Revolut UK review
Updated October 17, 2026 · SumCue Editorial Team
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Our verdict
For readers in the UK managing everyday money and investing in one place, Revolut UK works as a broker linked to app based accounts and cards. It suits people who want easy access savings alongside joint and ISA options with multi currency and investing choices.
Key facts
- Best for
- Everyday money with investing and travel use
- Minimum deposit
- £0↗
- Regulators
- Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Currency conversion fee
- 0% to 2%↗
- Account types
- ISA, Joint↗
- Legal entity
- Revolut Digital Assets (Europe) Ltd↗
- Headquarters
- Cyprus↗
- Founded
- 2015↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Pricing model
- No annual fee
- Official website
- revolut.com
Credit cards
Savings
Robo-advisors
Facts checked September 26, 2026, 13 sources
Pros and cons
Pros
- Easy access account opened and managed through the Revolut app
- Joint and ISA account choices alongside ETF, cash and crypto portfolios
- Multi currency handling with virtual card support for travel spending
Cons
- Investments carry risk, and the value of holdings can fall as well as rise.
- Investing happens on an execution only basis, so every decision rests with the investor.
Who it suits
- People combining savings, cards and investing in one app
- Travellers handling more than one currency day to day
Who should look elsewhere
- Investors who want a firm to recommend which shares to buy.
- People who want only a traditional bank with local branches.
Investing in shares and funds
Investing sits alongside everyday banking, so people can buy shares from large, widely known companies without moving money to another platform. The range of stocks and exchange traded funds is broad, which gives investors many routes into different parts of the market. Trades are carried out on an execution only basis, meaning the service places orders as instructed and does not recommend what to buy. Each investor makes personal decisions, and the value of any holding can rise or fall over time.
Protection and everyday security
The service follows a layered approach to security, with defences designed around the needs of a digital bank. Monitoring runs continuously, which means unusual activity can be flagged at any hour. Alerts sent to a phone add another layer of watchfulness, and checking recent transactions regularly helps people spot anything unfamiliar early. Keeping the device and private codes out of other hands remains an important habit alongside these built in safeguards.
A large digital bank
The business operates as a digital bank with a very large customer base spread across many countries. Its model keeps most activity inside one place, which brings spending, payments and investing together. People who value having many everyday money tasks in one place will find that approach appealing. Those who prefer face to face banking in a local branch will find a digital only setup quite different from what they know.
Written for the United Kingdom
The United Kingdom version of the offer is the one aimed at people who live and bank in that market. Features and everyday tools are arranged with that market in mind, so people there find the range of options relevant to daily life. Investment products carry risk, and a loss of capital is possible, so the strength of the service does not remove that risk. Anyone unsure whether an investment suits their own situation should seek professional guidance before committing money.
How Revolut UK compares
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9.4 vs 8.6
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
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Where Revolut UK is available
- 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
- Licence in United States
- SIPC (SIPC member 70365), checked September 26, 2026
Frequently asked questions
Which products does Revolut UK cover as a broker?+
Revolut UK covers brokerage with easy access savings alongside joint and ISA account types. Portfolios include ETF, cash and crypto holdings. Card use includes debit and credit options with virtual card support.
Who is Revolut UK suited to?+
It suits people who prefer managing savings and investing through an app. Multi currency features and travel support help everyday use abroad. Joint account choices also support shared household money.
How do its savings and investing options work together?+
Customers hold easy access savings in the Revolut app and choose joint or ISA structures. Investing sits alongside in ETF, cash and crypto portfolios. Multi currency tools link balances to card spending and travel.
What is the minimum deposit at Revolut UK?+
The minimum deposit at Revolut UK is £0. (Source, checked September 26, 2026)
Which regulators oversee Revolut UK?+
Revolut UK is overseen by Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC. (Source, checked September 26, 2026)
What currency conversion fee does Revolut UK charge?+
The currency conversion fee at Revolut UK is 0% to 2%. (Source, checked September 26, 2026)
What account types does Revolut UK offer?+
Revolut UK offers these account types: ISA, Joint. (Source, checked September 26, 2026)
Which company operates Revolut UK?+
Revolut UK is operated by Revolut Digital Assets (Europe) Ltd. (Source, checked September 26, 2026)
Where is Revolut UK based?+
Revolut UK is based in Cyprus. (Source, checked September 26, 2026)
When was Revolut UK founded?+
Revolut UK was founded in 2015. (Source, checked September 26, 2026)
Sources
- sipc.org/list-of-members checked September 26, 2026
Backs: Licences
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Investor protection, Legal entity, Regulators
“ae_homeMemberState=CY”
- en.wikipedia.org/wiki/Revolut checked September 26, 2026
Backs: Currencies
“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”
- revolut.com/en-GB checked September 26, 2026
Backs: Account types, Portfolio types
“Stocks & Shares ISA”
- revolut.com/en-GB/contact-us checked September 26, 2026
Backs: Support channels
“via our secure in-app chat, or call us in-app”
- revolut.com/en-GB/discover-our-company checked September 26, 2026
Backs: Founded
“Nik Storonsky launched Revolut in 2015”
- revolut.com/en-GB/savings checked September 26, 2026
Backs: Headline rate, Minimum deposit, 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: 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”
- revolut.com/en-IE/legal/Credit-fees checked September 26, 2026
Backs: Annual fee, Pricing model
“no admin fee is charged for Revolut credit cards”
- revolut.com/legal/clearbank-savings-terms checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection
“You can transfer money into or withdraw money out of your Instant Access Savings with your Revolut account at any time via the Revolut app. ... There are no withdrawal limits that apply to your...”
Compiled from 15 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Markets, Retail accounts that lose money.