Revolut Business for a US LLC: accounts, EUR/USD and currency exchange

Set up Revolut Business for your LLC: account requirements, USD and EUR receipts, interbank exchange and a clear role for each currency balance.

A US LLC can earn dollars from American customers and still need euros for European suppliers. Revolut Business can give that company a practical way to hold both currencies, make payments and exchange the amount it needs instead of converting every receipt into USD.

For an agency, consultancy or cross-border business, the benefit is a better fit between money coming in and bills going out. Exentax helps prepare the application and decide how Revolut should work alongside the LLC's other accounts. The starting point is your business, not a standard list of accounts to open.

This guide covers the US product: eligibility, receiving details and currency exchange. The separate guide to Revolut Business and its reporting perimeter explains the providers and reporting context.

Opening Revolut Business for a US LLC

Revolut lists limited liability companies among the supported US legal forms. That is the beginning of the review, not an approval guarantee.

A complete application aligns four identities:

  • the LLC in its formation record and EIN evidence;
  • the person applying and the authority under which that person acts;
  • the owners or controllers who must be disclosed;
  • the real business shown by its website, contracts, invoices and expected flows.

Revolut's current US help material also connects eligibility to the applicant's country of residence and to evidence of a US operating presence. Its operating-address guidance distinguishes a physical place of business from a post-office box or an address used only as a virtual mailbox. The evidence must reflect the facts of the company; a registered-agent address does not automatically prove where the LLC operates.

Exentax therefore prepares the application as one business file. Legal name, state, formation date, EIN, ownership, authority, residential details, operating address and commercial description are checked together. A new LLC can explain its planned activity and source of initial funds without pretending to have trading history. An existing LLC should present actual customers, transaction ranges and contracts consistently.

Holding USD and EUR for customer payments

The invoice currency should be decided by the commercial agreement, not by the country in which the payer happens to sit.

If an American customer owes 7,500 USD, the invoice, receivable and expected bank credit are all denominated in USD. If a French customer owes 9,000 EUR, the LLC should not silently turn that obligation into dollars at an unknown rate. It either accepts EUR into an available EUR currency account or agrees a documented conversion method with the customer before invoicing.

Revolut Business can hold multiple currencies. That is useful because it allows the LLC to separate its USD and EUR cash rather than converting every receipt immediately. Holding a currency, however, says nothing on its own about the local account details attached to it. Currency, account details and payment rail are three separate decisions.

USD, GBP and EUR: the receiving details available

For US customers, Revolut currently publishes local USD account details for eligible US business accounts: an account number, an ACH routing number and a wire routing number. ACH and domestic wire may reach the same USD balance, but the sender needs the routing information for the rail it is actually using.

Revolut's US guidance also lists local GBP details: a sort code and account number. Other currencies, including EUR, use international SWIFT receiving details rather than local details. A US LLC can hold euros and receive them through the SWIFT route enabled for that currency account.

Sending a SEPA payment is a different service from having local EUR receiving details. An eligible outgoing payment can use SEPA where the account and beneficiary support it; that does not give the US account a local euro IBAN. If your customers specifically need to pay by SEPA, Exentax can assess a complementary account for the LLC.

SWIFT is the international route used when the payment does not use compatible local details or a domestic scheme. Correspondent or beneficiary banks may participate, deductions may occur, and the arrival time may differ from a domestic payment.

The LLC should share only one set of instructions per invoice. Giving a customer ACH, wire, SEPA and SWIFT details at once is not flexibility; it transfers the routing decision to someone who does not manage the company's books.

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Matching customer payments to invoices

An account credit is not enough to close a receivable professionally. The accounting record should preserve the complete path:

  • customer and legal payer;
  • invoice number, contractual currency and gross amount;
  • bank details and rail supplied to the payer;
  • transfer reference and initiation date;
  • amount credited, value date and currency;
  • any bank or intermediary deduction;
  • any later conversion, including rate and cost;
  • the person who reviewed and matched the payment.

This matters when the sender's bank name differs from the customer's trading name, when a group company pays on behalf of another entity, or when a SWIFT deduction produces a net receipt below the invoice total. The difference should be explained, not hidden by editing the invoice after payment.

Revolut should be treated as a financial account supported by its own statements and payment evidence. Each movement needs a clear reference so its origin, currency and destination can be verified without assuming an automated data feed.

When a second account serves your customers better

A second account can solve a specific need without replacing Revolut: local EUR collections, a separate reserve or a payment service chosen for a particular market. Exentax identifies that purpose before recommending another provider. The aim is a simpler experience for your customers and a clear role for each account.

When another account is used, agree:

  1. who may approve alternative banking instructions;
  2. how the customer verifies that the new instructions are genuine;
  3. which invoice reference must remain unchanged;
  4. how the two accounts are reconciled without counting an internal transfer as revenue;
  5. when the original route returns to service.

This is especially important for email security. Bank-detail changes should never be accepted from a forwarded message alone. The company should verify them through an established channel and preserve the approval.

Example: a US customer pays by ACH

The LLC invoices a customer for 6,400 USD. The invoice names the LLC, states USD, includes a unique reference and supplies the current ACH details from Revolut.

The customer initiates ACH. On receipt, the finance record captures the payer, reference, amount and value date. Because the invoice and bank credit are both USD, no foreign-exchange event is created. The cash remains in the USD account until the LLC uses it for a documented purpose.

If the customer asks for wire details instead, the LLC issues the correct wire routing information. It does not tell the customer to try the ACH routing number and see whether the payment arrives.

