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Revolut review

A global finance app for spending, saving, and investing, all from your phone.

By Ciroapp Editorial Team · Updated Sep 17, 2026

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Ciroapp score

4.5/ 5

Excellent app for global finance, with minor support hiccups.

We find Revolut to be a powerful, user-friendly app for managing money across borders, offering smart savings and spending tools. Overall, it's a top choice for travelers and digital-first users, though customer support and occasional transaction issues can be frustrating.

Pros

Pros:Intuitive app design with fast, easy-to-use interface.
Pros:Excellent exchange rates and instant transfers, ideal for travel.
Pros:High-yield savings up to 5.50% APY on certain plans.

Cons

Cons:Customer support can be slow or overly reliant on AI assistance.
Cons:Difficulties transferring balances back to traditional bank accounts.
Cons:Unexpected transactions and limited support in resolving them.

Best for

Frequent international travelers who want fair exchange rates, no foreign transaction fees, and multi-currency spending from a single card and app
Digital nomads and remote workers who live across multiple countries and need to hold, exchange, and move money between currencies without visiting a bank branch
Savers looking for high-yield accounts, with variable rates up to 5.50% APY on certain plans, interest accrued daily and paid monthly through FDIC-insured partner banks

What is Revolut?

Managing money across borders and currencies can feel like a juggling act. Revolut aims to simplify this by offering a single app for spending, saving, and investing. It's designed for people who move freely between countries and want to manage their salary automatically.

✨

Revolut is a financial technology app and service that lets you send money globally, spend smartly, and organize your finances. It's not a bank itself, but partners with banks like Cross River and Lead Bank for services like FDIC-insured accounts. 💡 It's for anyone who wants a digital-first way to handle money, from daily spending to savings and basic investing.

Should you choose Revolut?

Quick buyer guidance before you compare plans or click through.

Choose it if

Frequent international travelers who want fair exchange rates, no foreign transaction fees, and multi-currency spending from a single card and app
Digital nomads and remote workers who live across multiple countries and need to hold, exchange, and move money between currencies without visiting a bank branch
Savers looking for high-yield accounts, with variable rates up to 5.50% APY on certain plans, interest accrued daily and paid monthly through FDIC-insured partner banks
First-time investors who want commission-free access (within a monthly allowance) to over 4,000 stocks and ETFs, or a hands-off Robo-Advisor portfolio
Budget-conscious users who want to automatically split their salary into spending pots and savings vaults the moment they get paid

Skip it if

Users who need fast, reliable human customer support — reviews repeatedly mention slow responses and heavy reliance on AI assistance when resolving unexpected transactions
People who frequently move large balances back to traditional bank accounts, as some reviewers report difficulties with outbound transfers
Heavy weekend currency exchangers on the free Standard or Plus plans, where weekend exchange fees of 1% or 0.5% apply (Premium, Metal, and Ultra waive these)
Anyone who needs very high monthly ATM withdrawal allowances on a free plan — Standard caps at £200/month or 5 withdrawals, so frequent cash users would need Premium (£400), Metal (£800), or Ultra (£2,000)
Users in regions outside Revolut's supported markets, since availability and features vary by location and should be verified on the Revolut website or app

Next steps before buying

1Download the Revolut app from the App Store or Google Play and complete the in-app onboarding steps, including identity verification, to open a free Standard account with no monthly fees
2Compare the plan tiers on Revolut's pricing page — Standard (free), Plus (£3.99/month), Premium, Metal, and Ultra (£55/month) — and pick one based on your ATM withdrawal needs, travel habits, and whether you want weekend exchange fees waived
3Add your salary details so the app can automatically organize your pay into spending pots and savings vaults, and enable automatic transfers to the high-yield savings account
4Order your physical or virtual card and start using it for international purchases, where the app handles currency conversion at competitive rates; if investing interests you, set your goals and risk level in the Robo-Advisor or browse the 4,000+ stocks and ETFs within your monthly commission-free allowance

Revolut Key Features

🌍 Spend and Send Globally

Revolut makes it easy to spend and send money across borders. You can use your card to make purchases in different currencies without the usual hassle. The app handles the conversion for you, so you can focus on your trip or your international life.

It's designed for people who move between countries and want a simple way to manage their money.

✨ Grow Your Savings Automatically

Revolut helps you grow your savings with high-yield options. You can earn up to 5.50% APY (variable) on savings, with interest paid monthly. The app lets you set up automatic transfers to your savings, so you don't have to think about it.

Your money is kept safe with partner banks, and you can watch your balance grow over time.

📈 Invest in Stocks and ETFs

You can invest in over 4,000 stocks and ETFs right from the app. It includes popular companies like Apple and Zoom. There's no commission within your monthly allowance, making it accessible for beginners.

