Revolut — multi-currency account for daily spending & travel
Low fees, fast transfers and budgeting tools make Revolut a strong choice for global spending. You can hold multiple currencies, create virtual cards and earn interest on savings (plan-dependent).
Multi-currency e-money account with budgeting, analytics and savings. Availability, fees and interest rates depend on your country and chosen plan.
| Feature | Details |
|---|---|
| Plans | Standard (free), Plus, Premium, Metal |
| Supported currencies | Hold & exchange 25+ currencies; local account details vary by region |
| FX | Low weekday spread within monthly limits; weekend mark-up beyond limits |
| ATM | Fee-free withdrawals within plan limits; fees apply beyond limits |
| Savings | Vaults with interest (rate varies by market & plan) |
| Security | In-app controls, 3-D Secure, freeze/unfreeze, virtual & disposable cards |
Accounts for companies and freelancers: multi-currency balances, team cards, approvals and integrations.
| Plan | Best for | Core features |
|---|---|---|
| Free | Freelancers / early-stage | Basic multi-currency, limited allowances, simple transfers |
| Grow | Small teams | Invoicing, expenses, approvals, accounting integrations |
| Scale | SMBs | Higher limits, advanced roles & controls, API |
| Enterprise | Larger orgs | Custom pricing, dedicated support, custom compliance |
Debit across all tiers; virtual and disposable cards for safer online payments. Credit/instalments available only in selected markets.
| Card type | Use case | Notes |
|---|---|---|
| Standard debit | Daily spending | Apple/Google Pay, contactless, controls in app |
| Virtual | Online shopping | Instant issue, separate numbers, easy freeze |
| Disposable | One-time payments | Card number rotates after each transaction |
| Metal | Premium | Higher limits, travel perks (plan-dependent) |
| Credit / Pay Later | Selected countries | Eligibility & APR depend on market and profile |
Transparent pricing with local rails where available. Speed & costs depend on route and plan.
| Type | Speed | Fees | FX |
|---|---|---|---|
| Revolut → Revolut | Instant | Usually free | No FX if same currency |
| Domestic (local rails) | Instant / same-day | Often free or low fee | N/A |
| International (SEPA/SWIFT) | Same-day to 2-3 days | Low fee; intermediary bank charges possible on SWIFT | Weekday rates within limits; mark-ups on weekends |
FCA e-money license (country-specific), strong KYC, in-app security.
Interest on savings vaults; rates vary by plan & market.
Intuitive app, instant notifications, virtual cards, Apple/Google Pay.
Low weekday FX within limits; weekend/large-amount mark-ups apply.
Pros
- Fee-free starter account
- Low-cost transfers within weekday limits
- Savings vaults with interest
- Budgeting tools and analytics
Cons
- Less competitive FX on weekends/outside limits
- Large transactions may incur extra fees
- No classic overdraft like a traditional bank
Revolut is a UK fintech that lets you trade stocks with low fees. You can open an account fully online and it is quick. The mobile app is simple and easy to use. It works well for beginner investors.
There are downsides. It does not offer mutual funds or options. Research and education tools are basic. Customer support often answers only simple questions.
There have also been issues in the news. In 2023 the company filed its annual report late. There are reports of scammers targeting Revolut users and complaints that Revolut did not compensate some victims. Use your account with care.
For EEA customers, trading moved to Revolut Securities Europe UAB (RSEUAB). After this move there is no individual SIPC cover. Instead there is a single limit of USD 500,000 shared by all RSEUAB accounts. Protection for EEA users changed to EUR 22,000, down from EUR 100,000.
