Revolut Review
Global money app with multi-currency accounts, crypto, and stock trading. Independent Revolut review: 4.1/5 for neobanks.
By Michael Hewitt, Founder & Editor-in-Chief.
Our verdict
The 4.50% APY headline belongs to the Metal plan at $17 a month, and the Standard plan earns a lower rate. Revolut is at its best holding and exchanging 36+ currencies at interbank rates, though weekend and after-hours exchange carries a 0.5% to 1% markup. U.S. banking still trails its European offering, which caps the grade.
Skip it if you want the top rate without a $17 monthly plan, or need predictable support response times.
About Revolut
Global money app with multi-currency accounts, crypto, and stock trading. Revolut is offered by Revolut Ltd. Our editorial rating is 4.1 out of 5.
Best for: Multi-currency global banking with investing and crypto in one app.
Editorial grade: B+ (composite score 82/100).
Highlights
- Hold and exchange 36+ currencies at interbank rates
- Commission-free stock trading (up to limits per plan)
- Buy, sell, and hold 100+ cryptocurrencies
- Up to 4.50% APY on USD savings (Metal plan)
What we like
- Broadest feature set of any neobank: banking, investing, crypto, insurance, travel
- Fee-free international transfers up to monthly limits
- Disposable virtual cards for secure online shopping
- Real-time spending notifications and budgeting tools
Where it falls short
- U.S. banking features still catching up to European offering
- FDIC coverage via partner banks, not direct Revolut charter
- Weekend and after-hours forex carries a markup (0.5–1%)
Fees, minimums, and rates
Monthly fee: $0 Standard / $8 Plus / $13 Premium / $17 Metal per month. Minimum to open: $0. Current APY: Up to 4.50% (Metal). Rates and promotional offers change often, so check the provider's own page before you apply.
How we reviewed it
This is a desk review: we have not opened an account with Revolut Ltd. It is built from Revolut Ltd's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Neobanks shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.
Similar products to compare
Read our full editorial methodology for how we review products.