Revolut Account Review: Multicurrency Personal Account

Who is Revolut best for?

The Revolut card is well-suited for frequent travelers, largely due to its myriad of international perks. All the plans allow you to spend in over 140 currencies and includes complimentary currency exchanges for over 25 fiat currencies up to certain allowances.

On top of that, Revolut’s savings rates are very high, offering up to 5.5% APY for Metal plan customers ($16.99/mo) on the High-Yield Savings account. There are also many extra travel perks with the Metal plan, offering things like lost or damaged luggage coverage, trip delay coverage, purchase and ticket protection and trip cancellation protection. The Standard plan ($0/mo) also offers up to 4% on High-Yield Savings.

Regardless of your plan choice, the rates are high across the board and you’ll get international spending perks.

But if you prefer in-person support or a real person over the phone, Revolut may not be the right fit. Revolut’s customer phone line is an automated number that only offers pre-recorded information. To talk to a real person, you’ll have to use the in-app chat service, as Revolut has no physical branches.

Revolut plans and cost

What we like about Revolut

Revolut offers three plans so you can choose which one best fits your lifestyle. Customers report that the app and online platform are user-friendly, offering the ability to spend and transfer money to other Revolut users easily, set up monthly budgets, freeze your card, get paid up to two days early and more.

Revolut features 24/7 in-app customer support via chat, the ability to pay friends through the app or use the split bill feature to divide a group spend. And regardless of your plan, you can earn passively on your savings balance.

Standard plan has worthwhile perks

The Standard plan comes with quite a few benefits, such as up to $1,000 in currency exchanges and the ability to spend in over 140 currencies.

As expected, the paid plans come with extra perks, such as a higher APY. But if you just want to try Revolut out with the Standard plan for $0 per month, there’s no cost and you can always choose to upgrade later.

High APY on savings

Revolut has two different types of savings: the High-Yield Savings, and then regular savings. For the High-Yield Savings, you can deposit up to $10,000, with a total limit of up to $250,000 total across all your Revolut savings accounts and pockets. You can only have up to one High-Yield Savings account at a time.

Rates vary depending on your plan. If you go with the Standard plan, you can earn up to 4% APY on your High-Yield Savings account balance with just a $0.01 balance required to earn interest.

While the highest APY is with the paid Metal plan, the 4% APY on High-Yield Savings with the Standard plan is still leagues above national average rates, and higher than a lot of the top savings accounts in the market. Just for comparison, the national savings average rate is just 0.40%.

Pockets for savings goals

When it comes to subaccount creation and naming your savings goals, Revolut’s Pocket feature is hard to beat. Revolut lets you create Pockets to organize your savings goals, which are subaccounts of your Savings account.

You can customize the names of your Pockets, choose images for them, set goals and then set up automatic transfers to achieve those goals. You can create up to 100 Pockets, which is more subaccounts than other accounts let you create, such as Ally Bank, which has a limit of 30 Buckets, and SoFi’s 20 Vault limit.

Revolut savings Pockets can be made for individual savings goals, like scheduled expenses, groceries or a vacation fund. You can also create Group Pockets that are shared with select family and friends, which could be used for large family get-togethers, splitting meals or planning for a vacation.

Budgeting and saving features

Alongside the savings Pockets, Revolut features some other budgeting and savings tools:

• Spare change. It’s a round-up feature that rounds up transactions to the nearest whole dollar and sends the rounded-up amount automatically to your savings account or to a dedicated Pocket.
• Create multiple virtual cards. Aside from your physical Revolut debit card, you can create up to four virtual multi-use cards (up to four cards every 30 days until you reach a maximum of 20). You can also have up to one disposable card at a time that only allows up to five transactions every 24 hours.
• Link cards to Pockets. With those virtual cards you can create, you can assign them to specific pockets. For example, you could create a virtual card that’s only used for groceries, and then deposit how much you want to budget for in your grocery Pocket.

Travel perks galore with paid plans

If you’re a frequent traveler, you can take advantage of Revolut’s many travel perks with the Metal plan, such as:

• Up to $10,000 in primary accidental medical insurance
• Up to $5,000 in trip cancellation and interruption protection
• Up to $900 in trip delay expense coverage for expenses like hotels and meals during delay
• Up to $3,000 in lost or damaged baggage protection
• Discounts on airport lounge access

Where Revolut falls short

For starters, Revolut doesn’t have any physical branches, so in-person support is out of the question. Also, its customer phone line is automated, so you won’t get to talk to a real person over the phone. However, Revolut offers 24/7 in-app chat and email support, making those the best routes for resolving any issues that may come up.

