integrate with payment platforms like Apple Pay and Google Pay, offering added convenience for businesses.

See how Instarem compares

	Instarem
Features	Hold and exchange multiple currencies, send real-time payments, secure transactions, process up to 1,000 payments, and fund transactions seamlessly with Visa or Mastercard® credit cards
Pricing	No monthly fees and no fees for cross currency payments
Business cards	Virtual prepaid Mastercard® with FX savings and customised spending controls