Europe's #1 Neobank — Banking, Stocks & Crypto All-In-One
Revolut was founded in 2015 in London and has become Europe's most popular neobank with 50 million users. In 2024, it received a full banking licence from the UK Prudential Regulation Authority (PRA), making it a fully-licensed bank. It is also licensed as a bank in Lithuania (covering EU). Revolut goes far beyond banking: it integrates commission-free stock and ETF investing, 200+ cryptocurrencies, commodities, and high-yield savings — all in one app. Best for users who want a comprehensive financial hub in one place.
| 🏛️ Founded | 2015 |
| 📍 Headquarters | London, United Kingdom |
| 📈 Listed on | Private (unicorn, valued at $45B as of 2024) |
| 📜 Regulators | Bank of Lithuania (EU banking licence), FCA (UK — e-money licence), PRA (UK banking licence — 2024) |
| 💵 Min. Deposit | €0 |
| 💰 Stock/ETF Commission | 0% on US and EU stocks (Standard plan); up to 3 free trades/month on free plan |
| 💱 FX / Spread | Interbank FX rate on weekdays (up to €1,000 on Standard; unlimited on paid plans) |
| 😴 Inactivity Fee | None |
| 🏧 Withdrawal Fee | Free to Revolut accounts; ATM: free up to limits by plan |
| 🖥️ Platforms | Revolut App (iOS/Android), Revolut Web |
| 🎮 Demo Account | No |
| 🛡️ Investor Protection | Bank of Lithuania banking licence: deposits protected up to €100,000 (EU deposit guarantee). UK: PRA banking licence — £85,000 FSCS. |
| 👥 Clients | 50,000,000+ |
Revolut's mobile app (iOS and Android) is one of the most polished fintech apps available. It includes a full multi-currency account, instant spending notifications, budgeting and analytics, linked savings vaults, stock/ETF/crypto investing, insurance products, and international money transfers. The UI is clean and intuitive. There is no desktop trading terminal — all investing is done via the app.
Revolut offers: multi-currency accounts in 36 currencies; instant international transfers at interbank rates; commission-free US and EU stock trading; ETFs; 200+ cryptocurrencies; gold and silver; high-interest savings vaults (up to 5% AER on Premium/Metal plans); travel insurance; phone insurance; and personal loans. Revolut Standard (free plan) includes 3 free stock trades/month; Premium and Metal plans include unlimited trading.
Standard plan (free): 3 free stock trades/month (£1 per trade after); interbank FX rate up to €1,000/month weekdays (1.5% weekend markup). Plus plan (€3.99/month): 5 free trades. Premium (€8.99/month): unlimited stock trades, 1% crypto fee. Metal (€15.99/month): 0.12% crypto fee, dedicated support. No inactivity fee. No overdraft fee. ATM: free up to limits per plan.
| Stocks & ETFs | 0% on US and EU stocks (Standard plan); up to 3 free trades/month on free plan |
| Forex / Spread | Interbank FX rate on weekdays (up to €1,000 on Standard; unlimited on paid plans) |
| Inactivity fee | None |
| Withdrawal fee | Free to Revolut accounts; ATM: free up to limits by plan |
| Min. deposit | €0 |
Revolut holds a full banking licence from the UK PRA (2024) and a Lithuanian banking licence (EU). Deposits are protected up to £85,000 (UK FSCS) and €100,000 (EU deposit guarantee scheme). Stock investments are held separately from Revolut's banking operations via a registered securities firm (Revolut Trading Ltd, FCA-authorised). Crypto assets are held in cold storage via licensed custodians.
| Regulators | Bank of Lithuania (EU banking licence), FCA (UK — e-money licence), PRA (UK banking licence — 2024) |
| Investor Protection | Bank of Lithuania banking licence: deposits protected up to €100,000 (EU deposit guarantee). UK: PRA banking licence — £85,000 FSCS. |
| Publicly Listed | Private (unicorn, valued at $45B as of 2024) |
Available in 50+ countries including all EU, UK, USA (limited), Australia, Japan, Singapore, Brazil. US users: Revolut USA (in partnership with Metropolitan Commercial Bank).
Revolut is the best all-in-one financial app for people who want banking, investing, and crypto in one place. Its full banking licence (UK and EU), 50M user base, and breadth of features are unmatched among neobanks. The main drawbacks are limited trading tools (no advanced charting), and investing features require a paid plan for unlimited stock trades.
* When you invest, your capital is at risk. The value of your portfolio can go down as well as up.