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All-in-one app for banking, crypto, stocks, and commodities
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Strong security with FCA regulation, cold storage, and biometric login
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200+ cryptocurrencies supported with recurring buys and withdrawals
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Transparent fees starting at 0.25%, with most deposits free
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Intuitive, highly rated mobile app with rich financial tools
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24/7 support available, but response times can be slow in complex cases.
Quick Verdict
Revolut stands out as a versatile fintech platform that blends everyday banking with seamless access to cryptocurrency, stocks, and commodities trading—all within a highly intuitive mobile app. Regulated by the UK’s Financial Conduct Authority (FCA), it offers robust security features including biometric authentication, cold storage for crypto assets, and advanced fraud monitoring. With low trading fees (as little as 0.12% for Ultra users), over 200 supported cryptocurrencies, and transparent pricing, Revolut is ideal for users seeking a simple yet powerful all-in-one financial app. However, limitations in customer support responsiveness and occasional account freezes may be a concern for some users. Overall, it’s a top-tier choice for casual to intermediate investors prioritizing accessibility, cost-efficiency, and ease of use.
Key Takeaways
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All-in-one app for banking, crypto, stocks, and commodities
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Strong security with FCA regulation, cold storage, and biometric login
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200+ cryptocurrencies supported with recurring buys and withdrawals
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Transparent fees starting at 0.25%, with most deposits free
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Intuitive, highly rated mobile app with rich financial tools
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24/7 support available, but response times can be slow in complex cases.
Pros
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Intuitive, easy-to-use mobile app interface
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Excellent currency exchange rates with no hidden fees
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Great for international travel with multi-currency accounts
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Instant money transfers and fast transactions
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Supports crypto (200+ coins), stocks, and precious metals trading
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Transparent pricing and multi-tier account options (Standard, Premium, etc.)
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Works in 200+ countries globally, highly versatile usage
Cons
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Customer support can be slow or unresponsive at times
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Accounts may get frozen or restricted without clear warning
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Lengthy verification and compliance reviews in some cases
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Monthly fees for premium account tiers (Plus, Premium, Metal, Ultra)
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ATM withdrawal limits and fees after free limits are exceeded
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Some technical glitches in the app; certain features not available in all countries
Revolut Overview
| Parameter | Details |
|---|---|
| Broker Name | Revolut |
| Year Established | 2015 |
| Headquarters Location | London, United Kingdom |
| Regulatory Compliance | Financial Conduct Authority (FCA) in the UK, the European Central Bank in Lithuania |
| Trading Instruments | Stocks, ETFs, Cryptocurrencies, Commodities, Forex |
| Available Cryptocurrencies | Bitcoin, Ethereum, Litecoin, Bitcoin Cash, XRP, and over 30 other cryptocurrencies |
| Account Types | Standard, Premium, Metal |
| Minimum Deposit | $0 |
| Base Currencies Supported | GBP, EUR, USD, and multiple other currencies |
| Leverage | Up to 1:30 for retail clients, up to 1:500 for professional clients |
| Average Spreads | Variable spreads starting from 0.0 pips |
| Commission | Zero commission on standard accounts, $7 per lot (round turn) on professional accounts |
| Deposit Methods | Bank Transfer, Credit/Debit Cards, E-Wallets |
| Withdrawal Methods | Bank Transfer, Credit/Debit Cards |
| Deposit/Withdrawal Fees | No fees for deposits and withdrawals |
| Trading Platforms | Revolut mobile app, web platform |
| Mobile App Availability | Available on iOS and Android devices |
| Order Types | Market orders, Limit orders, Stop orders, Take profit orders, Stop loss orders |
| Execution Model | Straight Through Processing (STP) |
| Fund Segregation | Client funds are held in segregated accounts |
| Demo Account | No dedicated demo account, but offers a practice mode for some features |
| Support Channels | In-app chat, email support, community forum |
| Support Availability | 24/7 customer support through in-app chat |
Introduction
Revolut, launched in 2015, has rapidly evolved into one of the world’s leading financial super-apps, serving over 60 million customers across 200+ countries. Originally focused on affordable currency exchange and cross-border payments, the platform has expanded to offer a wide range of financial services including cryptocurrency trading, stock investing, commodity exposure, savings accounts, insurance, and budgeting tools—all accessible through a single mobile app. Its mission to simplify global money management has positioned Revolut as a pioneer in digital finance, especially for users seeking a modern alternative to traditional banking and brokerage platforms.
