Revolut - Digital Banking with Crypto
All-in-one financial app with crypto trading, international transfers, budgeting tools, and premium banking features. Join millions of users worldwide.
Quick fact: Revolut serves over 30 million customers across 35+ countries!
Introduction
Money management has changed. Digital banking is now the norm. Revolut leads this change in Europe. They make banking simple and modern.
Revolut gives you everything in one app. You get banking, crypto trading, and money transfers. No need for multiple apps or old banks.
This guide shows you how to use Revolut in 2025 by covering signup bonuses, plans, and features while teaching you about crypto trading and international banking.
Want to replace your old bank or access crypto trading features while looking for cheap international transfers? This guide helps you get the most from Revolut.
Exclusive Signup Bonuses
New User Rewards
- Referral Bonus: Get rewards when you sign up through our link
- First Transaction: Bonus for completing your first transaction
- Premium Trial: Free trial of Revolut Premium features
- Cashback Offers: Special cashback rates for new users
Bonus Requirements
- Sign up using our referral link
- Complete account verification
- Make qualifying transactions or deposits
- Meet minimum spending requirements
Why Choose Revolut?
All-in-One Money App
Revolut gives you everything in one app, including banking, crypto, and money transfers, creating a unified financial ecosystem that simplifies your daily money management and eliminates the need for multiple banking apps and services.
- Digital Banking: Full bank services without old banks, including current accounts, savings accounts, and payment processing. Get instant account opening, no monthly fees for basic accounts, and modern banking features that traditional banks struggle to match.
- Crypto Trading: Buy and sell 80+ coins directly within the app with competitive spreads and instant execution. Access major cryptocurrencies like Bitcoin and Ethereum, as well as emerging altcoins and DeFi tokens. Real-time price-tracking and portfolio-management tools help you monitor your investments.
- Money Transfers: Send money worldwide for less with transparent fees and competitive exchange rates. Transfer funds to 160+ countries using SWIFT, SEPA, and local payment networks. Most transfers are completed within minutes, making international payments faster than traditional bank transfers.
- Multi-Currency: Hold 28+ currencies simultaneously in separate wallets within your account. Exchange between currencies at interbank rates with no hidden markups. Lock in favourable exchange rates before travelling or making international purchases.
- Budget Tools: Track spending and save money automatically with intelligent categorisation and spending insights. Set monthly budgets for different categories and receive alerts when limits are approaching. Round-up features automatically save spare change from every purchase.
- Bill Payments: Pay bills directly from the app with scheduled payments and automatic reminders. Set up recurring payments for subscriptions and utilities. Track all your regular expenses in one place for better financial planning.
- Savings Vaults: Create multiple savings goals with dedicated vaults that earn competitive interest rates. Automate savings with percentage-based rules or fixed amounts. Track progress towards financial goals with visual indicators and milestone celebrations.
- Instant Notifications: Receive real-time alerts for every transaction, helping you monitor spending and detect unauthorised activity immediately. Customise notification preferences for different transaction types and amounts.
Modern Banking Experience
Revolut represents the future of banking by combining traditional financial services with modern technology and user-centric design. The app provides instant access to your money 24/7 without the limitations of branch banking hours or geographical restrictions that plague traditional banks.
Account management happens entirely through your smartphone, eliminating paperwork and branch visits. Open new accounts in minutes, order replacement cards instantly, and manage all your finances from anywhere in the world. This convenience is particularly valuable for digital nomads, frequent travellers, and anyone who values flexibility in their banking relationships.
The platform continuously evolves with regular updates that add new features and improve existing functionality. User feedback directly influences product development, ensuring the app meets real customer needs rather than following outdated banking conventions. This agile approach to financial services keeps Revolut at the forefront of digital banking innovation.
Integration with other financial services creates a comprehensive money management ecosystem. Connect your Revolut account to budgeting apps, investment platforms, and accounting software. Export transaction data for tax purposes or financial planning. The open approach to data sharing gives you control over your financial information whilst maintaining security.