The app provides a straightforward way to start investing without complicated steps.

✨ Robo-Advisor for Custom Portfolios

If you prefer a hands-off approach, the Robo-Advisor creates a custom portfolio for you. It's based on your investing goals, so you don't have to pick individual stocks. This feature is great for those who want to invest without spending time on research.

It automates the process to fit your needs.

✨ Security You Can Trust

Revolut Secure offers proactive defenses to protect your money. The app has a team of fraud specialists available 24/7 to help safeguard your accounts. You get built-in security features that work behind the scenes.

This focus on security gives you peace of mind when using the app for daily transactions.

✨ Flexible Plans to Fit Your Life

Revolut offers different plans to match your needs. You can start with a Standard account that has no monthly fees. If you want more features, you can upgrade to Premium or Metal plans.

Each plan provides different benefits, such as higher savings rates or exclusive cards. It's easy to choose the one that works best for your lifestyle.

Use Cases

🌍 The Digital Nomad's Daily Driver

Imagine you're working remotely from Portugal one month and Thailand the next. Managing different currencies and bank accounts used to be a hassle. With Revolut, you can hold, spend, and exchange money across borders all from one app. It's designed for people who move freely between countries. You can also automate your salary and set up savings to grow while you're on the move.

Tip: Use your Revolut card for everyday spending abroad to avoid high foreign transaction fees.

💰 Salary Organization & Smart Savings

You get paid, but then bills, savings, and spending all feel mixed together. Revolut lets you reimagine your salary. You can automatically organize your pay into different pots or savings vaults. With high-yield savings options, your money can earn up to 5.50% APY (variable) on certain plans. It's a simple way to make your money work harder without complex setup.

Expected outcome: Your savings grow automatically, and you stay on top of your budget.

📈 First-Time Investor Getting Started

You've heard about investing but find it confusing. You want to try buying a few stocks without paying high fees. Revolut gives you access to over 4,000 stocks and ETFs, with no commission within a monthly allowance. You can also try the Robo-Advisor, which creates a custom portfolio based on your goals. It's a hands-off way to start building an investment portfolio.

Step 1: Download the app and sign up for an account. Step 2: Set your investment goals and risk level. Step 3: Let the Robo-Advisor build a portfolio for you.

💸 Problem: I'm tired of paying hidden fees for sending money abroad.

Many traditional banks charge high fees and offer poor exchange rates for international transfers. This can eat into your money when you send it to family or pay for services overseas.

Approach: Revolut lets you send money globally through its app. The platform is built for moving between currencies easily, aiming for better rates and lower costs.

Outcome: You can transfer money across borders more efficiently, keeping more of your money for what matters.

🛡️ Problem: My money feels unsafe online.

You worry about fraud and want to know your accounts are protected. You need a service that actively works to keep your money secure.

Approach: Revolut offers Revolut Secure, a set of proactive defenses and a 24/7 team of fraud specialists. This system is designed to help protect every account.

Outcome: You can use the app with more confidence, knowing there are dedicated security measures in place to monitor and help protect your funds.

💳 Customized Spending Experience

You want a card that feels personal. Revolut allows you to customize your card to match your style. Some cards are available on paid plans only. It's not just about function; it's about having a financial tool that fits your vibe.

Tip: Check out the Premium or Metal plans to access exclusive card designs.

✈️ Avoiding High Foreign Transaction Fees

You travel occasionally and hate the fees your bank adds to every purchase abroad. You need a simple way to spend without the extra costs.

Approach: Use a Revolut card for international spending. The app is built for moving between currencies and countries.

Outcome: You can spend locally while traveling, potentially saving on fees compared to traditional banks.

🏦 Building Savings with High-Yield Accounts

Your regular savings account barely earns any interest. You want a safe place to grow your money with better returns. Revolut offers savings accounts with rates up to 5.50% APY (variable) for certain plans, with interest paid monthly. The accounts are provided by FDIC-insured partner banks, adding a layer of safety.

Tip: Note that the highest rates are often for specific plan tiers, so check which plan fits your needs.

Revolut pricing

Prices not verified yet — see the vendor page.

Revolut's pricing page

View pricing page screenshot

Pricing types: Free plan, Monthly subscription, Yearly subscription

Pricing notes

Revolut offers a free tier alongside paid plans starting from £3.99/month up to £55/month. Pricing varies slightly by region, with options that unlock higher savings rates, better ATM limits, and travel benefits as you upgrade your tier of service physically and digitally.

Select plans include brand subscriptions and insurance products to enhance daily financial management on the go. There are no setup fees, but paid plans involve monthly commitments with a range of included allowances.

