Review & Pricing

May 28, 2022

Revolut is a fintech unicorn and one of the world's biggest mobile-first digital banks based in London, UK. Founded in 2015 by Nik Storonsky and Vlad Yatsenko, Revolut started out focusing on low to no fee exchanges and had been widely adopted by international travellers, Revolut has now evolved to provide services through its “global financial superapp” for both everyday needs as well as for growing users' wealth via stocks and cryptocurrencies. The fintech reached over 15 million users and is operating in over 35 countries, providing users with access to more than 30 currencies from all over the world. Despite the dubious online reputation and quite a few scandals, Revolut can still call itself Europe's most prominent digital bank. Is it worth it to swtich to Revolut? This review will guide you through pros and cons of banking at Revolut.

Founded 2015
Headquarters London, UK
Users > 15'000'000
Official website
Available in >30 countries
Sign-up bonus N/A
Free tier Available
Currencies 31 (hold/receive)
Revolut's sleek mobile app

Available subscriptions: Personal banking

Revolut offers 4 personal plans packed with different perks, check the review below to see which one fits what you’re looking for.

Standard Plan

No monthly cost

The Standard plan is a pretty decent free subscription: you get free Euro IBAN & UK current accounts, no fee currency exchange up to £1,000 per month, virtual card and more. The plan is sufficient if you’re just looking to get a “bar card” that you spend with occasionally and may use for international travel or currency exchange from time to time.

Plus Plan

€2.99 per month

Plus is the newest to the plans Revolut offer, giving you a little bit extra on top of the Standard plan. You can enjoy 24/7 priority customer support in the app, and up to 2 cards for free. You get a nice insurance cover for purchase protection, ticket protection and returns protection. This plan is most suitable for a light everyday user with it’s more reliable support and insurance perks.

Premium Plan

€7.99 per month

The Premium plan is what you may consider the “standard” Revolut plan as it comes with all the core features Revolut offers. Right off the bat, you get unlimited no fee currency exchange, Premium Revolut cards and double the amount of free ATM withdrawals per month. In addition, you get a bump of £2,500 for purchase protection per year, overseas medical insurance as well as flight delay insurance. If you like to do some casual investor, you also get 5 commission-free stock trades per month and overall lower markups on crypto currency or commodities trades.

Metal Plan

€13.99 per month

Metal is the top tier Revolut plan and the major difference is the physical metal card you can have with this plan (2 free metal cards included). Other notable perks of the plan is double the free ATM withdrawal limit of Premium, up to £10,000 per year for your purchase protection insurance and unlimited commission free trading.

Account comparison table can be found below. Interested? Visit Revolut's website and download the app!

Plan Standard Plus Premium Metal
Price - €2,99 p/m €7,99 p/m €13,99 p/m
Sub-accounts N/A - "Vaults" available
Included 1 (Paid) 2 Included
Maestro yes
Debit yes
Credit yes
Virtual yes
Various Fees
Lost card €6,00 1 free per year, then €9,99
ATMs 5 free per month, then 2%/€1,00 €800 free
Refused DD €0,00
SEPA €0,00
International transfer Varies 1 Free p/m 3 Free p/m
Interest rate on accounts
Current no 0,3% APY (UK) 0,65% APY (UK)
Savings no
Cashback no 0,1% in EU
Exchange rate No fee till €1000, 0,5%-1% after No fee, 1% weekend/bank holidays
Revolut's stylish black card

Revolut: Pros and Cons


  • Easy currency exchange - you can exchange and hold 30+ currencies including USD, GBP, HKD and AUD, in just a few taps in the app.
  • Budgeting features - Revolut’s everyday use features usually get overlooked for it’s focus on currencies & investments. But it does have some neat budgeting features such as Vault (saving accounts that come with interests), Pockets (like sub-accounts that you can divide your deposits into for different purposes) and Group Bills for bill splitting with friends.
  • Charity as a feature - another overshadowed feature for Revolut that has been a success, it’s super easy to support causes that you care about in the app with roundup payments or scheduled contribution.
  • For the intrepid - Revolut makes it possible for you to dip your toes in investing, from US stocks, cryptocurrencies to commodities, you can quite easily make some small investments in the app.
  • Great UX/UI - safe to say this point is what initially made Revolut popular. A very clean and easy-to-use mobile app (albeit, with a fair dose of annoying marketing communication left and right), a straightforward interface and visually appealing card design. What's more to ask for?


  • Not quite a bank: Revolut is still under an e-money license in the UK while its EU customers can enjoy a full bank protection from its Lithuanian entity.
  • Customer support: there have been quite an avalanche of poor online reviews, stressing that the customer support is a big issue. Granted, that same sentiment can be seen on online reviews of most of "digital-only" banks. Not that in-app support is bad enough to be a deal-breaker and as long as you are comfortable managing your everyday life from a smartphone, you should be fine.
  • Subpar acceptance across EU: Revolut is somewhat disliked by certain types of merchants because of the bank's popularity amongst scammers and fraudsters, thanks to its more relaxed KYC and anti-AML practices combined with an ease of opening an account. This results in Revolut not being accepted by the vendor, however, it does happen quite infrequently.
Revolut also has a desktop app

The Verdict

Revolut is a great choice for everyday banking and it doesn't matter if you're in the UK or in EU. A wide range of features, a huge army of fans and an extensive partner network all converge in a great product for both personal and business banking. Revolut can satisfy both a person not interested in any of the stock trading, cryptos (coming soon!) nor spending in 30+ currencies, as well as be a great choice for someone worshipping healthy personal finance practices. Being one of the biggest neobanks, Revolut boasts an astonishing (yet somewhat questionable) figure of 15 million active users and it does not seem like the bank is past the rapid growth stage yet.

All in all, Revolut's expansion might just tell you that millions of people already appreciate the sleek app and a great UX provided - why not join them today? After all, a free plan is available for you to get a sense of banking with Revolut, so all that's left is to download the app!

Revolut has a unique visual style

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