Revolut Review —
More Than an Investment App
Revolut is a financial super-app covering banking, savings, investing, crypto, kids accounts, and AI-powered money management. 75M+ customers globally. If you want everything in one place — from your salary to your ISA to your children’s savings — nothing else comes close.
Affiliate link — we may earn a commission. Capital at risk.
Revolut launched in 2015 as a multi-currency travel card and has expanded into the most comprehensive consumer financial super-app in the UK and Europe. With 75 million customers globally and 13 million in the UK, it now covers banking, savings, investing, crypto, kids and teens accounts, insurance, international transfers, and AI-powered money management — all from a single app.
Revolut Bank UK Ltd holds a full UK banking licence, authorised by the Prudential Regulation Authority and regulated by both the PRA and FCA. This is a stronger regulatory position than the e-money licence it previously held, and means your deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. Investment services are provided by Revolut Trading Ltd, separately FCA-authorised.
This review covers Revolut’s full product range for personal finance — savings, investing, the ISA, kids accounts, and the broader banking features that make it more than just an investment app. For investors who are purely cost-optimising, Trading 212 has lower fees. But no other platform in this review matches Revolut’s breadth.
Revolut’s Instant Access Savings account is currently the most prominently featured product on the platform, and for good reason: a promotional rate of 5% AER (variable) is available to new customers who open an account between 5 June 2026 and 4 August 2026, with the rate applying until 4 December 2026 on balances up to £25,000.
Standard (non-promotional) savings rates are determined by your Revolut plan: up to 2.9% on the free Standard plan, up to 3.5% on Plus, up to 4% on Premium and above. Interest is paid daily and compounded — meaning you earn interest on interest already earned. Withdrawals are penalty-free at any time, making this a genuine instant-access savings account rather than a fixed-term product.
The 5% AER is a time-limited boosted rate for new customers opening an Instant Access Savings account during the promotional window. After 4 December 2026, the rate reverts to your plan’s standard rate. The boosted rate applies to balances up to £25,000; amounts above that earn a blended rate. All rates are variable and may change with Bank of England rate decisions.
Savings funds are held with Revolut’s partner banks (including ClearBank), and the FSCS protection of £85,000 applies to your Revolut account balance overall. The savings account is managed within the main Revolut app — no separate login or transfer required.
Revolut’s investment platform provides access to 5,000+ stocks and ETFs across US, UK, and European markets. Fractional shares start from £1, making it possible to invest in high-priced companies like NVIDIA, Apple, or Berkshire Hathaway with small amounts. The platform covers the full passive investing toolkit: S&P 500 ETFs, global equity trackers, Vanguard and iShares funds, and sector ETFs.
The free monthly trade allowance is the defining feature of Revolut’s investment pricing. Each plan includes a set number of commission-free stock and ETF orders per month. Once exceeded, a 0.25% commission (0.12% on Ultra) applies per trade with no minimum fee.
| Plan | Monthly Cost | Free Trades/Month | Commission Above Limit |
|---|---|---|---|
| Standard | £0 | 1 | 0.25% |
| Plus | £3.99 | 3 | 0.25% |
| Premium | £7.99 | 5 | 0.25% |
| Metal | £14.99 | 10 | 0.25% |
| Ultra | £55 | 10 | 0.12% |
Recurring investments let you automate regular purchases of individual stocks or ETFs on a schedule. There is no portfolio-level automation equivalent to Trading 212’s Pies — recurring buys apply to a single instrument at a time.
Advanced search filters by sector, market cap, dividend yield, and P/E ratio — a genuinely useful tool for investors who want to screen for specific types of stocks without leaving the app. Price alerts and a news feed provide basic research support.
Revolut launched a UK Stocks and Shares ISA in July 2025. It is free to open — no separate subscription or custody fee beyond your existing Revolut plan. The ISA gives access to the same 5,000+ stocks and ETFs available in the standard invest account, with the same monthly free trade allowance applying inside the tax wrapper.
The ISA is flexible: you can withdraw and redeposit in the same tax year without losing your annual £20,000 allowance. ISA transfers in from other providers are supported. No custody fee, no inactivity fee, no platform fee.
What Revolut does not offer: no SIPP, no Junior ISA, no Lifetime ISA, no Cash ISA. For investors who need a pension wrapper, Freetrade offers a free SIPP on its Basic plan. Trading 212 is rolling out a SIPP via waitlist.
This is one of Revolut’s most genuinely distinctive features — and one that no other investment app in this review matches. Revolut offers dedicated accounts for children and teenagers at two levels, covering everything from a first pocket money card to a fully supervised financial education platform.