User tip: Start with the free plan first. Test everything before you pay for premium features. Many users find the Standard account sufficient for their needs, whilst others upgrade after experiencing the platform's capabilities and identifying which premium features would benefit their specific financial situation.
Crypto Made Simple
Revolut makes crypto easy for beginners by removing the complexity and technical barriers that often intimidate newcomers to cryptocurrency investing. No complex wallets needed, no confusing blockchain addresses, and no worries about losing private keys or seed phrases.
- 80+ Coins: Bitcoin, Ethereum, and top altcoins available for instant trading. Access major cryptocurrencies, emerging tokens, and DeFi projects. The selection includes established coins with proven track records and newer projects with growth potential.
- Good Prices: Low-cost crypto trading with competitive spreads that beat many traditional exchanges. Premium and Metal subscribers enjoy even lower fees, making frequent trading more economical. Transparent pricing shows exactly what you pay for each transaction.
- Instant Trades: Buy and sell crypto right now with immediate execution at current market prices. No waiting for order matching or dealing with complex order books. Simple tap-to-trade interface makes cryptocurrency accessible to everyone.
- Price Alerts: Get alerts when prices move to your target levels. Set multiple alerts for different cryptocurrencies and price points. Never miss important market movements or buying opportunities.
- Auto Buys: Buy crypto every week or month automatically through recurring purchase schedules. Implement dollar-cost averaging strategies without manual intervention. Build your cryptocurrency portfolio gradually.
- Portfolio Tracking: Monitor your cryptocurrency holdings with real-time valuation in your preferred currency. Track gains and losses across all your crypto investments. Visual charts show portfolio performance over different time periods.
- Market Data: Access comprehensive cryptocurrency market data, including price charts, trading volumes, and market capitalisation. Historical price data helps you understand long-term trends and make informed investment decisions.
- Educational Resources: Learn about cryptocurrency fundamentals through in-app guides and articles. Understand blockchain technology, different coin types, and investment strategies. Build knowledge before committing significant capital.
Cryptocurrency Investment Approach
Revolut's approach to cryptocurrency trading prioritises simplicity and accessibility over advanced features. This makes it ideal for beginners who want exposure to crypto markets without the complexity of dedicated cryptocurrency exchanges. The custodial model means Revolut handles all the technical aspects of cryptocurrency storage and security.
However, this simplicity comes with trade-offs. You cannot withdraw cryptocurrency to external wallets, meaning you don't truly own the private keys to your crypto holdings. For serious cryptocurrency investors who value self-custody and want to participate in DeFi protocols, staking, or other advanced features, dedicated cryptocurrency platforms like Binance or Kraken offer more flexibility.
The platform works best for users who want simple cryptocurrency exposure as part of a diversified investment portfolio. If you're allocating 5-10% of your portfolio to cryptocurrency and prefer the convenience of managing everything in one app, Revolut's crypto features provide an excellent entry point to digital assets.
For larger cryptocurrency holdings or long-term storage, consider using Revolut for trading and price exposure whilst maintaining self-custody solutions like hardware wallets for significant amounts. This hybrid approach balances convenience with security and gives you the best of both worlds.
Important note: You can't move crypto out of Revolut. It's for trading only within the app. This custodial approach means Revolut holds your cryptocurrency on your behalf, similar to how traditional brokers hold stocks. Whilst this simplifies the user experience, it means you're trusting Revolut with custody of your digital assets.
Banking Made Easy
Get all the banking you need. No branch visits required.
- Debit Card: Pay anywhere in the world
- ATM Cash: Free cash withdrawals each month
- Get Paid: Receive your salary here
- Pay Bills: Pay bills and set up auto-pay
- Save Money: Auto-save with round-ups
Revolut Plans
Standard (Free)
This plan is perfect for trying Revolut without any monthly cost.
- Monthly Cost: Free
- Free Cash: £200/month from ATMs
- Currency Swap: £1,000/month at best rates
- Crypto Fees: 1.5% extra on weekends
- Money Transfers: Some free transfers
Plus (£2.99/month)
More features for regular users.