Plans and Pricing
-
Standard
Core tools for free. -
Plus
Smarter limits and perks. -
Premium
Better rates and subs. -
Metal
Travel and insurance. -
Ultra
Top tier benefits.
| Feature | Standard Free Intro offer |
Plus EUR 3.99/mo billed monthly Intro offer |
Premium EUR 7.99/mo billed monthly Intro offer |
Metal EUR 14.99/mo Intro offer |
Ultra EUR 55/mo Intro offer |
|---|---|---|---|---|---|
| Card style | Standard card | Plus card with name | Premium card with name | Metal card | Platinum plated card |
| Points on spend | 1 point per 10 EUR | 1 point per 10 EUR | 1 point per 4 EUR | 1 point per 2 EUR | 1 point per 1 EUR |
| Support channel | In-app chat | Priority chat | Priority chat and call | Priority chat and call | Priority chat and call |
| International transfers fee | Standard fees | 20% discount | 40% discount | Free | Free |
| ATM withdrawals fee-free | 200 EUR/mo or 5 withdrawals | 200 EUR/mo | 400 EUR/mo | 800 EUR/mo | 2000 EUR/mo |
| Savings interest AER variable | up to 3.51% | up to 3.51% | up to 3.75% | up to 4.00% | up to 4.50% |
| Pro cashback | 0.4% | 0.4% | 0.6% | 0.8% | 1.0% |
| Under 18 accounts | up to 5 plus co-parent | up to 5 plus co-parent | up to 5 plus co-parent | 5 plus co-parent | 5 plus co-parent |
| Airport lounge access | Available to buy | Available to buy | Discounted | Discounted | Unlimited |
| FX with no extra fees Mon-Fri | 1000 EUR/mo | 3000 EUR/mo | No fair usage limit | No fair usage limit | No fair usage limit |
| Weekend FX markup | 1.0% | 0.5% | No fee | No fee | No fee |
| Travel insurance bundle | Not included | Not included | Medical cover up to 10m per year | Medical plus extras | Full bundle incl winter sports |
| eSIM data | Available to buy | Available to buy | Available to buy | Available to buy | 3 GB global data per month included |
| Commission-free stock trades | 1 per month | 3 per month | 5 per month | 10 per month | 10 per month |
| Commodities service fee | 0.99% min 1 EUR | 0.99% min 1 EUR | 0.49% min 1 EUR | 0.49% min 1 EUR | 0.49% min 1 EUR |
Revolut – Top 20 countries by reported users (2026)
| Rank | Country | Users (approx.) |
|---|---|---|
| 1 |
United Kingdom
|
~12,000,000 |
| 2 |
Spain
|
~5,000,000 |
| 3 |
France
|
~5,000,000 |
| 4 |
Poland
|
~5,000,000 |
| 5 |
Romania
|
~4,300,000 |
| 6 |
Italy
|
~4,000,000 |
| 7 |
Ireland
|
~3,000,000 |
| 8 |
Germany
|
~2,500,000 |
| 9 |
Portugal
|
~2,000,000 |
| 10 |
Hungary
|
~2,000,000 |
| 11 |
Greece
|
~1,600,000 |
| 12 |
Netherlands
|
~1,000,000 |
| 13 |
Switzerland
|
~1,000,000 |
| 14 |
Czechia
|
~1,000,000 |
| 15 |
Sweden
|
~800,000 |
| 16 |
Belgium
|
~750,000 |
| 17 |
Bulgaria
|
~670,000 |
| 18 |
Lithuania
|
~640,000 |
| 19 |
Slovakia
|
~204,000 |
| 20 |
Slovenia
|
~116,000 |
Most FAQble Questions about Revolut Bank
-
Revolut started in the United Kingdom and expanded across several regions. The group headquarters are in London, while EU services are provided by a licensed banking entity and other regulated subsidiaries by country.
-
Card spending in foreign currencies is low cost on weekdays within your plan allowance. Weekend markups and out-of-allowance FX or ATM fees may apply, and specific limits depend on your plan and market.
-
Over the counter cash deposits are generally not supported. You can add funds by bank transfer, card top up, or payroll; in some countries, limited cash options may be available via partners.
-
Revolut issues both Mastercard and Visa cards. The network you receive depends on your country and stock availability, and both are widely accepted online and in store.
-
Report unauthorized activity in the app as soon as possible. Decisions follow local regulations and card scheme rules; for authorized push payment scams, refunds depend on the case and are not guaranteed.
-
The app offers two factor authentication, biometric login, instant card freeze, and disposable virtual cards. Depending on region and account type, funds are safeguarded or covered by local deposit protection schemes.