Updated September 28, 2026 · SumCue Editorial Team
J&T Direktbank vs Revolut
J&T Direktbank
Higher score in this comparison
Revolut
Where J&T Direktbank and Revolut differ
| Compare | J&T DirektbankReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Headline rate | 2.25% | 4%Higher |
| Minimum deposit | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Daily availability; interest paid monthly to the Tagesgeld account | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB) | Cyprus Securities and Exchange Commission (CySEC), LT BL |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- J&T Direktbank scores higher overall: 9.3 vs 9.2.
- Regulators: only J&T Direktbank offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB).
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at J&T Direktbank: 1998 vs 2015.
- Revolut is licensed in 1 more country.
- Revolut is available in 27 more countries.
- Headline rate is higher at Revolut: 4% vs 2.25%.
- Support channels: only Revolut offers Chat, Help centre.
Our verdict on each
J&T Direktbank
J&T Direktbank suits savers who want euro cash parked without paying a monthly charge, and who do not need to lock the money away. Its overnight account pays 2.25% at a variable rate, with an account fee of €0 and a minimum deposit of €0.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | J&T Direktbank | Revolut |
|---|---|---|
| Cost | 9.5Higher | 9.4The debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 8.8Account fee of €0 and a minimum deposit of €0 are the strong side, while 2.25% trails the site median of 3%. | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 9.4Higher | 8.5 |
Where they rank in our lists
| Ranking | J&T Direktbank | Revolut |
|---|---|---|
| Savings | 19 of 1492 | 22 of 1492 |
| Savings accounts | 12 of 658 | 14 of 658 |
| Investing | 23 of 654 | 139 of 654 |
Every fact side by side
| Fact | J&T Direktbank | Revolut |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | J&T BANKA, a.s., Zweigniederlassung Deutschland | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Czechia | Cyprus |
| Founded | 1998Lower | 2015 |
| Support channels | Email, Phone | Chat, Email, Phone, Help centreCovers more |
Crypto exchanges
| Fact | J&T Direktbank | Revolut |
|---|---|---|
| Taker fee | Not confirmed | 0.09% |
| Coins listed | Not confirmed | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Features | Not confirmed | Multi currency, Virtual card, Travel |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Not confirmed | Cex |
Credit cards
| Fact | J&T Direktbank | Revolut |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Not confirmed | Credit |
Loans
| Fact | J&T Direktbank | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Robo-advisors
| Fact | J&T Direktbank | Revolut |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, Joint |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | J&T Direktbank | Revolut | Median |
|---|---|---|---|
| Headline rate | 2.25%below the median | 4%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
J&T Direktbank
Pros
- The account fee is €0 and the minimum deposit is €0, so small balances work.
- Deposits are covered by EU DGS up to EUR 100,000.
- Daily availability, with interest paid monthly on a variable rate of 2.25%.
Cons
- The rate is variable, so the 2.25% figure can fall with monetary policy.
- Support runs on email and phone only, with no branch network and no in-app chat.
- The account is a German branch of a Czech bank, J&T BANKA, a.s., Zweigniederlassung Deutschland, with a home country of CZ.
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
Who each suits
J&T Direktbank
Who it suits
- Euro savers who want daily access and can leave the balance in place.
- Savers who value a fee-free account, with an account fee of €0 and a minimum deposit of €0.
- Readers comfortable with a variable rate paid monthly, under supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB).
Who should look elsewhere
- bunq, which lists a minimum deposit of €10 where this account takes €0.
- CFI, whose minimum deposit of $0 is set in dollars rather than euro, for anyone saving in US currency.
- Fiesta Credito MX, supervised by CONDUSEF rather than Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB), if you need cover in another market.
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
Country by country
| Country | J&T Direktbank | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 29 countries where either is available.
Questions about each
J&T Direktbank
What does J&T Direktbank pay on its euro cash account?+
The overnight deposit pays 2.25%, and the cash interest is listed as 2.25%. The rate is variable, so it can move with monetary policy rather than being fixed for a term. Money stays available daily and interest is credited to the account monthly.
What does it cost to hold the account?+
Nothing to hold. The account fee is €0, the monthly fee is €0 and the minimum deposit is €0, so there is no balance to maintain and no charge to avoid. The only thing that matters is leaving enough in the account to earn the rate.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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