Bank license
Mixed model (bank + EMI entities)
Revolut uses bank-entity coverage in parts of EEA while operating EMI/safeguarding structures in other regions.
Checked on: 2026-06-28
Open sourceProvider review
Revolut
Revolut appeals to people who want a polished app, flexible plans, and a broad mix of card controls, vaults, and digital-first features, especially for online spending and app-led everyday money management.
Best for: Online shopping
Last updated
2026-06-11
Source quality: Medium
Based on 2 official source links and Trustpilot check (2026-06-13).
5 review samples analyzed, 100% substantiated.
Facts
Data snapshot
Updated 2026-06-11
- Monthly cost
- EU plans: Standard € 0; Plus € 3.99; Premium € 10.99; Metal € 19.99; Ultra € 65 per month
- ATM free limit
- ATM free by plan: Standard € 200/month or 5 withdrawals; Plus € 200/month; Premium € 400/month; Metal € 800/month
- ATM after limit
- After monthly ATM allowance: 2% fee per withdrawal with minimum € 1; third-party ATM fees may apply
- FX cost
- Exchange in 35 currencies at Revolut rate within plan limits; Standard and Plus can have weekend exchange fees
- Card cost
- First physical card is free for Standard/Plus; delivery: Standard € 7.99 (EU reference), Plus free; express € 19.99
- Currencies
- 35 exchange currencies in provided EU plan text; app copy also mentions 30+ for holding/exchange
- Deposit guarantee
- Eligible deposits are protected via the Lithuanian deposit guarantee scheme (Revolut Bank UAB), with service-level exceptions
- IBAN type
- Current operations indicate local IBAN availability for newly onboarded EU customers in selected markets (including NL); exact quoted wording was not found in provided sources
Compliance badges
Compliance snapshot
Updated 2026-06-28
EMI safeguarded funds
Yes (in EMI entities)
Where service is provided via an EMI entity, safeguarding rules apply for client funds.
Checked on: 2026-06-28
Open sourceDeposit guarantee
Yes for eligible bank-entity deposits (region-dependent)
Coverage depends on which Revolut entity serves the user; treatment differs by jurisdiction and product setup.
Checked on: 2026-06-28
Open sourceKnown friction
Account restrictions reported in compliance checks
Reported friction includes temporary account restrictions during fraud/KYC review workflows.
Checked on: 2026-06-28
Open sourceApp visuals
Revolut app visual
Live app preview for this provider. This visual is mapped one-to-one to the current provider page.
Current pageRevolut
Who it is best for
- Online shopping
- Students
- Travel with app-first controls
Pros
- Excellent digital card controls and app experience.
- Good fit for online shopping and security-conscious users.
- Flexible plan ladder for different usage levels.
Cons
- Pricing and benefits are highly plan-dependent.
- Weekend FX conditions on the free plan are a real trade-off for travel users.
- Availability differs across countries.
Quick comparison (2026)
Direct snapshot of provider, monthly cost, FX, ATM, and best use case.
| Provider | Monthly cost | FX profile | ATM | Best for |
|---|---|---|---|---|
| Revolut | EU plans: Standard EUR 0; Plus EUR 3.99; Premium EUR 10.99; Metal EUR 19.99; Ultra EUR 65 per month | Exchange in 35 currencies at Revolut rate within plan limits; Standard and Plus can have weekend exchange fees | ATM free by plan: Standard EUR 200/month or 5 withdrawals; Plus EUR 200/month; Premium EUR 400/month; Metal EUR 800/month | Online shopping |
| Wise | No monthly fee | For EUR SWIFT transfers outside SEPA: EUR 5.21 (shared) or EUR 25.22 (fixed), plus conversion/payment-method fees | Reference profile: EUR 250/month | Frequent travel |
| Monese | EU plans: EUR 0 / 2.95 / 7.95 / 14.95 (Pay As You Go, Everyday, Cashback, Premium) | Foreign card spending fee by plan: 3% (Pay As You Go), 2% (Everyday), 0.5% (Cashback), 0% (Premium) | ATM free tier by plan: none (Pay As You Go/Everyday), EUR 500 (Cashback), EUR 2,500 (Premium) per month | Quick GBP/EUR setup |
Costs and limits details
Literal values are shown where available. Always verify current plan terms on official pages.
