Source-backed analysis8
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
8 reference sourcesInformation updated Nov 10, 2026
How we review
Revolut Review
UK-born finance super-app: multi-currency cards, transfers, savings and investing
By AppDuo Editorial Team · Updated
- iOS
- Android
- Web
On this page
Decide at a glance
Our verdict
Revolut suits people who spend, travel or send money abroad and want cards, currency exchange, savings and investing in one app. The trade-offs: many benefits sit on paid plans, fees vary by plan and country, and Wikipedia's summary records security and outage incidents.
Best for: Frequent travellers and people who spend abroad and want a multi-currency card
Skip it if: People outside Revolut's supported markets; the App Store text is for UK residents and says Revolut is not a licensed bank in every region
Pros
- The Standard plan has no subscription fee; virtual cards and instant transfers to other Revolut users are free
- High ratings: UK App Store 4.9/5 (1.1M+ ratings) and Trustpilot 4.7/5 (488,000+ reviews)
- Broad range: cards, exchange, savings, stocks and ETFs, an AI assistant and insurance on paid plans
Cons
- Many benefits (higher ATM limits, insurance, lounge access) sit on paid plans at £3.99 to £60 a month
- From 14 October 2026 the other-international-payments section has new fixed fees; the fee shown in the app depends on currency and destination
All pros and cons · Who is it for?
Pros
- Large scale: per the Google Play listing, Revolut has 80 million-plus customers worldwide, over 14 million of them in the UK
Cons
- Google Play shows only 4.3/5, below the App Store; Wikipedia records a data breach confirmed on 12 September 2026 and an outage on 20 October 2026
Best for
- People who want exchange, international transfers and share investing in one app
Skip it if
- Anyone who wants predictable flat fees on every international payment
Problems it solves
Experience & key features
What it is
Revolut is the finance app of Revolut Ltd, headquartered in London. According to Wikipedia, it was founded on 1 July 2015 by Nik Storonsky and Vlad Yatsenko. The Google Play listing cites 80 million-plus customers globally, over 14 million of them in the UK. In the UK, banking is provided by Revolut Bank UK Ltd, regulated by the PRA and FCA, and investing by Revolut Trading Ltd.
Key features
Per the homepage and app listings, Revolut offers physical and virtual debit cards, spending in 150-plus currencies, transfers to 160-plus countries, savings with daily interest (up to 4% AER variable on Ultra, on balances below £200,000), 5,000-plus stocks and ETFs, RevPoints and an AI assistant called AIR. Eligible UK deposits are FSCS-protected up to £120,000, per the App Store listing.
Plans and fees
Revolut has five plans: Standard (free), Plus (£3.99 a month), Premium (£8.99), Metal (£16.99) and Ultra (£60). Per the official fee schedule, Standard allows free ATM withdrawals up to 5 or £200 a month and then charges 2% (minimum £1), with fee-free exchange up to £1,000 a month and a 1% fee beyond it. The schedule says its other-international-payments section moved to fixed fees on 14 October 2026. These prices are for the UK; other countries may differ.
More analysis
Licences, incidents and comparison
According to Wikipedia, Revolut received a restricted UK banking licence on 25 July 2024 and a full one on 11 March 2026. Wikipedia also records a September 2022 data breach affecting over 50,000 customers, a data breach caused by fake government requests confirmed on 12 September 2026, and an outage on 20 October 2026. This is a secondary source. Compared with Wise, which focuses on international transfers, Revolut is broader thanks to investing and subscription tiers, but its fees depend on the plan.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Standard
PersonalFree
Free. Free ATM withdrawals up to 5 or £200 per rolling month (whichever comes first), then 2% per withdrawal (minimum £1). Currency, crypto and commodity exchange is fee-free within a combined £1,000 monthly limit, with an extra 1% fair usage fee above it. International payments outside SEPA carry a fee shown in the app before you confirm.
Plus
Personal£3.99/mo
Exchange limit of £3,000 a month (0.5% fair usage fee above it), a £200 a month fee-free ATM limit per the plan comparison, and purchase insurance.
Premium
Personal£8.99/mo
No exchange limit, a 20% discount on Revolut's international transfer fees, a £400 a month fee-free ATM limit, a 3.25% AER GBP savings rate (versus 2.9% on Standard) and bundled partner subscriptions.
Metal
Personal£16.99/mo
No exchange limit, a 40% discount on international transfer fees, a £800 a month fee-free ATM limit, travel insurance and a metal card.
Ultra
Personal£60/mo
No exchange limit, no Revolut-charged international transfer fees, a £2,000 a month fee-free ATM limit, a platinum-plated card, unlimited airport lounge access and cancellation cover.
- Free plan limits
- The Standard plan has no subscription fee; some items such as physical card delivery, additional cards (£5 each) and international payments still carry fees under the Personal Fees (Standard) schedule.
