Revolut Review

Money moves faster than ever. What used to take a trip to the bank now happens with a tap and a swipe. So in this Revolut review, I wanted to see if one of the most popular neobanks still holds up in a world that’s constantly chasing the next big fintech trend.

Other platforms, like Ogvio, are planning to push boundaries by bridging traditional finance with Web3 through instant crypto transfers and access to rewards like BitDegree’s Season 8 Airdrop.

So where does Revolut fit in? In this article, we’ll break down everything from its plans and fees to security and app experience, so you can see if Revolut is worth giving a shot.

Revolut Review: Quick Overview

First of all, what is Revolut? It’s a global finance tool that lets you hold, send, and exchange money in multiple currencies instantly. From budgeting to crypto trading, it packs plenty of features into one sleek app.

After reading through several Revolut reviews, it’s made clear to me that most people want to know what it’s really best for and whether it stands out among today’s money transfer services. If that sounds like you, check out the following quick overview of Revolut:

Table: Quick overview of Revolut

This quick overview table sets the stage for the rest of this Revolut review, showing how much ground it covers as an all-in-one finance app. It may not reinvent the wheel, but Revolut’s mix of payments, budgeting, and investing makes it a practical choice for many users.

Who’s Revolut For?

To really get how Revolut works, it helps to know who it’s made for. On the official site, Revolut splits its users into three groups: Personal, Business, and Kids & Teens.

But after digging through the features and the paid plans (more on that later), I think it makes more sense to look at it by lifestyle instead.

• Frequent travelers. Revolut makes spending abroad super easy. You can hold multiple currencies, get fair exchange rates, and spend overseas without worrying about hidden fees (at least on weekdays).
• Freelancers and digital nomads. Revolut is great for anyone getting paid from clients in different countries. You can accept payments in several currencies, move money fast, and even get local bank details in a few taps.
• Small business owners. Revolut Business is a solid option for managing team spending or international payments. You can issue cards, track expenses, and pay invoices worldwide.

• Families and teens. Revolut <18 is perfect for parents or guardians who want to teach their kids about money early. It gives kids their own card and app, while parents can still set limits and track every purchase.

Overall, Revolut works best for people who want control and convenience in one place. It’s built for travelers, freelancers, and families who like managing money the modern way and always right from their phones.

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Advantages

Revolut isn’t just another banking app, and it’s more like a financial Swiss Army knife. Whether you’re sending money abroad, splitting bills with friends, or tracking your daily budget, it wraps everything into one sleek app that feels effortless to use.

What really stands out in most Revolut reviews is how quick, flexible, and surprisingly feature-packed it is for both casual users and frequent travelers. With that said, here are the main things that stand out about Revolut:

• Instant transfer to Revolut users;
• Multi-currency wallet;
• Earning options;
• Built-in budgeting tools;
• Stock trading.

Let’s take a closer look at each one.

Revolut’s instant transfers are one of its best features. You can send money to other Revolut users instantly with no fees and no waiting. It’s perfect for splitting bills, paying friends back, or handling quick business payments, especially when you’re both using Revolut.

Then there’s the multi-currency wallet. Revolut lets you hold and exchange over 30 currencies in one app, all at competitive rates. You can switch between currencies in seconds, making it ideal for travelers or anyone dealing with clients abroad.

Earning options are another plus. Depending on your plan, you can earn cashback, interest on savings, or even use your card for partner discounts. Premium and Metal users, for example, can get better exchange rates and higher cashback on spending abroad.

The built-in budgeting tools make tracking expenses feel effortless. You can categorize spending automatically, set limits, and get instant alerts when you’re close to hitting your budget. It’s a small thing, but it helps a lot when you’re trying to manage money better.

And for those looking to grow their funds, Revolut offers access to stock, commodities, and crypto trading right in the app. You can start with small amounts, follow live prices, and diversify without needing a separate platform.

When it comes to crypto, Revolut handles things a bit differently. Instead of giving each user a separate wallet, it stores everyone’s coins together and tracks ownership internally.^[1] This setup keeps things safer and helps Revolut stay fully compliant.