Example: a European customer pays an EUR invoice

The LLC agrees a fee of 14,000 EUR. Before issuing the invoice, the team opens the EUR account details in Revolut and checks the enabled SWIFT receiving instructions.

The invoice contains only the verified route. If 14,000 EUR arrives, the receivable closes at 14,000 EUR. If 13,975 EUR arrives because an intermediary deducted 25 EUR, the books preserve the 14,000 EUR revenue, the 25 EUR difference under the correct treatment, and the 13,975 EUR bank credit. Changing the invoice to match the net deposit would erase the commercial truth.

The LLC can keep the EUR for European suppliers or convert part of it into USD. The later exchange is a treasury decision, separate from the original sale.

Exchanging EUR and USD with Revolut Business

Revolut's interbank rate and your plan allowance

Revolut Business advertises its interbank rate during market hours and within the plan's exchange allowance. It sets the rate using market conditions, so another website's reference rate may not match the live quote. Check the amount sold, the amount received and any charge before confirming.

The exchange allowance and transfer allowance cover different services. A currency conversion may be within allowance while the subsequent payment carries a transfer or intermediary-bank charge. Choose a plan by looking at the subscription, expected monthly exchange volume and actual payment routes together.

Keeping euros can reduce unnecessary exchanges

Consider an LLC that receives 10,000 EUR and expects to pay European suppliers 3,000 EUR. It could retain that amount and exchange the remaining 7,000 EUR. At an illustrative rate of 1 EUR = 1.10 USD, not a live quote, the exchange would produce 7,700 USD before applicable charges.

That decision does not depend on predicting the currency market. It avoids converting money into dollars only to buy euros again for a known expense. The final amount comes from the confirmed transaction, while the retained balance should follow the company's payment schedule.

Paying an overseas supplier from your LLC

A supplier invoice is due in EUR while most of the company's cash is held in USD. The team validates the supplier, amount, due date and payment instructions first. It then decides how much to exchange and who may approve the transaction.

The record links the USD amount sold, the EUR amount obtained, the displayed exchange cost and the final transfer. The transfer reference points back to the supplier invoice. A reviewer can reconstruct the complete transaction without guessing why money moved between currency accounts.

A practical account-details policy

The strongest policy is short enough to follow:

Verify before publishing. Account details are copied from the live currency account and checked by a second person before a new invoice template is used.

One invoice, one currency, one primary rail. Alternative instructions are supplied only when requested and approved.

No personal collection route. Customer money owed to the LLC is received by the LLC, not through an owner's personal account.

No silent conversion. If payer and invoice currencies differ, the conversion method is agreed before payment.

Every difference has a cause. Fees, short payments, refunds and chargebacks remain visible in the ledger.

Every user has an individual role. Credentials are not shared; viewing, preparing and approving payments are separated where the team structure supports it.

The companion guide to routing numbers, SWIFT and IBAN explains the identifiers themselves. The article on currency exchange and margin control owns the broader FX-cost decision. Keeping those subjects separate prevents this operating guide from becoming another generic glossary.

What to review every month

A monthly Revolut review should answer seven factual questions:

  • Do the USD and EUR balances agree with the ledger?
  • Are all customer receipts matched to an invoice or documented source?
  • Are transfers between the LLC's own accounts excluded from revenue and expense?
  • Are foreign-exchange transactions linked to the need that caused them?
  • Are bank charges and intermediary deductions recorded separately?
  • Are users and permissions still appropriate?
  • Are the account details printed on current invoice templates still valid?

The result is not a large report. It is a clean close with exceptions assigned to someone and resolved before the next period.

Where Revolut fits in a wider banking stack

Revolut can be a strong operating layer for a US LLC that receives and pays in more than one currency. It may sit alongside a US bank account dedicated to domestic flows, a reserve account or another provider selected for a specific payment channel.

The useful comparison is not which app has the longest feature list. It is which institution owns each balance, which rail serves each customer, who can approve each movement and what evidence reaches the books. The guide to reorganising LLC banking by real use case develops that architecture.

Questions about Revolut Business for a US LLC

Can a non-resident owner open Revolut Business for a US LLC?

The LLC legal form is supported, but approval depends on current residence, operating-presence, identity, activity and verification criteria. The application should be assessed before any promise is made.

Does a US Revolut Business account have local USD details?

Current US documentation describes local USD account and routing details. The company should use the exact ACH or wire details displayed for its account.

Does an EUR balance always include a local European IBAN?

No. Revolut's US guidance lists local USD and GBP details, with SWIFT details for other currencies, including EUR. Holding euros and having local European receiving details are different services.

Is SEPA always cheaper than SWIFT?

An eligible SEPA route is generally treated as local within the scheme, while SWIFT can involve intermediaries. The actual cost still depends on the account, plan, route and receiving bank at the time of transfer.

What exchange rate does Revolut Business use?

Revolut Business publishes an interbank rate within the plan allowance during market hours. The final cost also depends on volume, timing and the payment route. Check the amount you will receive before confirming the exchange.

Can Exentax manage the implementation?

Yes. A specialist review can align the LLC, applicant, supporting evidence, invoicing, payment routes and currency controls around the approved account.

Set up Revolut around the way your LLC does business

Exentax starts with your customers, countries, currencies and suppliers. We assess whether Revolut fits, prepare the supporting documents with your authorization and follow up on the provider's requests through its account-opening decision.

Once the account is active, we help organize the available receiving and payment routes. Where another account serves a useful role, such as local collections or a separate reserve, we plan it alongside Revolut. You get a banking structure built for your business and a team you can turn to as it develops.