Let's take a look at the details below to see which level fits your lifestyle best physically and digitally, based on your transaction habits and goals. Plus, we'll explain whom should avoid the higher tiers if they are not active travellers or heavy spenders.

Happy banking!

Revolut pricing: Revolut offers a free tier alongside paid plans starting from £3.99/month up to £55/month. Happy banking! Billing options: Free plan, Monthly subscription, Yearly subscription

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User Reviews

Based on over 420,000 Trustpilot reviews, Revolut scores an excellent 4.7/5, with users praising its speed, ease of use, and intuitive app design for managing finances. 👍 Key themes include instant transfers, excellent exchange rates, and seamless functionality for international travel.

However, recurring concerns appear around customer support responsiveness, especially with AI assistance, and difficulties transferring balances back to traditional banks. Some users report issues with unexpected transactions, monthly limits, weekend fees for currency exchange, and occasional card acceptance problems in certain locations.

While the overall sentiment is highly positive, the service faces criticism for support reliability and specific transactional frustrations.

Summarized from public reviews on Trustpilot, Capterra

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Why use Revolut?

Why consider Revolut for your money? It puts control of your finances in one app, with tools for spending, saving, and investing. Here are the key benefits based on their site:

✅ Global Freedom: Move between countries and currencies easily, making it ideal for travelers and those with international ties.
✅ Smart Salary Tools: The app lets you reimagine your salary with automatic organization and growth features for your savings.
✅ High-Yield Savings: Earn up to 5.50% APY (variable) on savings for certain plans, with interest paid monthly.
✅ Security Focus: With Revolut Secure, you get proactive defenses and a 24/7 team to help protect your accounts.
✅ Investing Access: Explore over 4,000 stocks and ETFs, with no commission within a monthly allowance, or try a Robo-Advisor for a custom portfolio.
✅ Tiered Plans: Choose from a Standard account with no monthly fees or upgrade to Premium or Metal for more features and exclusive cards.

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Revolut FAQ

How do I cancel my Revolut subscription?

You can cancel your paid plan through the Revolut app. Go to 'Settings', then 'Plan', and select 'Cancel Plan'. Your subscription will end at the end of the current billing period.

What are the limits on ATM withdrawals?

ATM withdrawal limits vary by plan. The Standard plan has a £200/month limit or 5 withdrawals. Higher plans like Premium (£400/month) and Metal (£800/month) offer higher limits. The Ultra plan provides a £2,000/month limit.

Is there a free trial for paid plans?

The provided details do not mention a free trial for paid plans. Paid plans start with a monthly commitment, and you can choose a Standard account with no monthly fees as an alternative.

How does customer support work for different plans?

The Standard plan offers priority in-app chat. Paid plans like Plus, Premium, Metal, and Ultra provide priority chat and in-app call support.

Are there weekend fees for currency exchange?

Yes, there are additional weekend currency exchange fees. Standard and Plus plans charge a 1% or 0.5% fee, respectively. Premium, Metal, and Ultra plans have no weekend fees.

What are the pricing details for the Standard plan?

The Standard plan is free with no monthly fees. It includes basic features, but some benefits like currency exchange limits and ATM withdrawals are lower compared to paid plans.

How does the savings account interest work?

Savings accounts offer variable APY rates, up to 5.50% for certain plans like Metal in the US. Interest is accrued daily and paid monthly. Rates vary by plan and balance.

What are the main differences between the Plus, Premium, Metal, and Ultra plans?

The plans differ in monthly fees, ATM withdrawal limits, currency exchange fees, travel benefits, and investment allowances. For example, Plus costs £3.99/month, while Ultra costs £55/month and includes unlimited airport lounge access.

Is Revolut a bank?

Revolut is not a bank itself, but it partners with banks like Cross River Bank and Lead Bank for services such as FDIC-insured accounts. It's a financial technology app that provides banking-like features.

What languages and regions is Revolut available in?

The provided details focus on the US and UK markets. For specific language and region availability, check the Revolut website or app for your location.

How does the onboarding and migration process work?

You can sign up for a Standard account with no monthly fees through the Revolut app. The process involves downloading the app and following the onboarding steps.

What security features does Revolut offer?

Revolut provides proactive defenses and a 24/7 fraud specialist team through Revolut Secure. It partners with FDIC-insured banks for account security. More details are available on their security page.

Are there any limits on currency exchange?

Yes, currency exchange limits apply. Standard plan has a £1,000/month limit, while Premium and higher plans offer higher or no fair usage limits. Weekend fees also apply for some plans.

What are the best Revolut plans for travelers?

For travelers, Metal and Ultra plans offer benefits like unlimited airport lounge access, travel insurance, and no weekend currency exchange fees. The Standard plan is also suitable for basic travel needs.