Revolut review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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%.
Key facts
- Best for
- A low-cost multi-currency account for everyday spending and travel.
- Monthly fee
- £0↗
- Currency conversion fee
- 0% to 2%↗
- Free ATM withdrawals
- £200↗
- Card type
- Debit↗
- Card network
- Visa↗
- Currencies
- 160↗
- Legal entity
- Revolut Digital Assets (Europe) Ltd↗
- Headquarters
- Cyprus↗
- Founded
- 2015↗
- Support channels
- Chat, Email, Phone, Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- revolut.com
Crypto exchanges
Savings
Credit cards
Loans
- Loan types
- Personal↗
Robo-advisors
- Management fee
- 0%↗
- Investor protection
- FSCS up to GBP 85,000↗
- Account types
- ISA, Joint↗
- Portfolio types
- ETF, Cash, Crypto↗
Facts checked September 26, 2026, 17 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXTrustpilot
Pros and cons
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.
- Savings and investing protection are stated as FSCS up to GBP 85,000 and FSCS up to GBP 85,000.
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 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.
How Revolut compares
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Revolut vs Qonto9.2 vs 8.6
9.2 vs 9.2
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9.2 vs 8.8
9.2 vs 9.0
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9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
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9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where Revolut is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, United States
- Licence in United Kingdom
- Financial Conduct Authority, checked September 26, 2026
- Licence in Lithuania
- LT_BL (PSD_EMI LT_LT_BL_304940980), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
- Licence in Cyprus
- Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 549300ET4IUR6RCZOL84), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
What does Revolut charge for currency conversion?+
Revolut's stated currency conversion fee is 0% to 2%. That range reaches the higher end, so customers making frequent foreign currency conversions should weigh it against Wise's stated fee of 0.1%.
How do Revolut savings accounts work?+
Revolut savings are easy-access accounts with a variable rate of 4%. Access is through the Revolut app, with fee-free withdrawals and no withdrawal limits, and options include ISA and joint accounts.
What protection applies to Revolut savings and investments?+
The stated protection for both savings and investments is FSCS up to GBP 85,000. Revolut's investing service is offered as a Stocks and Shares ISA with a management fee of 0%.
What crypto services does Revolut offer?+
Revolut is listed as a centralised exchange supporting 200 to 230, with a maker fee of 0% and a taker fee of 0.09%. Fiat deposits can be made by card or bank transfer, while derivatives are not offered.
Does Revolut offer credit cards and personal loans?+
Revolut lists a credit card with an APR of 13.34% to 17.99% and an annual fee of €0. Its borrowing proposition is a personal loan, with support available through chat, email, phone and the help centre.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Licences
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Regulators
“ae_homeMemberState=CY”
- coinweb.com/comparison/crypto-friendly-banks/revolut checked September 26, 2026
Backs: Fiat deposit methods
“Payment Methods - Bank, SWIFT, Wire Transfer, Card Transfers”
- cryptoexchange.org.uk/exchanges/revolut-crypto-review checked September 26, 2026
Backs: Withdrawal fee
- en.wikipedia.org/wiki/Revolut checked September 26, 2026
Backs: Currencies, Founded
“supports transfers across more than 160 countries and regions”
- help.revolut.com/en-IE/help/credit-products/credit-cards/... checked September 26, 2026
Backs: Rewards rate, Rewards type
“up to 1.5 points for every EUR1 in eligible purchases”
- moneytothemasses.com/quick-savings/travel-quick-savings/r... checked September 26, 2026
Backs: Card type, Features, Currency conversion fee, Card network
“Revolut debit cards”
- pocketwise.co.uk/banking/revolut/revolut-fees-uk checked September 26, 2026
Backs: Free ATM withdrawals, Monthly fee
“Standard & Plus: £200/month fee-free, then 2% on excess”
- datawallet.com/crypto/best-crypto-exchanges-uk checked September 26, 2026
Backs: Coins listed, Exchange type
“lists over 220 cryptocurrencies”
- datawallet.com/crypto/revolut-crypto-fees checked September 26, 2026
Backs: Derivatives, Maker fee, Taker fee
“maker orders cost 0%”
- revolut.com/contact-us checked September 26, 2026
Backs: Support channels
“in-app chat, email support@revolut.com, phone line, Help Centre”
- revolut.com/en-GB checked September 26, 2026
Backs: Account types, Portfolio types
“Stocks & Shares ISA”
- revolut.com/en-GB/savings checked September 26, 2026
Backs: Headline rate, Minimum deposit, Pricing model, Rate type
“Up to 4% AER (variable) interest paid daily, with our Ultra plan. No withdrawal fees. No minimums. Instant access anytime.”
- revolut.com/en-GB/stocks-and-shares-isa checked September 26, 2026
Backs: Investor protection, Management fee
“There are no custody fees”
- revolut.com/en-IE/credit-cards checked September 26, 2026
Backs: APR, Card kind
“representative example of a Revolut credit card shows a variable interest rate of 13.34% to 17.99% APR”
And 3 more source pages.
Compiled from 18 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.