- Free trial
- No free trial
Cancellation & refunds
The refund terms for paid plans were not reviewed; Revolut points to its Paid Plan Terms on the plan comparison page. Read them before upgrading.
Privacy
Revolut's privacy notice (effective 17 March 2026) says it collects information you give it (ID documents, financial details), device information (location, IP address) and information from others such as credit reference agencies. Revolut states it will never sell personal data, and you can ask for a copy, deletion or an end to marketing use via [email protected]. The Google Play Data safety section says no data is shared with third parties, while the App Store label declares identifiers used for tracking across other apps and websites. The two declarations do not fully match.
Revolut alternatives
7.4/10Trade Republic
European neobank and broker: invest from 1 €, fee-free savings plans, interest on cash
6.9/10Chime
US banking app with no monthly fees, but 3.4/5 on Trustpilot over support and disputes
Frequently asked questions
Is Revolut free?
The Standard plan has no subscription fee, but items such as physical card delivery, additional cards, ATM withdrawals over the limit and international payments carry fees. Plus, Premium, Metal and Ultra cost £3.99 to £60 a month in the UK.
Are deposits at Revolut protected?
The UK App Store listing says eligible deposits are FSCS-protected up to £120,000, and investments with Revolut Trading Ltd up to £85,000. It states this applies to UK residents, so protection elsewhere depends on the entity serving you.
Does Revolut sell personal data?
The privacy notice (effective 17 March 2026) says Revolut will never sell personal data. You can request deletion or an end to marketing use via [email protected] or in the app.
Does Revolut offer 24/7 support?
The plan comparison page says support is available 24/7 via in-app chat, with in-app calls added from Premium up. Ultra phone support is English only.
Review evidence & sources8
Scores
- Ease of use
- 8.3
- Features
- 8.8
- Value for money
- 7.6
- Performance
- 7.2
- Support
- 6.8
- Privacy & security
- 6.3
Why this score
UK App Store 4.9/5 from over 1.1 million ratings and Trustpilot 4.7/5. Google Play is lower at 4.3/5 from over 4 million reviews, and the many plans and fee tables can be hard for newcomers to absorb.
Why this score
Multi-currency cards, transfers to 160-plus countries, spending in 150-plus currencies, daily-interest savings, 5,000-plus stocks and ETFs, the AIR assistant and insurance. Among the broadest of consumer finance apps.
Why this score
The Standard plan is free and many internal actions cost nothing, but exchange limits, ATM limits and international transfer fees depend on the plan. The top plan costs £60 a month.
Why this score
No independent uptime data. Wikipedia records an outage linked to Google Cloud on 20 October 2026 and a cyberattack in September 2022; neither was checked against primary sources.
Why this score
The plan comparison page lists 24/7 support via in-app chat; Plus gets priority chat, and Premium and above add in-app calls. There is no independent data on response times.
Why this score
The privacy notice promises not to sell data and allows deletion requests. However, the Google Play and App Store declarations differ, the app collects ID documents and location, and Wikipedia records two customer data breaches (September 2022 and September 2026).
What users say
- Apple App Store (Anh)4.9/5 · 1,102,300
- Google Play4.3/5 · 4,190,000
- Trustpilot4.7/5 · 488,849
Sources
- Vendor-providedRevolut homepage (UK)Nov 10, 2026
- Vendor-providedRevolut plan comparison (UK)Nov 10, 2026
- Vendor-providedRevolut Personal Fees (Standard)Nov 10, 2026
- Vendor-providedRevolut Customer Privacy NoticeNov 10, 2026
- storeApp Store listing (UK)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- review-siteTrustpilot: RevolutNov 10, 2026
- Community-reportedWikipedia: Revolut (company timeline)Nov 10, 2026
Specs & compatibility
- Developer
- Revolut Ltd
- Headquarters
- United Kingdom
- Launched
- 2015
- Category
- Finance
Capabilities
- Mobile app
- AI features
- Integrations
Platforms
- iOS
- Android
- Web
Interface languages
- English
- French
- German
- Spanish
- Portuguese
- Russian
- Japanese
Integrations
- Thẻ ghi nợ Revolut (vật lý và ảo)
- Revolut Pro
- Revolut Business
Support
- Live chat
- Phone
- Help center
Change history
- Price.Revolut updates the other-international-payments section of its Personal Fees (Standard) schedule with fixed fees.
- Company.Per Wikipedia, Revolut receives a full UK banking licence, bringing FSCS protection for deposits under £120,000.
- Company.Per Wikipedia, Revolut receives a UK banking licence with restrictions (mobilisation stage).
Full change history (6)
- Update.Per Wikipedia, a cyberattack exposes personal data of over 50,000 customers.
- Company.Per Wikipedia, Revolut receives an EU banking licence and an EMI licence.
- Launch.Per Wikipedia, Nik Storonsky and Vlad Yatsenko found Revolut.
About the author
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