Exchange rate / FX fees
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Exchange rate / FX fees
Competitive FX can be available, but the free-plan experience is more conditional than Wise.
Literal value: Exchange in 35 currencies at Revolut rate within plan limits; Standard and Plus can have weekend exchange fees
Source: Revolut pricing
Last checked: 2026-06-11
Nuance: FX outcomes vary by currency pair, timing, plan, and country.
- Weekend or out-of-hours markups may apply depending on currency and plan.
- The Standard plan is often highlighted for a weekend markup and allowance-based limits, which weakens it for pure travel value.
- Transparent in-app pricing helps, but details vary by region.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
ATM withdrawal costs
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ATM withdrawal costs
Free ATM allowances often depend on tier, with fees after the limit.
Literal value: ATM free by plan: Standard € 200/month or 5 withdrawals; Plus € 200/month; Premium € 400/month; Metal € 800/month; After monthly ATM allowance: 2% fee per withdrawal with minimum € 1; third-party ATM fees may apply
Source: Revolut pricing
Last checked: 2026-06-11
Nuance: ATM limits and fees vary by plan and country.
- Higher plans may improve ATM terms.
- Operator fees may apply regardless of provider plan.
- Good for moderate travel cash needs, less ideal if you rely on ATMs often.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Supported/available currencies
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Supported/available currencies
Strong multi-currency support for spending and exchange.
Literal value: 35 exchange currencies in provided EU plan text; app copy also mentions 30+ for holding/exchange
Source: Revolut cards
Last checked: 2026-06-11
Nuance: Available currencies and account details vary by country.
- Good fit for people switching between major currencies regularly.
- Exact availability of holding and local details depends on jurisdiction.
- Coverage is broad, but not identical in every market.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Extra features
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Extra features
One of the richest feature sets in this comparison.
Literal value: Card: First physical card is free for Standard/Plus; delivery: Standard € 7.99 (EU reference), Plus free; express € 19.99
- Virtual cards, disposable cards, budgeting, and security controls are key strengths.
- Apple Pay and Google Pay support is common in supported markets.
- Premium features may sit behind paid tiers.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Price / subscription
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Price / subscription
Free plan exists, but paid tiers change the value equation.
Literal value: EU plans: Standard € 0; Plus € 3.99; Premium € 10.99; Metal € 19.99; Ultra € 65 per month
Source: Revolut pricing
Last checked: 2026-06-11
Nuance: Plan pricing and included benefits may differ by country.
- A free entry point helps students and casual users.
- Paid plans can add meaningful extras for heavier users and remove some free-tier pain points.
- Compare the plan matrix carefully before upgrading.
Availability, pricing, limits, and features vary by region and plan. Check the official source before applying.
Operational transparency
Only essential provider points: FX, limits, support, security, and dispute handling.
FX profile
Official Revolut plan pages state fee-free weekday exchange windows within plan limits, then fair-usage logic by tier.
ATM and limits
Official plan table shows ATM allowance by plan and post-limit fees (2% with minimum €1 in shown context).
Support response
Official complaints policy states acknowledgement within 5 business days and payment-service final response within 15 business days (up to 35 in exceptional cases).
Security
Official Revolut security pages explicitly mention biometric checks and two-factor authentication for sensitive actions.
Dispute timeline
Official complaints policy publishes concrete handling targets: acknowledgement in 5 business days and payment-service response in 15 business days (up to 35 exceptional).
Last update: 2026-06-29 10:15 CET
Sources
The information on our site is based on the information on these official sites:
FAQ
Is Revolut cheaper than Wise for travel card use?
Not always. It depends on plan tier, weekend behavior, and how often you withdraw cash.
Which Revolut tier is best for ATM usage?
Higher tiers usually improve ATM allowance, but total value still depends on your full monthly pattern.
Can Revolut have hidden travel costs?
Potentially, through tier conditions or timing effects, so compare FX behavior and limits together.
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