Backed by regulatory approval from the UK’s Financial Conduct Authority (FCA), Revolut operates with a strong compliance framework and robust security infrastructure. It has garnered a reputation for innovation, user-centric design, and transparency in pricing. With a continuously expanding list of features—like disposable virtual cards, recurring crypto buys, and travel insurance—the platform has become a go-to solution for tech-savvy individuals who want convenience, control, and multi-asset access from one digital hub.
Is Revolut Safe?
Revolut maintains a high level of safety through its combination of regulatory oversight, technological safeguards, and transparent operations. Users benefit from FCA authorization and secure custody of funds, while in-app security settings and fraud monitoring provide real-time protection. Although occasional account restrictions occur, they reflect proactive risk controls rather than negligence. The platform balances convenience with strong security practices, making it suitable for everyday and intermediate investors.
Regulatory Compliance
Revolut operates under several FCA licenses in the UK:
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Revolut Ltd is authorised to provide e‑money and payment services under the Electronic Money Regulations 2011 and is registered to offer cryptocurrency services.
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Revolut Trading Ltd holds FCA authorization and regulation for brokerage services, including stock and crypto trading.
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Revolut Travel Ltd is authorised for insurance distribution activities.
This suite of FCA authorizations ensures that Revolut must adhere to stringent financial standards, audits, and consumer protection rules—offering users strong oversight and institutional credibility.
Security Features
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Segregated Accounts: Customer funds are held separately from the company’s operational finances, ensuring protection if Revolut were to have financial difficulties.
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Cold Storage: The majority of customers’ crypto holdings are stored offline in secure cold wallets to minimize hacking risk.
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Two-Factor Authentication (2FA): Access requires mobile number verification and biometric or PIN authentication to log in and approve key actions.
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Fraud Monitoring: An internal 24/7 fraud detection team uses AI and machine learning to flag suspicious transactions; over 95% of fraudulent attempts are blocked proactively.
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Insurance Fund / Zero-Liability: Standard Visa/MasterCard protections apply to unauthorized charges; Revolut also offers in-app recovery support and safeguards.
Privacy Practices
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KYC Requirements: Revolut requires identity verification on sign-up using ID documents and a selfie. Enhanced verification may be requested if activity triggers risk filters. This adheres to anti-money laundering regulations.
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Data Storage: Personal data is stored securely in encrypted systems, with access controls aligned with GDPR and FCA data protection policies.
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Privacy Policy Highlights: Revolut card collects necessary information for compliance, transaction completion, and improving user experience. Data is never sold to third parties without consent. Users control privacy settings—such as turning off analytics or marketing communications—and data deletion upon account closure is available in line with regulatory retention rules.
Reputation and User Feedback
Trustpilot and Community Reviews
Revolut enjoys overwhelmingly positive sentiment among users. In a recent analysis of 999 reviews, it achieved an average rating of 4.6 out of 5 stars, with high praise particularly for its intuitive app, low-cost currency exchange, and global convenience for international payments and travel. Users on Trustpilot and other platforms echo this appreciation, often highlighting the ease of use, real-time transactions, and transparent pricing as key benefits. The sentiment summary describes Revolut as “highly positive, with customers praising its ease of use, excellent exchange rates, and convenience for international travel.”
