● BEST OVERALL · 2026 EU · MICA
Revolut review
The all-in-one account — banking, crypto, investing
The verdict
8.5 / 10 · BUY
Best for mainstream users who want crypto as part of a full-featured neobank — 50M customers, full EU banking licence, and the most trusted brand in the space.
◆ BUY IT IF
- Full EU and UK banking licence — €100K deposit protection
- 200+ cryptocurrencies including staking
- Best-in-class multi-currency IBAN (30+ currencies)
- 4.9 iOS App Store rating — best UX in the space
◇ SKIP IT IF
- Not a dedicated crypto platform — advanced DeFi features absent
- Crypto withdrawals blocked on Standard plan
- No crypto-backed loans
- Best features require Premium (€9.99/mo) or Metal (€16.99/mo)
§ 01 SCORE BREAKDOWN
Eight axes, weighted.
DIMENSION WEIGHT RATING SCORE
Regulatory safety
UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdiction
Card & IBAN
Multi-currency IBAN · physical + virtual cards
Yield
Up to 12.3% APY
Coin selection
200 coins supported
App UX
Transparency
Proof of Reserves, public filings, incident history
Fees & spreads
FX fee applies on Standard outside business hours; crypto spread ~1.5–2.5%
Support
§ 03 SPECIFICATIONS
Everything, in one table.
Regulation
- Regulatory status
- UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions; MiCA CASP authorisation (Revolut Bank UAB, Bank of Lithuania, 2026)
- FDIC insurance
- No
- MiCA compliant
- Yes
- Founded
- 2015
- HQ
- United Kingdom (London)
Fees
- Monthly account fee
- Free
- Trading fee
- 1.99%
- Withdrawal fee
- free on Premium+; 1 free/mo on Standard
Yield & products
- Earn yield
- up to 12.3% APY via staking (ETH, SOL, etc.)
- Max APY
- 12.3%
- Staking
- Yes
- Crypto-backed loans
- No
- Supported coins
- 200
Banking
- IBAN
- Yes
- Debit card
- Yes
- DeFi access
- No
- NFT support
- No
Regions
- Regions available
- EU, UK, US, Asia, AU, CA, JP
- Markets served
- Europe, United States, Australia, Japan, Singapore, 50+ countries
Support
- Trustpilot
- 4.7/5 · 200,000 reviews
Watch-outs
- Applies to: PlansThe best crypto and staking rates sit behind paid plans; the free tier is limited.
- Applies to: CustodyCrypto held in Revolut isn’t covered by FSCS or deposit-protection schemes — only fiat balances are.
Historical APY
§ 04 FAQ
Frequently Asked Questions
Is Revolut safe? +
Revolut has a regulatory status of: UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions; MiCA CASP authorisation (Revolut Bank UAB, Bank of Lithuania, 2026). The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Revolut? +
Revolut currently offers up to 12.3% APY. Rate as of 2026-06-12. Rates change — always check the platform for current rates before depositing.
Where is Revolut available? +
Revolut is available in: EU, UK, US, Asia, AU, CA, JP. Markets served: Europe, United States, Australia, Japan, Singapore, 50+ countries.
Does Revolut have a debit card? +
Yes. Revolut offers a debit card.
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