Overall, Revolut combines the flexibility of a global wallet with the control of a modern banking app. Whether you’re spending, saving, or investing, it brings everything together in one smooth experience.

Limitations

Revolut might be one of the most advanced fintech apps out there, but it’s not perfect. While it offers tons of features that make managing money easier, there are a few things that can be frustrating for regular users. The main drawbacks are:

• Weekend exchange rate markup;
• Limited perks;
• No full banking features;
• Customer support issues.

Let’s go through each of them one by one.

First, the weekend exchange rate markup. Revolut adds up to a 1% fee on currency exchanges made during weekends to protect itself from market fluctuations. If you’re traveling or shopping internationally on a Saturday or Sunday, you’ll notice the difference.

Then there’s the issue of limited perks. Many of Revolut’s best benefits, like higher ATM withdrawal limits and better exchange rates, are locked behind paid plans that range from £3.99 to £45 per month. Serious users might feel pressured to upgrade.

Another limitation is that Revolut still lacks full banking features. It’s great for payments, saving, and investing, but you won’t get things like loans or full deposit protection everywhere. That can make it feel more like a smart wallet than a full replacement for your main bank.

Lastly, customer support remains a hit or miss. While Revolut has in-app chat, response times can be slow, especially for users on the free plan. Premium and Metal members get priority help, but others may have to wait a while for issues to be resolved.

Overall, Revolut’s downsides mostly come down to accessibility and support. It’s a sleek, powerful tool for digital finance, but if you want all the perks, faster help, and zero extra fees, you’ll need to pay for one of the higher tiers.

Revolut Card

In this part of the Revolut review, we get to see what ties the whole experience together: Revolut Card. You can choose between a physical card for everyday purchases and a virtual card for online transactions. Both connect directly to your account balance.

You can use your virtual Revolut card instantly after signing up and link it to Google Pay or Apple Pay for quick tap payments. The physical card, on the other hand, works anywhere major debit cards are accepted and comes with contactless support for smooth in-store checkouts.

Revolut cards are available to verified users in supported regions. You’ll need to complete a quick ID check to unlock all card features, including contactless payments and ATM withdrawals.

The card also comes with useful benefits, where you can share joint accounts or family cards with other Revolut users. You can set spending limits, track transactions in real time, and even freeze or unfreeze your card instantly through the app if it’s misplaced.

Of course, it’s not without limitations. Some premium card designs and higher spending limits are only available on paid plans like Premium, Metal, or Ultra. Also, not every country offers the same range of customization or delivery options.

Overall, the Revolut card makes spending and managing money effortless. Whether you’re shopping online or paying abroad, it’s a stylish, secure, and practical extension of your Revolut wallet.

Fees and Pricing

When it comes to Revolut fees, everything depends on which plan you choose. Revolut keeps its core service free, but users who want more perks, better limits, and advanced features can upgrade to one of its paid tiers.

There are five plans in total, and each is designed for different needs and budgets:

• Standard. Free, and works best for basic money management.
• Plus. £3.99/month, comes with better limits and spending management.
• Premium. £7.99/month, includes exclusive subscriptions, better savings rates, and no money transfer limits.

• Metal. £14.99/month, and best for global travelers and traders.
• Ultra. £55/month, with all the best perks Revolut has to offer (airport lounge access, partner subscription, and more).

Each plan adds its own perks and limits, so the difference really comes down to how often you use Revolut and where you spend. And as for minimum deposit, withdrawal, and transfer, Revolut keeps them flat at $10.

To make it easier to compare, here’s a quick overview of what each plan includes and how the Revolut fees stack up:

Table: Revolut’s plans and fees details.

Note that Revolut’s pricing is shown in both GBP and USD as listed on its official site. Actual prices may vary slightly depending on your country and currency region (UK, US, or EU).

Overall, the Revolut price system is fair for what you get. The free plan covers the basics well, but upgrading unlocks meaningful perks like higher limits, zero exchange markups, and added protection, making it easier to choose a plan that fits your lifestyle.

