Revolut Review

Company background

Revolut was founded in July 2015 by Nik Storonsky and Vlad Yatsenko and is headquartered in London, UK. The company started as a prepaid card and currency exchange service and has since grown into a broad financial platform serving over 70 million customers across 40-plus countries. Revolut received its full UK banking licence in March 2026 and holds an EU banking licence via the Bank of Lithuania.

The investing arm offers stocks, ETFs, fractional shares, crypto, a robo-advisor, money market funds, and a Stocks and Shares ISA for UK users. Revolut X is a separate advanced crypto exchange with TradingView charts and lower fees. The platform also provides savings vaults, multi-currency accounts, and a business account.

Fees and pricing

Revolut uses a plan-tiered fee structure for stock and ETF trading. Each plan includes a set number of free trades per month: Standard (1), Plus (3), Premium (5), Metal (10), and Ultra (10). Trades above the monthly allowance are charged at 0.25% per order (minimum GBP/EUR 1), or 0.12% for Ultra and Trading Pro subscribers. There are no account, deposit, withdrawal, inactivity, or custody fees. FX conversion fees of up to 0.5% may apply on the Standard plan above the monthly free allowance; Premium and above subscribers access interbank rates.

Crypto trades in the main app use volume-based tiered pricing: Standard and Plus start at 1.49% for volumes under the lowest threshold, with rates decreasing at higher volumes; Premium and Metal start at 0.99%; Ultra starts at 0.49%. Revolut X charges 0% maker fees and 0.09% taker fees. The robo-advisor charges 0.25% annually in the US and 0.75% in the EEA and Singapore.

Regulation and safety

UK investing services are provided by Revolut Trading Ltd, authorised and regulated by the FCA. UK investment accounts are eligible for FSCS compensation up to GBP 85,000. EEA investing services are provided by Revolut Securities Europe UAB, regulated by the Bank of Lithuania; accounts are covered up to EUR 22,000. US brokerage services are executed through DriveWealth LLC, registered with the SEC, regulated by FINRA, and a SIPC member covering accounts up to USD 500,000.

Platform experience

The primary interface is the Revolut App, available on iOS, Android, and web, integrating banking, payments, currency exchange, and investing. Ultra and Trading Pro subscribers access a full trading terminal with TradingView charts. Revolut X is a dedicated advanced crypto platform available on mobile and at exchange.revolut.com, offering 250-plus tokens, limit orders, and TradingView-powered charts. There is no demo account.

Pros and cons

Revolut's main strengths are its integrated banking and investing app, no minimum deposit, no custody or inactivity fees, fractional shares from GBP/USD 1, an ISA for UK users, and a robo-advisor across multiple regions. Key drawbacks are limited free trades on basic plans, a 0.25% commission above the allowance that is less competitive than dedicated discount brokers, crypto fees starting at 1.49% on Standard/Plus (volume-tiered), no demo account, and no options, futures, or SIPP.