Common Complaints and Praise
Recurring Praise:
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Smooth, intuitive mobile interface
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Excellent interbank exchange rates
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Instant transfers and real-time notifications
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Effective savings vaults and budgeting tools
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Transparent pricing and multi-asset trading
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Strong security features and reliability
Recurring Complaints:
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Accounts frozen or restricted without clear explanation
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Slow or unresponsive customer support for complex issues
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Lengthy KYC and compliance review times
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ATM withdrawal limits and associated fees
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Feature availability varies by country
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Occasional technical glitches in the mobile app
Trading Instruments
Revolut offers a diverse range of trading instruments accessible directly through its mobile app. It supports cryptocurrency trading alongside traditional financial assets, giving users flexibility to diversify their portfolios without needing multiple platforms. The platform focuses on spot trading with no leverage, making it ideal for casual to intermediate investors.
Available Cryptocurrencies
Revolut supports trading of over 200 cryptocurrencies, including major and trending tokens. Some of the most popular supported assets include:
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Bitcoin (BTC)
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Ethereum (ETH)
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Litecoin (LTC)
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Solana (SOL)
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Cardano (ADA)
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Ripple (XRP)
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Dogecoin (DOGE)
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Polkadot (DOT)
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Chainlink (LINK)
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Uniswap (UNI)
Users can set price alerts, create recurring buys, and withdraw selected crypto assets to external wallets for supported tokens.
Other Trading Instruments
In addition to cryptocurrencies, Revolut also offers access to:
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Stocks (primarily U.S. equities, with fractional share investing)
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Commodities (Gold, Silver, Platinum, Palladium)
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Fiat Currency Exchange (30+ global currencies with real-time conversion)
These instruments are integrated into the same user-friendly interface, allowing seamless transitions between spending, saving, and investing.
Account Types & Trading Conditions
Types of Accounts
Revolut offers multiple personal account tiers, Revolut bank account, to suit varying user needs and budgets, all accessible through its mobile app:
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Standard – Free; includes basic features like multi-currency accounts, crypto and stock access, and limited free allowances.
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Plus (£3.99/month) – Adds slightly higher limits and purchase protection.
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Premium (£7.99/month) – Includes unlimited currency exchange, higher ATM withdrawal limits, travel insurance, and priority support.
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Metal (£14.99/month) – Offers all Premium perks plus cashback, concierge service, and even higher limits.
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Ultra (£45/month) – Tailored for high-volume users with the lowest trading fees and exclusive lifestyle perks.
All accounts come with access to Revolut’s trading features, though higher tiers benefit from larger fee-free trading allowances and faster support.
Spreads and Commissions
Revolut does not charge spreads in the traditional sense but applies commission-based fees on trades beyond free monthly limits. Here you will also find details about Revolut Exchange Rate:
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Crypto Trading Commission:
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0.25% for Standard, Plus, Premium, and Metal users
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0.12% for Ultra (Trading Pro) users
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Currency Exchange:
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Interbank rates apply; free within monthly limits, then ~0.5% fee for Standard/Plus users
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Premium and Metal users enjoy unlimited free exchange
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ATM Withdrawals:
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Free up to set monthly limits, then 2% fee applies
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Revolut also supports multiple order types (e.g., market, limit, stop), and does not charge custody or inactivity fees.
Trading Platforms and Tools
Types of Trading Platforms Revolut is a mobile-first trading platform, with all trading activity conducted via its proprietary Revolut app, available on iOS and Android. A simplified web interface is also available for account management, but crypto and stock trading features are primarily optimized for mobile. There is no desktop software or third-party platform (like MetaTrader or TradingView) integration. Platform Comparison Since Revolut operates solely through its own ecosystem, there are no multiple platforms to compare. However, the internal experience can be differentiated as: Mobile App (iOS/Android):
- Full-featured access to crypto, stocks, commodities, vaults, budgeting tools, and multi-currency spending.