Security

If you’ve ever wondered is Revolut safe, the short answer is yes. Revolut takes security seriously, combining machine learning and artificial intelligence (AI) to secure your money, something that is increasingly prevalent in the financial sector.^[2]

Every account comes with two-factor authentication (2FA), which means you’ll need to confirm your identity before making sensitive changes or large transactions. This extra layer keeps your funds secure even if someone gets access to your login details.

Another key feature is device binding. Your Revolut account is locked to your registered device, so even if someone tries logging in from another phone or computer, they won’t get far without your approval.

Revolut also offers spending controls that let you set custom limits, block online or contactless payments, and monitor every transaction in real time. These controls make it easier to manage your budget and spot anything suspicious immediately.

And if something does go wrong, you can use the instant card freeze option. One tap in the app can temporarily disable your card, stopping all transactions instantly until you’re ready to unfreeze it again.

Altogether, these tools make Revolut one of the safest fintech apps, offering the flexibility of digital banking without sacrificing peace of mind.

User Experience

If you’ve spent a few minutes with the app, it’s easy to see why most Revolut app review scores lean positive.

The interface is clean, modern, and designed to make money management feel effortless, whether you’re budgeting, exchanging currencies, or splitting bills with a friend.

On Trustpilot, Revolut holds an impressive 4.6 out of 5 rating, which says a lot about how users feel overall. Many reviewers highlight how fast and convenient the app is, often praising its smooth navigation, instant transfers, and multi-currency support.

That said, not everything’s perfect. Some users report issues with delayed payments or difficulty reaching customer service when problems arise.

Overall, Revolut’s app delivers a dependable, intuitive experience that keeps everyday finance simple and quick.

Customer Support

Revolut keeps customer support right inside the app, so you don’t need to go hunting for contact options elsewhere.

The easiest way to get help is through the in-app chat. Just tap your profile icon in the top-left corner, click [Help], scroll down, then select [Support] to start chatting with a representative.

If you’re on a Premium, Metal, or Ultra plan, you get an extra perk: direct phone support. You can call Revolut’s customer service team straight from the app, which makes it easier to solve urgent problems like frozen accounts or lost cards.

For those who prefer handling things independently, Revolut also offers a well-organized Help Center. It covers almost everything from fees and limits to security tips and account recovery.

Overall, Revolut’s mix of live chat, in-app calls, and self-service help makes it easy to get assistance when you need it.

How to Use Revolut

Let’s move to the practical part of this Revolut review: actually using the app. The good news is that getting started is quick and beginner-friendly.

First, set up your account by adding your phone number and email. Then, Revolut will send you a quick confirmation email to verify it’s really you. From there, it’s all about managing your money smoothly.

Each action takes just a few steps in the app, so let’s go through how each one works below.

How to Add Money to Your Revolut Balance

Adding money to your Revolut account is quick and flexible, whether you’re topping up for daily spending or planning something bigger. In this part of the Revolut review, I’ll show you the simplest way to do it: through a bank transfer.

Follow the rest of the prompt to add money to your account. Once your payment goes through, the money will appear in your Revolut balance, ready to use instantly for payments, transfers, or saving goals.

How to Get a Revolut Card

Getting your Revolut card is quick and easy. Once your account is up and running, you can choose between a physical card for everyday use or a virtual one for instant online payments. Here’s how to get started:

Whether you go virtual or physical, your Revolut card is ready to use within minutes, making it one of the easiest ways to start spending securely.

How to Send Money to Other Revolut Accounts

If you’ve ever wondered how does Revolut work when it comes to sending money to other Revolut accounts, it’s actually simple by using the Revtag. A Revtag is your unique Revolut handle, where you can send (and request) money without providing personal details.

Now, I’ll show you how to send money using Revtags:

Once you hit send, the money lands in their account almost instantly.

How to Send Money From a Revolut Account to a Bank Account

Sending money from your Revolut account to a bank account is just as easy as transferring between Revolut users. Here’s how to do it:

After you confirm the details, Revolut handles the rest. Note that most transfers arrive within one to three business days.

How to Withdraw Money From Revolut

Getting your money out of Revolut is straightforward. You can move funds to your bank in just a few steps, whether you’re cashing out savings or transferring earnings. Here’s the step-by-step process:

Like sending money, withdrawals usually reach your bank within a few business days, keeping things quick and hassle-free.

