Revolut
Pros & Cons
Pros
- Deposit protection: DGS €100k (LT)
- Multi-currency account
- in-app FX near mid-market
- crypto & stocks trading
Cons
- —
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you move stablecoins both in and out
- you want cashback on card spend
- you want yield on an idle balance (up to 2.27%)
- you receive international wires (SWIFT)
- you receive SEPA transfers
May not fit if
- No caveats recorded against the facts we hold.
This is a licensed bank, so eligible deposits are protected by the deposit guarantee scheme (DGS) up to €100,000 per customer. That's a key safety factor when choosing.
- Licence
- Bank · Bank of Lithuania
- IBAN
- Multi-currency details
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
Deposit & savings rates
Compare all deposits →DGS €100k protected DGS €100k (LT)
| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| Instant Access Savings | EUR | 2.27% | On demand | Cuenta de ahorro de acceso inmediato; el tipo varía según el plan. Interés pagado diariamente. | Sourceas of 2026-06-23 |
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
Revolut is a licensed bank (Bank of Lithuania), so eligible deposits carry DGS €100k (LT).
It is a global fintech licensed in LT supporting EUR, USD, GBP etc. FX model: Own variable rate; weekday zero-fee only within €1,000/mo exchange limit on Standard, weekend markup.
It tends to suit multi-currency, travel, crypto & stocks.
Fees & terms
- Exchange rate
- Own variable rate; weekday zero-fee only within €1,000/mo exchange limit on Standard, weekend markup
- Card cost
- Free / paid tiers (Plus, Premium, Metal)
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Free-plan FX and ATM monthly limits
- USD yield
- Not disclosed
- Cashback
- Limited rewards on paid plans
- Currencies
- EUR, USD, GBP etc
- Cards
- Global Physical, Global Virtual
- Transfers
- SEPA in/out, SEPA Instant in/out, SWIFT in/out, Local multi-currency in, Crypto in/out
- Payments
- Apple Pay, Google Pay
- Licence
- Bank — Bank of Lithuania
- IBAN
- Multi-currency details
- Multi-currency account
- EUR+GBP+USD+multiple
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
- FX model
- Own variable rate; weekday zero-fee only within €1,000/mo exchange limit on Standard, weekend markup
- Opening requirements
- No local address needed
- English support
- Yes
- Remote opening
- Yes
- Headquarters
- Lithuania
Transfer routes
One row per direction, rail and currency — with what we hold on fees, speed and limits. A blank fee is not a free transfer; it is a fee we have not collected.
| Route | Fee | Speed | Limits |
|---|---|---|---|
| SWIFTincoming | Free | Not published | — |
| SWIFToutgoing | 0.15%Conditional: 0.15%2.9 EURConditional: min ~1–2.90 EUR by currency, max 255 EUR255 EURConditional: min ~1–2.90 EUR by currency, max 255 EUR3 EURConditional: 3 EUR5 EURConditional: 5 EUR | 2–5 days | — |
| SEPAincomingEUR | Free | 2–5 days | — |
| SEPAoutgoingEUR | Free | 2–5 days | — |
| SEPA InstantincomingEUR | Not published | Instant | — |
| SEPA InstantoutgoingEUR | Not published | Instant | — |
| Cryptoincoming | Free | Not published | — |
| Cryptooutgoing | 3 EUR1 EURConditional: most assets; 1 EUR for XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO, ADA | Not published | — |
| Local railsincoming | Not published | Not published | — |
Plans and tiers
The headline rate belongs to the top tier and the free price to the bottom one. These are the tiers as the provider sells them, one row each.
| Tier | Price | What it adds | Worth it when |
|---|---|---|---|
| Standard | Free | Multi-currency account · Free plan FX and ATM allowances | Entry tier |
| Plus | Price not published | Limited rewards on paid plans | Cannot be valued — the price or the benefit is not published |
| Premium | Price not published | Limited rewards on paid plans | Cannot be valued — the price or the benefit is not published |
| Metal | Price not published | Limited rewards on paid plans | Cannot be valued — the price or the benefit is not published |
Who holds your money
The name on the app is not always the company holding the balance, and deposit protection follows the licence rather than the brand.
| Role | Organization | Answerable for | Applies to |
|---|---|---|---|
| Licence holder | RevolutBank of Lithuania | Operating under regulatory permission | All currenciesDGS €100k (LT) |
| Deposit guarantee | DGS €100k (LT)Bank of Lithuania | Paying out if the deposit holder fails | EURDGS €100k (LT) |
What to know before you move money
Nothing flagged — Nothing we track is flagged on this service.
- Medium2 route(s) state a fee we could not turn into a number.
Read from: transfer_routes.fee_components
- LowThe price of Plus, Premium, Metal is not published.
Read from: plan_tiers.fee_unknown
Recent updates
- 2026-08-15checked20 facts about Revolut re-checked against their sources
- 2026-06-23checked1 deposit rate at Revolut re-checked
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User reviews
User score
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FAQ
- Is my money protected?
- Yes. Revolut holds a full bank licence (Bank of Lithuania), so eligible deposits are protected by DGS €100k (LT).
- What IBAN and transfers?
- Revolut issues local receiving details in several currencies. SEPA Instant: send + receive. Multi-currency: EUR+GBP+USD+multiple.
- Can I open remotely, in English?
- Opening is remote. English support is available. Requirements: No local address needed.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Independently corroborated, rated on the full model and checked within the year. This service can appear in our ranked picks.