- Web App: Limited to account overview and money transfers—cryptocurrency trading and advanced tools are not fully available here.
In essence, the mobile app is the core platform, offering the full Revolut experience, while the web version serves as a supplementary interface for convenience. Trading Tools & Features Revolut includes a variety of trading tools and financial features designed for accessibility and everyday use: Recurring Buy Orders – Automate crypto investments on a daily, weekly, or monthly schedule. Price Alerts – Set custom alerts for cryptocurrency price movements. Auto-Exchange (Limit Orders) – Automatically execute trades when a target price is reached. Savings Vaults – Allocate funds (including crypto or commodities) for specific goals, with interest earning options. Disposable Virtual Cards – For safe online purchases, with single-use card numbers. Spending Analytics & Budgeting – Real-time categorization of expenses and custom budget limits. Learn & Earn Courses – In-app crypto education modules with reward incentives. While Revolut does not offer traditional trading tools like economic calendars, technical analysis charts, or staking, it excels at simplifying investing for the average user through automation and integration with daily financial habits.
Revolut Fees
Revolut’s fee structure is transparent and tier-based, offering low commissions and minimal overhead for everyday users. Most core services—such as deposits, internal transfers, and crypto access—are free or included within subscription plans. Paid account tiers benefit from reduced trading fees, higher limits, and additional perks, while even Standard users enjoy competitive rates.
Trading Fees
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Cryptocurrency Trades:
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0.25% commission for Standard, Plus, Premium, and Metal users
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0.12% commission for Ultra (Trading Pro) users
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Fee-free trading available up to monthly limits based on account tier
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Stock Trades:
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Free trades up to a monthly quota (e.g., 1–5 depending on plan)
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Flat fee (e.g., £1/trade) applies beyond that for Standard users
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Commodities:
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No explicit commission; Revolut earns via spread on buy/sell prices
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Deposit and Withdrawal Fees
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Deposits:
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Free via bank transfer, credit/debit card, and e-wallets
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Fiat Withdrawals:
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Free for most domestic transfers; third-party fees may apply for SWIFT or card-based withdrawals
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Crypto Withdrawals:
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Subject to blockchain network fees; no added platform charges
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Other Fees
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Currency Exchange (fiat):
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Free up to monthly limit for Standard/Plus users; ~0.5% after
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Unlimited and fee-free for Premium and Metal
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ATM Withdrawals:
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Free within monthly cap (e.g., £200–£800 depending on plan)
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2% fee beyond free limit
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Premium Plans:
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Monthly subscription fees apply: Plus (£3.99), Premium (£7.99), Metal (£14.99), Ultra (£45)
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No inactivity, account closure, or custody fees across all account levels.
Customer Support
Support Channels
Revolut customer service offers 24/7 customer support primarily through its in-app live chat, where users first interact with a chatbot (Rita) and are escalated to a human agent when needed. Additional support is available via the Help Centre, which features a comprehensive library of FAQs and troubleshooting articles. While phone support is limited to emergency card-blocking, Premium and higher-tier users receive priority support, reducing wait times.
Educational Resources
Revolut business provides in-app Learn & Earn courses that cover cryptocurrency basics, blockchain concepts, and responsible investing. These interactive modules often come with small crypto rewards upon completion and are designed for beginners. While there’s no formal trading academy or webinars, the platform emphasizes bite-sized, app-integrated education to help users get started with crypto and other financial tools confidently.
How to Use Revolut: Step-by-Step Guide
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Download the Revolut app from the App Store or Google Play.
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Register with your mobile number and verify it via SMS.
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Enter your personal details including name, address, and email.
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Complete identity verification by uploading your ID and selfie which will later make Revolut Login easy.
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Add money to your account using bank transfer or debit/credit card.
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Explore the app’s main dashboard and available features.
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Enable crypto trading by accepting the required disclaimers.
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Select a cryptocurrency, enter the amount, and confirm your purchase.
