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Revolut review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.

Key facts

Best for
Multi-currency spending and travel with a fee free card.
Monthly fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
0% to 2% (Source, checked September 26, 2026)
Free ATM withdrawals
£200 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
160 (Source, checked September 26, 2026)
Legal entity
Revolut Digital Assets (Europe) Ltd (Source, checked September 26, 2026)
Headquarters
Cyprus (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Virtual card, Travel
Official website
revolut.com

Credit cards

Annual fee
€0 (Source, checked September 26, 2026)
APR
13.34% to 17.99% (Source, checked September 26, 2026)
Currency conversion fee
0% to 2% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
1.5 points per EUR1 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Revolut Digital Assets (Europe) Ltd (Source, checked September 26, 2026)
Headquarters
Cyprus (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Multi-currency, Virtual card, Travel

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
  • Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
  • Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
  • Cash withdrawals included to £200 each month, above the median allowance of €0
  • Support runs through chat, email and phone, so help is available by phone as well as in the app

Cons

  • The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
  • Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
  • Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
Revolut

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Scored 9.2 / 10 by DebitCue.

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Who it suits

  • Travellers holding money in several currencies, given 160 supported currencies
  • Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
  • Points earners who will use the 1.5 points per EUR1 rate on the credit card

Who should look elsewhere

  • Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
  • Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
  • Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%

Using it day to day

The card is a debit card on the Visa network, so it spends a normal bank balance rather than a prepaid balance. Cash withdrawals come with £200 free each month, against a median of €0 across the brands compared. Support runs through chat, email and phone, covering phone and chat as well as email and a help centre, so a blocked card can be sorted the same day. Debit cards make up 74.3% of the brands compared, and Visa is the 58.6% network choice, so the card behaves like the ones people already carry.

Safety of your money

The account is listed in Lithuania under licence PSD_EMI LT_LT_BL_304940980, so the entity holding customer money is registered with the authority there. A second listing, MiCA CASP 549300ET4IUR6RCZOL84, sits with the Cyprus Securities and Exchange Commission, which covers the group's digital asset side. Both registers are the place to check before opening an account. Across the site, 273 of 670 brands hold a licence, and Revolut is one of them.

Regulation and registers

Two registers matter here. The Lithuanian licence PSD_EMI LT_LT_BL_304940980 appears in the payment services and electronic money register, which covers the debit and currency business most readers use. The Cyprus Securities and Exchange Commission listing MiCA CASP 549300ET4IUR6RCZOL84 covers the crypto asset provider side, a separate activity from the debit card. The site tracks 24 partners and 273 licensed brands, so a register search is a normal step rather than an unusual one.

Using it abroad

Currency conversion is the main cost on a trip, and Revolut's fee runs 0% to 2%, which compares with 0.1% at Wise and a field median of 1%. The card sits on the Visa network, the 58.6% choice for most brands in the set, so it works in machines abroad that take Visa. ATM access is generous too, with £200 free withdrawals a month against a top quartile of €118.23. Holding balances in other currencies before the trip keeps conversion off the terminal rate.

Where it sits among rivals

On free ATM withdrawals Revolut ranks at position 15 of 115 brands, with a £200 allowance against a field median of €0. On the monthly fee the picture is stronger: position 1 of 419 brands, with £0 charged each month while the field runs up to €99 and the top quartile sits at €0. The credit card fee of €0 is also low against an annual fee median of €0.

Who runs it

The named entity is Revolut Digital Assets (Europe) Ltd, based in Cyprus, and the business was founded in 2015. It holds the Lithuanian licence PSD_EMI LT_LT_BL_304940980 and the Cyprus Securities and Exchange Commission listing MiCA CASP 549300ET4IUR6RCZOL84. Support runs through chat, email and phone, so cardholders can reach the company by phone, in chat, by email or through the help centre. Across the site, a help centre is the 75.6% choice of brands, so this support mix is common among rivals.

How Revolut compares

Where Revolut is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, United States
Licence in United Kingdom
Financial Conduct Authority, checked September 26, 2026
Licence in Lithuania
LT_BL (PSD_EMI LT_LT_BL_304940980), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Licence in Cyprus
Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 549300ET4IUR6RCZOL84), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Revolut cost to hold each month?+

Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.

What are the fees on the Revolut credit card?+

The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.

What does Revolut charge to convert currency?+

Currency conversion fees run 0% to 2% on Revolut. Wise charges 0.1%, and the median across the site is 1% with a top quartile of 2.5%. A reader who converts money often may prefer a thinner margin.

How many currencies can I hold?+

The account supports 160 currencies, and multi-currency sits alongside a virtual card in the feature list. Multi-currency accounts make up 34.9% of the brands in the comparison, and travel features appear on 51.4%.

Is the Revolut account licensed?+

The account appears in the Lithuanian register under licence PSD_EMI LT_LT_BL_304940980, and the group is also listed with the Cyprus Securities and Exchange Commission under MiCA CASP 549300ET4IUR6RCZOL84. Licensed brands number 273 of 670 across the site.

Can I withdraw cash without paying a fee?+

Free ATM withdrawals come to £200 a month, which puts Revolut at position 15 of 115 brands. The median allowance across the site is €0, so the cash withdrawal offer is a real one.

What rewards does the Revolut credit card pay?+

The credit card pays 1.5 points per EUR1 in a points system, with points as the listed reward type. Cashback is the most common reward type across the site at 49.5%, and points appear on 19.8%, so a points user should read the redemption rules closely.

How do I get help if my card is blocked?+

Support runs through chat, email and phone, so a cardholder can reach the company by phone, in chat, by email or through the help centre. Phone support appears on 67.3% of brands in the comparison, and a help centre on 75.6%.

Is the Revolut card a debit or a credit card?+

Both types appear. The everyday account card is a debit card on the visa network, while the credit card carries a card kind of credit. Debit cards make up 74.3% of brands in the comparison, and Visa is the 58.6% network choice.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Revolut

Revolut

Multi-currency spending and travel with a fee free card.

9.2/10Visit