Revolut is a digital bank that wants to revolutionise your finances with its handy features and perks. It’s always encouraged its customers to stash money away through its Vaults system (now called Pockets), but you can also earn interest through dedicated savings accounts.
The amount of interest you’ll earn depends on what kind of account you have, with the top rates only accessible to those who pay for a Metal or Ultra subscription.
Note that Revolut also offers some business savings accounts.
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What savings accounts does Revolut offer?
Revolut’s personal savings accounts are available to all its customers, but the interest rate is determined by what level of account you have. For example, if you’ve got its free account, you’ll get Revolut’s lowest rate. But if you have one of its Metal accounts, which costs £14.99 per month, you’ll get a higher rate. Rates are tiered based on what plan you are on and your monthly fee.
Upgrading your account gets you access to various benefits, with each tier offering more and improved perks. However, if you’re thinking of upgrading to get a better savings rate, make sure to do your maths and take into account how much you’ll spend on fees for the year versus what you’ll earn in interest.
At the time of writing, Revolut only offers an instant access account and doesn’t offer other savings accounts like notice accounts or fixed rate accounts.
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To get access to a savings account, you need to download the Revolut app and then open a personal current account.
To sign up, you’ll need to share your mobile number with the app and then enter a code that’s texted to you. You’ll be asked for a series of information, including your official name, country of residence, date of birth and home address. Lastly, you’ll be asked to verify your ID by taking a photo and then to select a passcode.
You can choose to have a physical card, which is customisable if you upgrade your account. Alternatively, you can have virtual cards, which Revolut says are more secure.
Once that’s done, you can set up an instant access savings account. You can add money in several ways, either through regular deposits, by rounding up your spending, or with one-off transfers.
Because the account is instant access, you can withdraw money free of charge at any time.
What does the Revolut app look like?
Is it safe?
Revolut became a bank in the UK in March 2026. This means that as well as being regulated by the FCA, funds held in the bank are FSCS (Financial Services Compensation Scheme) protected, which protects deposits up to a maximum of £120,000 in the event a bank goes bust.
Our expert says: Signing up for a Revolut savings account?
"Signing up for Revolut is quick and easy. When I opened my account, it took less than 10 minutes to get started. From there, setting up your savings account is equally straightforward. The photo identification process took minutes."
You have to pay to access the most competitive rates
Revolut and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. Revolut was named our 2025 Banking Innovation Provider of the Year Award winner!
Our verdict: Are Revolut savings any good?
Revolut’s instant access savings accounts pay competitive interest rates, although you’ll need to pay for your current account if you want to access the best rates. It’s easy to set up an account in the app, and you can access your funds at any time, with no penalty.
The downside is that Revolut doesn’t currently offer any other types of savings accounts, such as fixed rate savings or ISAs. If you want to set aside funds for different purposes, there’s the option to use Revolut’s Pockets, but these don’t pay interest.
Frequently asked questions
Yes, Revolut is now a fully licenced UK bank which means that money held in its accounts are FSCS protected.
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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.
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