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Revolut review France

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Find out what Revolut is offering and if it's right for you.

Revolut is a digital banking app and card that focuses on technology, low fees and premium features. It’s designed for those who travel a lot and offers ways to spend abroad, including international money transfers with no hidden fees.

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

€0

Monthly fee

€0

Domestic ATM fee

0.5%

Currency conversion fee

Details

Product NameRevolut Standard
Monthly fee€0
Card deliveryUp to 9 working days
Supported currenciesGBP,SEK,PLN,CHF,DKK,NOK,USD,CZK,CAD,AUD,RON,EUR
Domestic ATM fee€0
International ATM fee€0
Currency conversion fee0.5%
Fee-free ATM withdrawal limit€200 per month
Mobile paymentsApple Pay,Google Pay
Card typeMastercard
More Info

How does Revolut work?

Revolut is a digital banking 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 a free IBAN account, a free UK current account and a bank card so you can spend your money. You can spend in over 150 currencies at the interbank exchange rate and exchange 25+ 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 with Revolut in France?

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 25 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.
  • Teach financial skills. 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 France

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
VIALET Current Account
VIALET Current Account
€0
Up to 7 working days

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free, with free international transfers.
Monese Simple
€0
Up to 3 working days

2

No monthly fee and no ATM fees up to€200 per month after which a 2% fee applies with a dual-currency bank account. Includes a Monese Mastercard and multilingual user support.
Revolut Standard
€0
Up to 9 working days

12

Enjoy no monthly fees, no currency conversion fees up to Up to €1,000 per month, and the ability to hold over 15 currencies in your account.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Premium
€7.99
Up to 10 days

1

Enjoy a premium Visa card and multiple interest-earning bank accounts with unique IBANs at a competitive monthly rate.
N26 You
€9.90
Up to 10 working days

1

Benefit from free ATM withdrawals around the world, an insurance package, and a 0% currency conversion fee.
VIABUY Online Account
VIABUY Online Account
€1.66
Within 24 hours

1

A prepaid Mastercard card linked to an IBAN, providing simple payments and bank transfers in Europe.
bunq Premium SuperGreen
€16.99
up to 10 business days

1

A current account with a premium metal Mastercard. Get all the advantages of a premium card, and help the environment at the same time.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
€0
up to 10 days

1

A no monthly-fee card that lets you travel and spend globally using real exchange rates. Includes security controls and simple payments.
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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 France. 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 challenger bank 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

Pros

  • 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

Cons

  • 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 Up to €1,000 per month 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 France?

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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