Revolut Review 2026: Features, Fees, and EU Regulatory Status
Overview
The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers
Regulatory Status & Deposit Protection
Full EU banking license via Bank of Lithuania (ECB supervised); UK e-money institution (full UK banking license expected 2026); EUR 100,000 deposit protection (Lithuanian DGS)
Pricing Plans
| Plan | Price | Key Perks |
|---|---|---|
| Standard | Free | Free, 1 commission-free trade/month |
| Plus | €3.99/mo | 3 free trades/month |
| Premium | €7.99/mo | 5 free trades/month, travel insurance |
| Metal | €14.99/mo | 10 free trades/month, metal card, cashback |
| Ultra | €45/mo | 10 free trades, lowest commissions, concierge |
Key Features
- Multi-currency accounts in 36+ currencies at interbank rates
- Spending and ATM withdrawals in 120+ currencies
- Stock, ETF, and fractional share trading (4,000+ instruments)
- 280+ cryptocurrencies trading
- Savings vaults with competitive interest rates
- Budgeting, analytics, and spending categorization
- Travel and phone insurance (Premium/Metal tiers)
- RevPoints loyalty rewards program
Pros & Cons
✅ Pros
- • Multi-currency accounts in 36+ currencies at interbank rates
- • Spending and ATM withdrawals in 120+ currencies
- • Stock, ETF, and fractional share trading (4,000+ instruments)
- • 280+ cryptocurrencies trading
- • Savings vaults with competitive interest rates
❌ Cons
- • Automated fraud algorithms cause sudden unexplained account freezes
- • No telephone customer support — chat only
- • Reduced EU investor protection (€22,000 vs. €100,000 for EEA users)
- • Scam victims often not reimbursed for authorized transactions
- • Trading fees less competitive than dedicated brokers
- • Basic charting without paid Trading Pro add-on
Who Is Revolut Best For?
International travelers, expats, retail investors, freelancers, and globally-operating businesses seeking multi-currency banking
Travel Features
Compare all banks for travel →Foreign Exchange
No markupMid-market rate up to €1,000/month on Standard; limit rises with tier (€3K Plus, €5K Premium, €20K Metal, Unlimited on Ultra). Weekend surcharge applies on Standard/Plus.
ATM Abroad
€200 free/moFree ATM limit: €200 Standard, €400 Plus/Premium, €800 Metal, €2,000 Ultra. 2% fee after limit.
Travel Insurance
- ✓ Medical expenses (up to €30M)
- ✓ Trip cancellation
- ✓ Delayed or lost luggage
- ✓ Flight delays
Underwritten by various insurers depending on country. Premium: travel + phone. Metal: adds rental car excess. Ultra: all inclusive.
Airport Lounge
LoungeKey (Metal: paid per visit ~€25; Ultra: unlimited free access)
700+ airport lounges via LoungeKey network
Multi-Currency
Hold and exchange 36+ currencies at interbank rates; spend in 120+ currencies via Mastercard
✈️ Travel Perks
- • RevPoints rewards on travel bookings (hotels, flights)
- • No foreign transaction fees up to monthly FX limit
- • Real-time spending notifications and location-based security
- • Disposable virtual cards for online bookings
- • Multi-stop trip insurance activation in-app
Services: Crypto, Investing & Savings
Cryptocurrency
Available- • Buy & sell 280+ cryptocurrencies
- • Deposit crypto from external wallets
- • Withdraw to external wallets
- • Convert crypto to fiat and spend instantly
- • Real-time crypto price alerts
- • Recurring crypto purchases
Custodial (Revolut holds keys); EU MiCAR authorised
Compare crypto across EU neobanks →Investments
AvailableMiFID II investment firm; reduced EU investor protection (€22,000 vs €100,000)
Compare investing across EU neobanks →Savings
AvailableECB-linked; rate varies by plan tier
~2.11% on Standard; ~2.58% on Premium; ~3.49% on Metal/Ultra
Compare savings rates across EU neobanks →Business Banking
AvailableAccounting: Xero, QuickBooks, FreeAgent, Sage
5M+ business customers globally. Full EU banking licence via Lithuania (€100K EDIS). Most feature-rich business neobank with multi-currency, crypto payouts, and expense management. Freelancer Basic tier is free.
Compare all business accounts →Premium Plans
Compare all banks' premium plans →- • 1 free stock trade/month
- • Real-time notifications
- • Multi-currency accounts
- • Up to €200 fee-free ATM/month
- • 3 free trades/month
- • Priority customer support
- • Overseas medical insurance
- • Custom card design
- • 5 free trades/month
- • Travel + phone insurance
- • Delayed baggage cover
- • Fee-free global spending up to €5,000/month
- • Metal card (stainless steel)
- • 10 free trades/month
- • Rental car insurance
- • LoungeKey access (paid per visit)
- • 0.1% cashback
- • Unlimited fee-free FX
- • Unlimited lounge access
- • Personal concierge
- • Lowest trading commissions
- • Exclusive metal card design
| Feature | Standard Free | Plus €3.99/mo | Premium €7.99/mo | Metal €14.99/mo ★ Best value | Ultra €45/mo |
|---|---|---|---|---|---|
| Metal card | — | — | — | ✓ | ✓ |
| Travel insurance | — | — | ✓ | ✓ | ✓ |
| Airport lounge | — | — | — | — | ✓ |
| Free ATM/month | €200 | €400 | €400 | €800 | €2,000 |
| Free FX/month | €1,000 | €3,000 | €5,000 | €20,000 | Unlimited |
| Savings rate | ~2.11% AER | ~2.11% AER | ~2.58% AER | ~3.49% AER | ~3.49% AER |
| Cashback | — | — | — | 0.1% on card purchases | 0.1% on card purchases |
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Our Verdict
Revolut is the most feature-rich neobank in the EU and holds a full Lithuanian banking licence with €100,000 deposit protection. With 65M+ users and a 4.7/5 Trustpilot score from 367,000 reviews, it is our pick for Best Overall EU Neobank 2026. The main caveats: no phone support, occasional unexplained account freezes, and reduced investor protection (€22,000 vs €100,000 for EEA). For everyday banking, travel, and multi-currency use, it is hard to beat.