There are also a few miscellaneous fees to watch out for. For instance, if you withdraw more than $1,200 from an out-of-network ATM in a month, which is a serious possibility when traveling abroad, expect to pay a fee. In addition, there’s a $10 fee for receiving or sending domestic wire transfers — this is unusual, as most banks won’t charge you anything to receive a domestic wire.

Markups on currency exchange during weekends

When the markets are closed on weekends, you’ll get a 1% markup on your foreign currency transactions.

Revolut’s fees and access

Compare Revolut to other savings accounts

Narrow down top savings accounts by APYs, fees and features. Select Compare on up to four accounts for a side-by-side comparison.

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6 of 21 results

Finder Score	Account type	Annual Percentage Yield (APY)	FDIC or NCUA insured amount	Minimum balance to earn APY	Minimum deposit to open	Rebate
Promoted Finder score 8.6 Great Synchrony High Yield Savings	Finder score 8.6 Great	Traditional savings,Custodial account	3.65%	Up to $250,000	$0	$0		Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.2 Excellent Public High-Yield Cash Account	Finder score 9.2 Excellent	Cash management account	3.60%	Up to $250,000	$0	$0		Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent Wealthfront Cash Account	Finder score 9.4 Excellent	Cash management account	3.50%	Up to $8M FDIC insurance	$1	$1	New clients earn 4.15% APY. Boost your APY from 3.50% to 4.15% APY for 3 months when you open and fund a Cash Account. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Finder score 9.2 Excellent SoFi Checking and Savings	Finder score 9.2 Excellent	Traditional savings,Checking	Up to 3.60%	Up to $250,000	$0	$0	Earn up to 4.30% APY on savings and $50 or $300 with direct deposit. Open a new SoFi Checking and Savings account by 31 January 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Finder score 8.6 Great Alliant High-Rate Savings	Finder score 8.6 Great	Savings app	3.10%	Up to $250,000 by the NCUA	$100	$5	$5 opening deposit is paid for you. T&Cs apply.		Go to site More info Compare product selection Compare	loading
Finder score 9.6 Excellent Discover® Online Savings Account	Finder score 9.6 Excellent	Traditional savings,Custodial account	3.40%	Up to $250,000	$0	$0		Continue More info Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.

Read the full breakdown

Customer experience

Overall, Revolut has mixed customer reviews. With the Better Business Bureau (BBB), Revolut holds a dismal F rating, which is based on how well a company responds to customer complaints. But the low rating isn’t a big shocker, considering Revolut is based in the UK, and the BBB is mainly a US-based organization.

The few BBB complaints have similar grievances, citing issues with locked accounts, poor customer support, locked funds and typical banking-related problems we see. On the downside, Revolut doesn’t appear to respond to these complaints often, and if there is a response, the customer typically states the issue wasn’t resolved. This is likely what’s earning it an F rating with the BBB.

Revolut is doing much better on Trustpilot, holding a great 4.3-star rating — and a high rating like that isn’t common for banks or fintechs. Customers praise the currency transfers and speed, user-friendly app and site, 24/7 in-app chat assistance and travel perks. However, common complaints are about Revolut’s lack of an in-person phone line.

Frequently asked questions

Is Revolut safe from hackers?

Unfortunately, Revolut was the victim of a fraud scheme that resulted in around $23 million stolen from Revolut due to a flaw in its payment system in 2022. There were discrepancies between Revolut’s US and European systems, causing funds to be refunded using Revolut’s own money when some transactions were declined, as reported by The Hacker News. Criminal groups took advantage of the flaw, encouraging individuals to make expensive purchases that would be declined, then the refunded amounts could be withdrawn from ATMs. Some funds were recovered, but Revolut experienced a net loss of over $20 million.

It’s worth noting that customers didn’t lose any funds — Revolut was the one that lost out. Revolut is a fintech company, and the Revolut Account is FDIC-insured by Lead Bank, and the Savings Vault is offered by Cross River Bank, which is also FDIC-insured.

What other accounts does Revolut offer?

Parents with a personal Revolut account can access the Revolut Kids & Teens accounts and Revolut Business account, available to a variety of businesses including large companies.