Revolut
Banking and spending app with savings and investing add-ons EU & Global
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Overview
Revolut is a banking and spending app with several plans (Standard, Plus, Premium, Metal, Ultra). It offers accounts and cards, currency exchange, Instant Access Savings, an AI assistant called AIR, and investing in stocks and ETFs through Revolut Trading Ltd.
Best for
Europeans who want one app for everyday spending, transfers within the euro area, and optional savings and investing.
Pros
- Free sign-up and free virtual cards
- Free instant transfers to other Revolut users, per Revolut
- Savings and investing in the same app
- Built-in AI assistant (AIR)
Cons
- Standard plan ATM withdrawals are free up to 5 or 200 EUR per month, then 2% (min. 1 EUR) on the Ireland page
- Standard plan exchange limit of 1,000 EUR per month, then a 1% fair usage fee; 1% fee on weekend exchanges (Ireland page)
- Card delivery costs 7.99 EUR on the Standard plan (Ireland page)
- Investing: capital at risk; trades outside the monthly allowance are charged 0.25% on Standard, Plus, Premium and Metal plans
- Features, plans and fees vary by country
Key features
- Account with free virtual cards
- Free instant transfers to other Revolut users and free SEPA payments (Standard plan, Ireland page)
- Currency exchange with monthly plan limits
- Instant Access Savings, up to 4% AER variable on the Ultra plan (rates differ by plan)
- AIR, an AI assistant in the app
- Investing in stocks and ETFs (capital at risk)