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Revolut review Germany

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A money app designed for low-cost, simple spending.

Revolut is a finance app and card that are designed to let you easily manage and spend your money. It’s a good option for those who want a simple way to manage their money, to save on foreign currency and want access to premium features.

This review covers everything you can do with Revolut in Germany, including how it works, what it costs and its pros and cons, to help you establish whether Revolut is right for you.


Monthly fee


ATM fee for Euro withdrawals

0.5% per payment

Currency conversion fee


Product NameRevolut Standard
Monthly fee€0
Card deliveryUp to 9 working days
ATM fee for Euro withdrawals2%
ATM fee for other currencies2%
Currency conversion fee0.5% per payment
Free ATM withdrawal limit€200 per month
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
More Info

How does Revolut work in Germany?

Revolut is a money app that lets you spend globally at a minimal cost. When you sign up, you will need to choose between three account tiers, starting at €0 per month for the Standard account.

For all account tiers, Revolut gives you an IBAN account, a UK account and a debit card so you can spend your money. You can spend in over 150 currencies at the interbank exchange rate and exchange 29 fiat currencies. There are a number of features that come with each account tier, such as free ATM withdrawals, as well as exclusive features that come with the Premium and Metal accounts.

What features are available?

The app is simple, easy to navigate and streamlined. With Revolut, you can do the following:

  • Use it as a current account. You get a UK account number and sort code as well as an EU IBAN. You can set up recurring payments, withdraw cash at ATMs, make contactless payments and use both Apple Pay and Google Pay. You’ll be able to view your balance on a spending-visualisations screen.
  • Make international payments. The app lets you transfer money to 30 countries fee-free at the interbank exchange rate (the same rates banks give each other).
  • Spend globally fee-free. All spending abroad is also charged at the interbank rate.
  • Hold different currencies in your account. You can hold a balance in the app in 16 currencies.
  • Pay friends. You’re able to pay other people with ease or use the split-bill feature to divide a group spend.
  • View spending habits. Using analytics, your spending will be categorised by type of transaction, by merchant or by country.
  • Control your card and account. You can lock and unlock your card in the Revolut app as well as set monthly spending limits.
  • Save money. Revolut’s Vault feature let you build up funds for a specific funding goal. Keep in mind it doesn’t pay any interest like a normal savings account, but it can be helpful for saving towards short-term goals.
  • Free child’s account. Revolut Junior is a money management platform aimed at children aged seven to 17 years old. This feature lets parents or guardians securely manage their child’s spending in a sub-account within the app. It’s available to Premium and Metal Revolut account holders only.
  • Buy cryptocurrency. We explain more about crypto below.

How do the Revolut accounts work?

Revolut has three tiers: Standard, Premium and Metal. The Standard account is €0 per month, the Premium account is €7.99 per month and the Metal account is €13.99 per month.

For the monthly fee, you’ll get the following features with each account:

Compare Revolut with other digital banks in Germany

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Comdirect Bank Current Account
A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
Norisbank free current account
5-7 working days

Receive €100 starting credit for a limited time*

Benefit from a €0 account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Openbank Kostenloses Girokonto
A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
Commerzbank Kostenloses Girokonto
3 to 4 business days

Receive €100 starting credit after 3 months of account activity

A current account with €0 fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.

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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Fidor Smart Current Account
A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
N26 You
Up to 10 working days
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Tomorrow Zero
3-5 business days
A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month
TARGOBANK Online-Account
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.

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Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
Up to working 10 days
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.

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Please note these products are not licenced as banks. Check our product review pages for details.
Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Holvi Starter
Up to 10 business days
An online account ideal for new businesses with €0 monthly fees and unlimited SEPA transfers. Includes a Holvi Business debit Mastercard.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
3-5 business days
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Holvi Grower
Up to 10 business days
A full online business account with unlimited SEPA transfers, unlimited invoicing and up to three Holvi Business Debit Mastercards.
Revolut Standard
Up to 9 working days
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and the ability to hold over 15 currencies in your account.

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*You must transfer at least 3 salary payments (wages, salary, pension, salary, BAföG) of at least 1,000 € per month by 31 March 2021.

How do you use Revolut abroad?

Many financial institutions charge you additional fees to use your card abroad, or they transfer your money at non-competitive rates. One of Revolut’s most appealing features is that it lets you spend fee-free at the interbank rate in over 150 currencies.

Using it abroad is much like using it in Germany. However, don’t forget that while there’s no spending limit for card payments, free ATM withdrawals are limited to €200 per month with the Standard account (higher for Premium and Metal), after which you’ll be charged a 2% fee.

What is Revolut’s auto-exchange?

Revolut lets you switch between currencies automatically at a rate that you set. This is a useful feature if you’re planning to travel abroad. You can set a value for when you want to convert your money. For example, you could set the app to convert 100 EUR into GBP when GBP costs less than 1.1 EUR. When the conversion rate hits the value you’ve set, your money will be exchanged.

You can also use this feature with cryptocurrencies. However, Revolut will stop the conversion if the market is especially volatile. It can move a maximum of 0.75% over or below the target for regular currencies and 5% for cryptocurrencies.

Is Revolut safe?

Revolut received its European banking licence from the European Central Bank in December 2018. This means that if you open a current account with Revolut in the future your funds will be protected up to €100,000. However, at the time of writing, this was still being put into place. For now, Revolut still has obligations to safeguard your funds in a separate bank so you can get them back should anything happen to Revolut.

In terms of smartphone security, Revolut’s smartphone app is protected by a password or fingerprint ID. Immediately freeze or unfreeze your card in the app if it’s been misplaced, lost or stolen. You can take further control by turning online, ATM and contactless payments on or off.

How do cryptocurrencies work with Revolut?

Revolut stands out from its competitors in cryptocurrencies. In 2017, it became the first money app to let customers buy cryptos within the app.

What’s more, it’s incredibly easy for anyone to use cryptocurrencies such as Bitcoin with Revolut. Revolut’s aim is to make cryptocurrencies accessible. Customers have access to five different cryptocurrencies: Bitcoin, Litecoin, Ether, Bitcoin Cash and XRP. However, you have to hold a Premium account or higher to access the cryptocurrency feature automatically. Otherwise you will need to invite three or more friends to use the app to unlock the feature.

Revolut shows you real-time cryptocurrency graphs which shows you current rates. You can also set up price alerts to hear when your cryptocurrency hits a certain value.

Pros and cons of Revolut


  • Hold 24 currencies in your account and exchange them instantly.
  • Get an IBAN and UK current account in one app
  • Free ATM withdrawals
  • Concierge service and insurance with paid accounts
  • Spend in over 150 currencies at the interbank exchange rate
  • Instant top-ups from your main account


  • Revolut applies a markup of 0.5% on major currencies and 1% on other currencies over the weekend when markets are closed.
  • You are charged at least a 1% markup for currencies such as the Thai baht, Russian rouble, Ukrainian hryvnia and the Turkish lira. This rises to 2% on weekends.
  • Foreign exchanges over €5,000 a month come with a 0.5% fee.
  • The Standard account doesn’t come with express card shipping and your card can take Up to 9 working days
  • Free ATM withdrawals are capped each month
  • Revolut has no branches, which can put off those who prefer face-to-face customer service.

How do you sign up with Revolut in Germany?

You sign up to Revolut by downloading the app to your smartphone and registering. You will need to verify your identity by providing a valid ID and taking a selfie. After you sign up, you can request a contactless Revolut card and begin using your account.

Frequently asked questions

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