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Withdraw supported crypto or transfer fiat to bank accounts as needed.
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Manage security settings, support, and financial tools from the app.
Who Is Revolut Best For?
Revolut account is best suited for users seeking a simple, all-in-one platform to manage everyday finances and casually invest in cryptocurrencies, stocks, and commodities. It’s ideal for tech-savvy individuals, frequent travelers, digital nomads, and beginners who value low fees, multi-currency support, and a highly intuitive mobile experience. Those looking for basic exposure to crypto without needing complex tools will find Revolut especially convenient. However, it may not meet the needs of high-frequency traders or users requiring extensive customer support or advanced trading features.
Final Verdict
Revolut successfully bridges the gap between modern banking and casual investing by offering a sleek, user-friendly platform that combines multi-currency spending, savings tools, and access to over 200 cryptocurrencies—all within a single mobile app. Its FCA regulation, cold storage for crypto assets, and real-time fraud protection contribute to a high level of trust and security. With a transparent fee structure, competitive trading commissions starting from 0.25%, and tiered account options to suit varying user needs, Revolut business account delivers strong value for users seeking financial flexibility and simplicity.
While its strengths in usability, asset variety, and global accessibility are clear, to answer the question on why Revolut is bad-Revolut virtual card does have some drawbacks—most notably inconsistent customer support and reports of account freezes during compliance reviews. These issues, though not widespread, are important for users to consider, especially if they rely on rapid access to funds or require frequent human support.
Overall, Revolut is an excellent choice for beginners and intermediate users who want a cost-efficient, well-regulated entry into crypto and stock trading. Its smooth integration of financial services makes it ideal for those who prioritize convenience, everyday utility, and intuitive design over advanced trading functionality.
Frequently Asked Questions
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Is Revolut safe to use?
Yes, Revolut is regulated by the UK’s Financial Conduct Authority (FCA) and implements robust security measures such as cold storage for crypto, biometric login, and 24/7 fraud monitoring. User funds are safeguarded in segregated accounts, and standard zero-liability protections apply to unauthorized card transactions. -
How do I get started with Revolut?
Simply download the Revolut app, register with your mobile number, complete identity verification with an ID and selfie, and fund your account via bank transfer or card. Once set up, you can start trading crypto and managing your finances directly through the app. -
What cryptocurrencies can I trade on Revolut?
Revolut supports trading of over 200 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), and many more. The platform also allows recurring buys, price alerts, and external wallet withdrawals for selected coins. -
Are there any fees for trading crypto on Revolut?
Yes, Revolut charges a commission starting at 0.25% for most users, and 0.12% for Ultra subscribers. Some free trading volume is included in higher-tier plans, and network fees apply for crypto withdrawals. -
Can I withdraw crypto from Revolut to an external wallet?
Yes, Revolut allows crypto withdrawals for selected supported assets. You can send coins like BTC and ETH to your personal wallet, with blockchain network fees displayed and deducted during the transaction.
Our Review Methodology
At Tradelize, we follow strict editorial standards to ensure all content is accurate, unbiased, and thoroughly researched. Our reviews, guides, and articles are fact-checked by a team of experienced cryptocurrency and finance professionals, and are not influenced by advertisers or affiliate relationships. Our Trust Score methodology combines direct data scraping from official broker, exchange, and wallet websites with sentiment analysis of up to 1000 verified user reviews. This dual-source approach enables us to objectively evaluate platform features, fees, regulations, security, and customer satisfaction. We then compile comprehensive, specification-based reviews that reflect both technical details and real user experience.
Disclaimer
Trading cryptocurrencies, forex, CFDs, and other derivatives involves significant risk and may not be suitable for all investors. Leverage can amplify both gains and losses. Past performance is not indicative of future results. The content on Tradelize is for informational purposes only and does not constitute financial or investment advice. Always seek professional guidance before making financial decisions. For full risk disclosures, click here.
