Flexible Cash Funds
Turn your idle business cash into investments
Invest your company's spare cash in low-risk money market funds, and earn variable returns at great rates, accrued daily. Capital at risk. The value of investments can go down as well as up. T&Cs apply.
Invest in 3 currencies
Earn returns accrued every day, depending on each fund’s performance, with flexible withdrawals.³ And make sure your business' spare cash is always working — even when you're not.
Up to4.17%
APY¹ on GBP
Up to4.48%
APY¹ on USD
Up to2.07%
APY¹ on EUR
¹ % interest is presented as the fund 7 day net yield gross of Revolut service fees for USD (4.48%), for GBP (4.17%), for EUR (2.07%) as of 31/8/25 and is based on information provided by the fund manager, subject to change daily. Refer to the app for the latest annual percentage yield “APY” after service fees. Your capital may be at risk. The underlying money market funds' 1 year performances ending 31/8/25 are USD (4.8%), for GBP (4.8%) and EUR (2.8%) on a single pricing basis, assuming distributions are reinvested with applicable charges. Past performance is not indicative of future performance. This advertisement has not been reviewed by the Monetary Authority of Singapore.
What are Flexible Cash Funds?
Flexible Cash Funds are a way to grow your money by investing in money market funds. The USD, EUR, and GBP funds invest in bank deposits and bonds. Banks and large corporations have used these types of funds for years to protect against inflation, amongst other reasons, while keeping the risk of capital loss low.Visuals including APYs, invested amounts, and returns paid are shown for illustrative and informational purposes only.
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Easily access your funds
Add and withdraw money from Flexible Cash Funds without any fees or restrictions from us. Withdrawals typically land in your Business account within 2 business days⁴ — and you can make them extra secure by activating Wealth Protection, our advanced facial recognition technology.
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Invest with no limits
We don’t do minimum or maximum investment amounts. You’re free to open up to 100 Flexible Cash Funds for your business across the available currencies (EUR, USD, or GBP) — with no limit on how much you can invest.
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Track every movement
Connect your Flexible Cash Funds to your accounting software and see your withdrawals, top-ups, and returns in one place. Your data automatically syncs, saving you hours of admin while keeping your transactions accurate.
Grow your moneyGreat rates, flexible plans
Net annual return rates on EUR (variable)
Net annual return rates on GBP (variable)
Net annual return rates on USD (variable)
Currency rate fluctuations can adversely impact the overall returns on your original investment. Past performance is not a reliable indicator of future results.
% interest is presented as the fund 7 day net yield net of Revolut service fees for each plan as of 31/8/25 and is based on information provided by the fund manager, subject to change daily. Refer to the app for the latest annual percentage yield “APY” after service fees. Your capital may be at risk. The underlying money market funds' 1 year performances ending 31/8/25 are USD (4.8%), for GBP (4.8%) and EUR (2.8%) on a single pricing basis, assuming distributions are reinvested with applicable charges. Past performance is not indicative of future performance. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Invest strategically, without limits
Need a little more help?
FAQs
Flexible Cash Funds are available for all businesses on our Grow, Scale, and Enterprise plans. They're not available to Basic plan customers at the moment.
Also, for specific reasons — like your business having multiple tax residencies — we might restrict your access to Flexible Cash Funds.
You can find more information in our Flexible Cash Funds FAQs.When you add or withdraw money through Flexible Cash Funds, you're buying or selling shares in a money market fund in the same currency — either EUR, USD, or GBP.
Within each fund, there may be different share classes. The share class available to you is Class R Flex Distributing shares of these short-term and actively-managed money market funds:
- The USD Fund (ISIN IE000H9J0QX4)
- The Euro Fund (ISIN IE000AZVL3K0)
- The Sterling Fund (ISIN IE0002RUHW32)
The USD Fund, Euro Fund, and Sterling Fund are Low Volatility Net Asset Value (LVNAV) money market funds, which invest in:
- high-quality and liquid money market instruments, like government securities, bank obligations, and commercial paper
- high-quality securitisations and asset-backed commercial paper deposits with credit institutions
- repurchase agreements and reverse repurchase agreements
- shares in other money market funds
The money market funds you invest in through our Flexible Cash Funds are sub-funds of Fidelity Institutional Liquidity Fund plc, a UCITS open-ended umbrella fund authorised by the Central Bank of Ireland (CBI) (registration number: 235175).
