Revolut
Banking and investing in one app.
Last reviewed: March 2026
out of 10
Revolut works well for investors who already use it as their main bank and want to add basic investing without switching apps. The all-in-one proposition is genuine — banking, FX, crypto, and ETFs in one place. As a standalone investment platform it's weaker than dedicated brokers, but as an extension of daily banking it makes sense.
Right for you if…
- Existing Revolut users who want to start investing without opening a new account
- Investors who want banking, FX, crypto, and ETFs in a single app
- Those with Metal/Ultra plans where commission-free trades are included
Not right if…
- Investors who want the deepest ETF selection or most exchanges
- Those on the free Revolut plan — investment features are limited without a paid subscription
- Investors who want the best possible tax reporting
Fee Breakdown
All plans
Cost depends heavily on your Revolut plan. Free plan users pay €1/trade after 3 free, which is acceptable for monthly ETF investing. Metal/Ultra users get unlimited free trades. The FX fee outside market hours applies to everyone.
6.50% of €2,400 invested/year at Revolut
Pros and Cons
What works
All-in-one: bank account, currency exchange, crypto, and investments in one app
Fractional shares and auto-invest supported
Interest on cash through savings vaults
Multi-currency account is genuinely useful for European investors
Revolut Bank EU holds a banking licence — stronger protection than investment-only platforms
What doesn't
Only 3 free trades/month on Standard plan — requires paid plan for meaningful investing
ETF and stock selection narrower than dedicated brokers
Tax reporting quality is basic — complex situations need manual work
1% FX fee outside market hours on free plan
Trading is not the core product — improvements are slower than dedicated brokers
Safety & Regulation
Revolut Bank UAB holds an EU banking licence from the Bank of Lithuania. EU bank deposits protected up to €100,000. UK users covered by FCA. Investment assets held separately under the investment entity.
Platform Experience
The app is excellent — among the best designed in European fintech. Navigation between banking and investing is seamless. Investment-specific features (screeners, analysis tools) are minimal compared to dedicated platforms.
Tax Reporting
Basic PDF statements available. Automated tax reporting is limited — more work required for investors filing in complex jurisdictions.
Available In
Revolut FAQ
Revolut Bank UAB holds an EU banking licence from the Bank of Lithuania. EU bank deposits protected up to €100,000. UK users covered by FCA. Investment assets held separately under the investment entity.
Cost depends heavily on your Revolut plan. Free plan users pay €1/trade after 3 free, which is acceptable for monthly ETF investing. Metal/Ultra users get unlimited free trades. The FX fee outside market hours applies to everyone.
Revolut is available in: NL, DE, FR, ES, BE, IT, PL, SE, AT, PT. Availability may change — check Revolut's website for the latest.
Existing Revolut users who want to start investing without opening a new account. Investors who want banking, FX, crypto, and ETFs in a single app. Those with Metal/Ultra plans where commission-free trades are included.
How It Compares
Open a Revolut account
Regulated broker. Takes 5–10 minutes to sign up.
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This review reflects Etfora's editorial assessment based on publicly available fee data. Fees may change — verify current rates on Revolut's website before opening an account. Not financial advice.