Revolut Referral Link Singapore (Oct 2026): What You Actually Get

I signed up for Revolut expecting a cash sign-up bonus, and there isn't one. Revolut Singapore doesn't pay new users a separate cash reward for joining through a referral link, so here's what you do get and how the referral steps work.

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👉 Revolut uses referral links, not codes. Mine is: https://revolut.com/referral/?referral-code=chr...

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What you get on the Standard plan

• S$0 monthly fee
• Currency exchange up to S$5,000/month in 30+ currencies, with no added fee on weekdays
• Overseas ATM withdrawals up to S$350 or 5 withdrawals a month with no Revolut fee
• Free virtual card, and free instant transfers to other Revolut users
• 1,000+ stocks at US$0.99 per trade, if you use the investing side (capital at risk)

Some accounts also get an in-app offer of a waived first month of Premium, Metal or Ultra. It's invitation-based, so not everyone sees it.

How to complete the referral (by 28 Oct 2026)

1. Open the referral link on your phone before downloading the app. The referral only applies if you sign up from the link.
2. Sign up and complete identity verification.
3. Add money by card, Apple Pay, Google Pay or bank transfer. The first card top-up is free.
4. Order a physical card. The first card is free, but a delivery fee applies.
5. Make 3 card purchases of S$10 or more before 28 Oct 2026.

Things that tripped me up / worth watching

• ✅ Gambling, gift cards and transfers don't count as qualifying purchases, and top-ups from other Revolut users don't count as adding money.
• ✅ Closing the account within 14 days, or cancelling the card before it arrives, reverses the referral.
• ✅ Weekend exchanges, and anything above the S$5,000 monthly limit, cost a 1% fee. Exchange on weekdays if you can.
• ✅ ATM withdrawals past the free allowance cost 2% (minimum S$1.49), and the ATM operator may add its own fee.
• ✅ If you're offered the free paid-plan month, you have 72 hours to claim it, and it renews at the normal rate unless you cancel.

I checked these numbers against DLCuration's Revolut referral guide, which has the full breakdown: https://dlcuration.com/revolut-referral.html

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Who can't use it

• Anyone who has ever had a Revolut Personal account with any Revolut entity
• Under-18, Business or Joint accounts
• Accounts created without going through the link
• You also need to be eligible for a Revolut Personal account in Singapore

Caveat

Revolut Technologies Singapore is a MAS-regulated Major Payment Institution, not a bank, so balances are not SDIC-insured. I keep spending money in it for travel and FX, not savings.

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Disclosure: that's my referral link above. Not financial advice, just sharing how it works in case you were already planning to sign up.