The fund manager is FIL Investment Management (Luxembourg) S.à.r.l., Ireland Branch, which is authorised by the Commission de Surveillance du Secteur Financier (CSSF) (registration number CCSF: S00000593; CBI: C137514).
The fund manager has appointed an investment manager and delegated the fund’s portfolio's day-to-day management to FIL Investments International.
For more information, please read the fund's Prospectus and the respective Key Information Documents (KID), available on the fund's website and in the Revolut Business app.
You can find more information in our Flexible Cash Funds FAQs.Low Volatility Net Asset Value (LVNAV) money market funds are short-term, and primarily invest in money market instruments, deposits, and other short-term assets. Units in the fund are purchased or redeemed at a constant price, so long as the value of the underlying assets doesn't deviate by more than 0.2% (20bps). Yield is the main factor in the fund's value.
Constant Net Asset Value (CNAV) money market funds are also short-term, but these invest mostly in government assets. Units in the fund are purchased or redeemed at a constant price.
Find out more in our Flexible Cash Funds FAQs.Yes — you can open up to 100 Flexible Cash Funds across any of the 3 available currencies, with no minimum or maximum investment amounts. Each currency (EUR, USD, and GBP) represents a different money market fund. Each fund performs differently, and fees will vary depending on your plan and region.
Find out more in our Flexible Cash Funds FAQs.There are no account opening or closing charges. However, we do charge a small service fee to cover our costs of service, which is automatically deducted from the daily returns you accrue.
The Ex-ante Costs and Charges Disclosure is available in the Savings & Funds section of your app under Regulatory documents.
It’s your responsibility to find out whether you need to declare and/or pay tax on your Flexible Cash Funds investments. We won’t process your tax payments proactively and send them to relevant tax authorities. We’ll only withhold or levy taxes to you if we’re mandated to perform that obligation to comply with relevant laws in certain jurisdictions.
You should seek independent tax advice if you have any questions. We don’t provide tax advice.
Find out more in our Flexible Cash Funds FAQs.APY stands for Annual Percentage Yield, and represents the return on investments net of fees. So, APY refers to the return you'd earn by investing in a money market fund (through Flexible Cash Funds) assuming a holding period of 12 months if the rate remained constant (which in practice varies daily).
The APY varies by fund based on the performance, as well as by plan and region depending on the fees.
More information on APYs and fees per subscription plan are available in our Flexible Cash Funds FAQs and in the Ex-ante Costs & Charges Disclosure.
²The funds are rated AAA-mf by Moody’s and AAAm by Standard & Poor’s. These ratings were solicited by the manager of the fund, and financed by either the manager or the fund. Funds are not guaranteed investments. They do not rely on external support to guarantee their liquidity or stabilise the net asset value of their shares.
³When selling your shares in the money market funds available, the sale proceeds can take up to 2 business days to reach your Revolut Business account. Exceptionally, the sale of your shares could take longer or be charged exit fees in those situations described in the Prospectus, like stressed market conditions.
Investment services in Singapore are provided by Revolut Securities Singapore Pte. Ltd. Information contained herein is not a personal recommendation, investment advice, or offer to take any investment decision. Therefore, you must carefully consider your financial situation, review relevant documents and information, or seek professional independent advice before entering into financial transactions or subscribing to new investment services. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Revolut Securities Singapore Pte. Ltd. (“RSSPL”) is registered in Singapore with Unique Entity Number 202102782K. RSSPL’s registered address is 36 Robinson Road, #20-01, City House, Singapore 068877. RSSPL is regulated as a Capital Markets Services licensee by the Monetary Authority of Singapore (“MAS”). For more details, you can refer to the MAS website.
More information is available in the Ex-ante Costs & Charges Disclosure. T&Cs apply.
FIDELITY and FIDELITY INTERNATIONAL are trademarks of FIL Limited and are used with its permission. Visit the FIDELITY website for further information.