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Revolut AU review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Revolut AU suits households that want a single app for a credit card, a debit card and easy-access savings, with an annual fee of €0 and a currency conversion fee of 0% to 1%. The catch is borrowing, where 13.34% to 17.99% sits above the site median of 16%.

Key facts

Best for
A credit card with an annual fee of €0 for multi-currency spending, with easy-access savings in the same app.
Annual fee
€0↗
APR
13.34% to 17.99%↗
Currency conversion fee
0% to 1%↗
Rewards type
Points↗
Rewards rate
1.5 points per EUR1↗
Card kind
Credit↗
Legal entity
Revolut Digital Assets (Europe) Ltd↗
Headquarters
Cyprus↗
Founded
2015↗
Support channels
Chat, Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
revolut.com

Savings

Headline rate
4%↗
Rate type
Variable↗
Minimum deposit
£0↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits↗
Monthly fee
£0↗
Account kind
Easy access↗

Debit cards

Free ATM withdrawals
£200↗
Card type
Debit↗
Card network
Visa↗
Currencies
160↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataXLinkedInTrustpilot

Pros and cons

Pros

  • Annual fee €0 on the credit card and monthly fee £0 on the debit card.
  • Currency conversion fee of 0% to 1% on a visa debit card, with 160 currencies supported.
  • Savings pay 4% on a variable rate with a minimum deposit of £0.
  • Credit card spending earns 1.5 points per EUR1 in points.

Cons

  • Borrowing costs more here than elsewhere on the site: 13.34% to 17.99% against a site median of 16%.
  • Only part of a large savings balance is protected, with the cover set at FSCS up to GBP 85,000.
  • The free cash machine allowance is £200, and withdrawals beyond it are charged by the provider.
Revolut AU

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Households that spend in several currencies and want a card with an annual fee of €0.
  • People who keep savings alongside card spending and want easy access access with fee-free withdrawals and no withdrawal limits.
  • Points earners who clear the balance each month and use the visa debit card daily.

Who should look elsewhere

  • Those who mainly move money rather than spend on a card: Wise charges £0 a year, while Revolut pays 1.5 points per EUR1 on credit card spending.
  • People building credit rather than spending abroad: Varo Believe Secured Credit Card charges $0 a year as a secured card.
  • Single market spending with no balance to clear: Starling Personal Account Debit Card costs £0 a year, so the 13.34% to 17.99% here does not apply.

Rates and terms

Savings pay 4% on a variable rate, so the return can rise or fall with the base rate instead of being fixed for a set term. The credit card charges 13.34% to 17.99% on money kept on the balance, and that figure decides whether revolving spending is worth it. Clearing the balance each month means that rate never applies.

How Revolut AU compares

Where Revolut AU is available

Available
Australia
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
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

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the Revolut card cost to hold?+

The credit card's annual fee is €0 and the debit card's monthly fee is £0. Spending in another currency adds 0% to 1%, so the running cost depends on how often you convert and whether a balance is carried.

What do I pay for borrowing on the credit card?+

Interest on balances in the EU runs at 13.34% to 17.99%, above the site median of 16% for credit cards. The card is a credit card with an annual fee of €0, so clearing the balance each month is what keeps interest away.

What does it cost to spend abroad?+

The currency conversion fee is 0% to 1% on a visa debit card, with 160 currencies supported. That is no higher than the site median of 1%, which keeps holiday spending among the cheaper ways to use a card.

What rate do the savings pay, and how much must I deposit?+

Savings pay 4% on a variable rate, above the site median of 3%. The minimum deposit is £0, so the balance can start small and grow in the app, with fee-free withdrawals whenever you want the cash.

Is my savings money protected?+

Savings balances in the UK carry FSCS up to GBP 85,000, so deposits within that limit are covered by the scheme and larger balances are not. The account is easy access, with instant access in the app, fee-free withdrawals and no withdrawal limits.

Who regulates Revolut, and which entity stands behind the account?+

Authorisation in Cyprus comes from the Cyprus Securities and Exchange Commission, listed as MiCA CASP 549300ET4IUR6RCZOL84, with a second register entry under PSD_EMI LT_LT_BL_304940980. The group entity is Revolut Digital Assets (Europe) Ltd, headquartered in Cyprus.

What do I earn for spending on the card?+

Spending earns 1.5 points per EUR1 in points, and rewards are the only card feature listed for the credit card. Points suit people who use the card often, while clearing the balance each month keeps 13.34% to 17.99% from applying.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

Revolut AU

Revolut AU

A credit card with an annual fee of €0 for multi-currency spending, with easy-access savings in the same app.

9.1/10Visit