What you hold
US Revolut Business banking services are provided by Lead Bank, Member FDIC. Bancoli’s Smart USD displays stablecoins in self-custody, not a bank deposit. These are different custody and protection models.[3] [11]
Bancoli vs Revolut Business · United States
Multi-currency operations.Or stablecoin-first payments.
Revolut Business brings currency accounts, company cards and team spending together. Bancoli connects self-custodial stablecoins, invoicing and available supplier-payment routes. Choose the workflow your business needs.[1] [9] [11]
Bank-payment features require approval. Check eligibility before applying.
Bancoli
From customer payment to supplier payout
- Receive USD or supported stablecoins
- Hold supported stablecoins in self-custody
- Pay suppliers on available routes
Smart USD displays supported stablecoins held in your self-custodial wallet. These assets are not bank deposits and are not FDIC insured.[11]
Reviewed 29 October 2026
Revolut features and prices below refer to US Business accounts. Crypto services differ by market; US Business crypto availability has not been established for this comparison.
Find your fit
Start with the work your money needs to do.
A team buying in several currencies has different needs from a business collecting stablecoins and paying suppliers. Both deserve a clear view of the tradeoffs.
Consider Revolut Business
When currency balances, company cards and employee spending are central to your day. Advanced controls depend on the plan.[1]
A workflow that works for you
Keep your operating model in focus.
How you get paid
Revolut US accounts include local ACH and wire details. Eligible Bancoli businesses can receive supported stablecoins and approved USD payments over available ACH and RTP routes.[6] [12] [11]
How your team works
Revolut offers company cards and plan-based spending controls. Bancoli’s Free plan includes creating and tracking invoices, with paid plans adding features and allowances.[1] [9]
Compare the plan. Then compare the payment.
The subscription is one part of the decision. Check the currency, monthly volume, receiving method and payout route you actually use.
Revolut Business Basic · US
$10
per month
Includes $1,000 of monthly FX allowance. Above it, a 0.6% fee applies; exchanges outside market hours carry a 1% fee. Transfer fees may also apply.[2]
Bancoli Free
$0
monthly membership
Includes invoice creation and supported stablecoin features. Transaction and conversion charges can apply. FX allowances and currency tiers are listed on the pricing page.[9]
Bancoli’s included FX volume and charges vary by plan and currency. An included allowance is not unlimited free conversion. Check the current quote and pricing before sending.[9]
The details that shape your day.
| What matters | Revolut Business | Bancoli |
|---|---|---|
| Money held and protection | US banking services through Lead Bank, Member FDIC. Deposit coverage is subject to applicable limits and conditions.[3] [7] | Supported stablecoins in self-custody, displayed as Smart USD. Not a bank deposit; no FDIC insurance.[11] |
| Receiving USD | Local US account details for ACH and domestic wires.[6] | Available ACH and RTP receiving routes require approval. Received USD converts into the supported stablecoin held in your wallet.[12] [11] |
| Stablecoin services | Offered in supported markets. Verify availability for your business entity and region; US availability is not established here.[8] | Supported stablecoins are part of the self-custodial workflow, subject to eligibility and asset availability.[11] [13] |
| Cards and team spending | Company cards and team tools. Advanced controls vary by plan.[1] | A focus on invoicing and supplier payments; check current plan features against your team’s needs.[9] |
| Converting and paying | Plan-based FX allowances; additional exchange and transfer charges can apply.[2] | Supplier payouts in 40+ supported currencies. Currency tiers, plan allowances and additional charges apply.[9] [13] |
| Who can apply | Eligible US entities with required US physical-presence and EIN documents. Eligible non-US resident founders may apply.[4] [5] | Supported business jurisdictions and beneficial-owner tax residences. US registrations are limited to supported states; approval is required.[10] [11] |
Product availability, fees and approval requirements can change. This is a comparison of published features, not a promise of account approval or a quote for a particular payment.
Check eligibility before you choose.
For Revolut’s US Business account, your company must be US-incorporated and provide the required US physical-presence and EIN documents. Non-US residents may apply if they live in an eligible country.[4] [5]
Bancoli checks business registration and each beneficial owner’s tax residence. US registrations must be in a supported state; many US states are not supported. Account eligibility does not guarantee every payment rail or destination.[10] [11]
Check Bancoli eligibilityA few useful answers.
Revolut advertises crypto and stablecoin services in supported markets. That does not establish availability for every US Business entity. Check its Crypto for Business page and the services offered to your entity before choosing.[8]
No. Smart USD displays supported stablecoins held in your self-custodial wallet. Those assets are not bank deposits and are not FDIC insured. Self-custody has responsibilities and asset risks; it is not a substitute for deposit insurance.[11]
Sources, with the details in view.
Based on the official product, pricing and eligibility pages below, reviewed on 29 October 2026. Our “best fit” guidance is an editorial judgment based on these features.
- 01Revolut Business US plan pricing
- 02Revolut US Business Basic fees
- 03Revolut US Business terms
- 04Revolut Business eligibility for non-US residents
- 05Revolut US Business eligible countries
- 06Revolut US Business account details
- 07Revolut US business account for overseas founders
- 08Revolut Crypto for Business
- 09Bancoli · pricing and allowances
- 10Bancoli · account eligibility
- 11Bancoli · terms and custody
- 12Bancoli · Smart USD and receiving payments
- 13Bancoli · stablecoins for business
Competitor information refers to the US business offering unless a regional limitation is stated. Follow the current provider terms if a page has changed.
Build around the way you get paid.
Start with supported stablecoins and invoicing. Apply for bank-payment features when you need them. Availability depends on your business, location and approval.