Revolut for Ages 6-15: A dedicated app and debit card for children aged 6-15, operated under parent or guardian supervision. Parents control the experience from their own Revolut app: set spending limits, freeze and unfreeze the card instantly, receive notifications for every transaction, and block categories like gambling and alcohol. Kids get a customisable physical card (fees may apply for card order and customisation) plus virtual cards for Apple and Google Wallet.
Financially, children can receive automated allowance payments from parents, request money, earn money by completing challenges and chores set by parents, and organise money into Pockets — custom sub-accounts for specific saving goals. Spending analytics show exactly where their money is going. Savings earn up to 4% AER (variable, rate depends on parent’s plan), paid daily, with no lock-in.
From age 13, children can also send and receive money from friends on Revolut, giving them a more independent experience while still under parental oversight. The kids app includes six partner subscriptions: Uber (40% off 3 rides), Picsart Plus, Chess.com Gold, Sleep Cycle Premium, Headway, and Nibble learning platform — all included for teens aged 13+.
Revolut for Ages 16-17: A separate account tier for older teens that bridges the gap between a children’s account and a full adult account, with additional independence and features appropriate for near-adults managing their own money.
For parents already using Revolut as their main bank, adding a kids account creates a single family financial hub: your salary, savings, ISA, investments, and your children’s spending and savings all visible and manageable in one place. No other platform in this review — not Trading 212, Freetrade, eToro, or Robinhood — offers this level of family-wide financial integration.
What makes Revolut the most comprehensive platform in this review is the banking ecosystem around its investment products. These features matter because they determine whether Revolut is the right financial home for your entire money life, not just your investment portfolio.
Revolut’s strength is breadth. No other platform in this review covers banking, savings, ISA, investing, crypto, kids accounts, and AI tools in a single product. The right user for Revolut is one who values that integration over having the single cheapest investment product.
- Families wanting all-ages financial management
- Existing Revolut banking customers
- Savers wanting 5% AER instant access
- International users & frequent travellers
- Investors wanting banking + investing + crypto
- Parents teaching kids about money
- RevPoints earners on paid plans
- Pure cost-focused investors (Trading 212 cheaper)
- Investors needing a SIPP or JISA
- High-frequency traders (trade limit model)
- Portfolio automation (no Pies equivalent)
- Deep research & analysis tools
- US investors (UK/EU focused platform)
Revolut Business is a separate product from the personal account, designed for limited companies, partnerships, and incorporated businesses. As of March 2026, Revolut holds a full UK banking licence — meaning business deposits are now protected by the FSCS up to £120,000 per person, a meaningful upgrade from its previous e-money status.
The business account covers multi-currency banking in 25+ currencies at interbank rates, team debit cards with customisable spend controls, bulk payments, international transfers, and integrations with accounting software including Xero, QuickBooks, and Sage. Payment acceptance (online and in-person) is also available with next-day settlement.
There are four plans, with pricing based on transaction volume and feature requirements:
| Plan | Monthly Cost | FX Allowance/mo | Best For |
|---|---|---|---|
| Basic | £0 | £1,000 | Early-stage businesses testing the platform |
| Grow | ~£30 | £15,000 | Active SMEs with regular international payments |
| Scale | ~£90 | Higher | Higher-volume businesses needing advanced features |
| Enterprise | Custom | Custom | Large businesses with dedicated account management |
Annual subscriptions save up to 22% versus monthly billing. The Basic plan’s £1,000/month FX allowance runs out quickly for any business with regular international supplier payments — a business converting £5,000/month into other currencies may exceed the cap in the first week and pay a 0.6% overage fee on the remainder. Most active SMEs end up on Grow.
Revolut Pro is a lighter option for freelancers and sole traders, available within the personal Revolut app at no monthly fee. It covers invoicing, expense tracking, and separating business from personal finances — without the need to open a full business account.
Revolut runs one of the more generous affiliate programmes in UK fintech. Business account referrals earn up to £500 per successful signup via the Impact platform. Retail account referrals (personal plans) earn £2-£20 depending on the plan the referred user selects. Commissions are paid monthly on 30-day terms with no minimum payout threshold.
The programme is open to publishers, comparison sites, financial content creators, and anyone with a relevant audience. Affiliates are provided with pre-approved creative assets, tracking links, and access to a co-branded landing page. Applications are reviewed by Revolut — adult content and gambling sites are excluded. If you run a finance publication or have an audience of business owners, the business referral commission in particular is worth exploring.