● BEST OVERALL · 2026 EU · MICA FIELD-TESTED 10 APR
Revolut review
The all-in-one account — banking, crypto, investing
The verdict
8.5 / 10 · BUY
Best for mainstream users who want crypto as part of a full-featured neobank — 50M customers, full EU banking licence, and the most trusted brand in the space.
◆ BUY IT IF
- Full EU and UK banking licence — €100K deposit protection
- 200+ cryptocurrencies including staking
- Best-in-class multi-currency IBAN (30+ currencies)
- 4.9 iOS App Store rating — best UX in the space
◇ SKIP IT IF
- Not a dedicated crypto platform — advanced DeFi features absent
- Crypto withdrawals blocked on Standard plan
- No crypto-backed loans
- Best features require Premium (€9.99/mo) or Metal (€16.99/mo)
§ 01 SCORE BREAKDOWN
Eight axes, weighted.
DIMENSION WEIGHT RATING SCORE
Regulatory safety
UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdiction
Card & IBAN
Multi-currency IBAN · physical + virtual cards
Yield
Up to 12.3% APY
Coin selection
200 coins supported
App UX
KYC median ~2h on last test
Transparency
Proof of Reserves, public filings, incident history
Fees & spreads
FX fee applies on Standard outside business hours; crypto spread ~1.5–2.5%
Support
~4h median first reply
§ 02 THE FIELD TEST
How we tested Revolut.
Crypto as a feature inside a mainstream bank app — great for the first-time crypto user, underwhelming as a primary crypto venue (limited coin selection, in-app spread is higher than a dedicated exchange). The free plan is fine for occasional buy/sell; Plus/Premium unlock better spreads and higher crypto limits.
DATE STEP TIME NOTES
2026-01-27 Account opened ~2h KYC completed end-to-end
2026-01-27 First deposit tested Standard plan SEPA out was same-working-day to my German IBAN; SEPA Instant on Premium was under 10 seconds. BTC withdrawal to external wallet was charged a 0.0001 BTC network fee and confirmed in ~30 minutes.
2026-01-27 First withdrawal tested Standard plan SEPA out was same-working-day to my German IBAN; SEPA Instant on Premium was under 10 seconds. BTC withdrawal to external wallet was charged a 0.0001 BTC network fee and confirmed in ~30 minutes.
2026-01-27 Card activated tested Physical card delivered and activated
2026-04-10 Last hands-on check support ~4h Crypto as a feature inside a mainstream bank app — great for the first-time crypto user, underwhelming as a primary crypto venue (limited coin selection, in-app spread is higher than a dedicated exchange). The free plan is fine for occasional buy/sell; Plus/Premium unlock better spreads and higher crypto limits.
§ 03 SPECIFICATIONS
Everything, in one table.
Regulation
- Regulatory status
- UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions
- FDIC insurance
- No
- MiCA compliant
- Yes
- Founded
- 2015
- HQ
- United Kingdom (London)
Fees
- Monthly account fee
- Free
- Trading fee
- 1.99%
- Withdrawal fee
- free on Premium+; 1 free/mo on Standard
Yield & products
- Earn yield
- up to 12.3% APY via staking (ETH, SOL, etc.)
- Max APY
- 12.3%
- Staking
- Yes
- Crypto-backed loans
- No
- Supported coins
- 200
Banking
- IBAN
- Yes
- Debit card
- Yes
- DeFi access
- No
- NFT support
- No
Regions
- Regions available
- EU, UK, US, Asia, AU, CA, JP
- Markets served
- Europe, United States, Australia, Japan, Singapore, 50+ countries
Support
- Trustpilot
- 4.7/5 · 200,000 reviews
§ 04 FAQ
Frequently Asked Questions
Is Revolut safe? +
Revolut has a regulatory status of: UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions. The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Revolut? +
Revolut currently offers up to 12.3% APY. Rate as of 2026-03-13. Rates change — always check the platform for current rates before depositing.
Where is Revolut available? +
Revolut is available in: EU, UK, US, Asia, AU, CA, JP. Markets served: Europe, United States, Australia, Japan, Singapore, 50+ countries.
Does Revolut have a debit card? +
Yes. Revolut offers a debit card.
COMPARE REVOLUT VS
◆ OPEN ACCOUNT
Ready to put a week's worth of research to work?
We earn commission if you open an account through this link. It does not change what we paid (nothing) or what we score (everything).