Comparing Revolut With Other Fintech Services

As part of this Revolut review, it’s only fair to see how it stacks up against other fintech players. Revolut may be one of the most complete financial super apps, but similar platforms are quickly catching up, and each is bringing something unique to the table.

Revolut VS Ogvio

Ogvio is a newer all-in-one remittance and payments app that mixes fintech with Web3 features, while Revolut focuses more on global banking and multi-currency finance. Both let you send and receive money instantly between users, so transfers feel fast and simple.

Specifically for Ogvio, the instant transfer is available via the @Tag feature. It works by using your friend’s unique username instead of long account numbers or wallet addresses to send money. It makes the process feel more like sending a DM than a transaction.

The biggest difference is that Ogvio doesn’t use tiered plans like Revolut. Every user gets full access to the same features, from instant transfers and global remittances to crypto payments.

Revolut, on the other hand, locks some perks, such as higher limits and travel benefits, behind paid plans like Premium or Metal. It’s not necessarily bad, but it can feel a bit limiting for users who just want all the good stuff without paying extra or worrying about which tier they’re on.

When it comes to speed and fees, Ogvio aims for instant global transfers with flat, transparent pricing. Revolut’s transfer times are also quick, but costs can vary depending on your plan, exchange rates, or weekend markups.

📚 Read More: Ogvio Review

Revolut VS N26

N26 is a fully licensed digital bank based in Germany, while Revolut operates as a global financial app with banking-style features. Both make managing money simple, but they approach things a bit differently.

In terms of main features, both Revolut and N26 let you hold multiple currencies and make international transfers. However, N26 has a higher initial deposit limit of around $50, which is required when opening an account, while Revolut lets you start with a $10 deposit.

Where they’re similar is in how they’ve expanded beyond basic banking. Like Revolut, N26 also offers investment options in cryptocurrencies, stocks, and ETFs. This gives users a wider range of ways to manage and grow their funds directly from the app.

N26’s standout feature is its Spaces, mini sub-accounts that help you organize your money into goals, like rent, savings, or travel funds, while earning interest linked to the European Central Bank (ECB) rate. It’s a simple but powerful way to manage and grow your money in one place.

📚 Read More: Revolut VS N26

Revolut VS Wise

Wise was built to make international money transfers cheap, fast, and transparent. Revolut, on the other hand, focuses on doing more than just transfers as it already combines payments, investing, and budgeting in one place.

Both let you hold and exchange multiple currencies and spend globally with a debit card. The big difference is that Wise focuses on fiat money, while Revolut adds crypto, stocks, and premium perks for users who want more flexibility.

Plus, both Revolut and Wise cards allow you to withdraw money from ATMs that support the Visa and Mastercard networks.

Wise’s standout feature is its use of real mid-market exchange rates with no hidden markups, which is something Revolut doesn’t always match (especially on weekends or lower-tier plans).

In terms of speed and fees, Wise transfers are usually instant or same-day for local payments, while SWIFT transfers take about two to five business days.

Revolut matches that speed for internal transfers but may charge small markups for international ones, depending on your plan.

If you want the cheapest way to send money abroad, Wise is the winner. But for an all-in-one financial hub with crypto, investments, and rewards, Revolut still covers more ground.

📚 Read More: Revolut Alternatives

Conclusions

After exploring everything in this Revolut review, it’s clear that Revolut brings a fresh and practical take on modern finance. Whether you’re budgeting at home or sending money abroad, Revolut keeps things smooth and intuitive.

While its best perks sit behind paid plans and some features still depend on location, Revolut’s security, speed, and user-friendly design make it one of the most complete fintech tools available today.

Scientific References

1. Polasik M., Widawski P., Lis A.: 'Challenger Bank as a New Digital Form of Providing Financial Services to Retail Consumers in the EU Internal Market: The Case of Revolut'.

2. SACI F., Jasimuddin S.: 'Emergence of Fintech in the Financial Landscape: Stakes of Fintech and Competition with Traditional Banks';

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