- Free Cash: £400/month from ATMs
- Currency Swap: £5,000/month at best rates
- Crypto Fees: No weekend fees
- Cashback: 0.1% on card buys
- Travel Cover: Basic insurance included
Premium (£6.99/month)
Best value for active users.
- Free Cash: £600/month from ATMs
- Currency Swap: Unlimited at best rates
- Crypto Fees: No fees on crypto trades
- Cashback: 0.25% on card buys
- Travel Cover: Full insurance
- Airport Lounge: 3 free visits per year
Metal (£12.99/month)
Premium features for high spenders.
- Free Cash: £800/month from ATMs
- Currency Swap: Unlimited at best rates
- Crypto Fees: No fees plus extra features
- Cashback: 1% on card buys
- Metal Card: Heavy 18g metal card
- Airport Lounge: Unlimited visits
- Concierge: 24/7 help service
Money tip: Metal plan pays for itself if you spend £1,300+ monthly. 1% cashback = £13+!
Crypto Trading
Available Coins
Revolut supports 80+ cryptocurrencies. Here are the main ones:
- Big Coins: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC)
- Popular Alts: Cardano (ADA), Solana (SOL), Polygon (MATIC)
- Stablecoins: USDC, USDT, DAI
- DeFi Tokens: Uniswap (UNI), Chainlink (LINK), Aave (AAVE)
- New Listings: Regular addition of trending cryptocurrencies
Trading Features
Simple crypto trading for everyone.
- One-Tap Trading: Buy and sell crypto fast
- Auto Buys: Set up weekly or monthly buys
- Price Alerts: Get alerts when prices move
- Track Portfolio: See your crypto gains and losses
- Live Prices: Real-time prices and charts
Trading Costs
- Standard: 2.5% spread + 1.5% weekend fee
- Plus: 2.5% spread, no weekend fees
- Premium: 1.5% spread, no extra fees
- Metal: 1.25% spread + bonus features
Smart Investment Tools
Revolut helps you invest smarter with comprehensive tools and features designed for both beginners and experienced traders. You get detailed charts and price data for all coins, with technical indicators and historical performance metrics that help you make informed investment decisions based on market trends and analysis.
Auto-buy features help reduce risk through dollar-cost averaging strategies. You can buy crypto weekly or monthly automatically, spreading out your risk over time and helping you avoid the emotional pitfalls of trying to time the market perfectly. This systematic approach has proven effective for long-term wealth building and reduces the impact of short-term market volatility on your portfolio.
Track your profits and losses easily with real-time portfolio valuation and performance metrics. Export data for taxes with detailed transaction histories and capital gains calculations. Connect with other portfolio apps through API integrations for comprehensive financial management across multiple platforms and services.
Learn about crypto with built-in guides and educational resources that explain blockchain technology, cryptocurrency fundamentals, and investment strategies. Get market updates and expert tips delivered directly to your app, helping you stay informed about new opportunities, regulatory changes, and emerging trends in the cryptocurrency space.
Advanced charting tools provide technical analysis capabilities with multiple timeframes, candlestick patterns, and trend indicators. Set up price alerts for specific cryptocurrencies to receive notifications when prices reach your target levels. Create a watchlist to monitor your favourite coins and track market movements efficiently.
Portfolio diversification tools help you balance your cryptocurrency holdings across different asset classes and risk profiles. Revolut's analytics show your portfolio allocation, helping you identify overexposure to specific coins and suggesting rebalancing opportunities to maintain your desired risk level.
Learning tip: Use Revolut's guides to learn before you invest, because understanding the market gives you a significant advantage and helps you avoid common mistakes that new investors make when entering the cryptocurrency space.
Global Banking
Multiple Currencies
Hold 28+ currencies in one account. Get real exchange rates with no markup.
- 28+ Currencies: Hold many currencies together
- Real Rates: Bank rates with no extra cost
- Instant Swap: Change currencies right away
- Rate Alerts: Get alerts for good rates
Send Money Worldwide
Send money to 160+ countries fast and cheap.
- Global Reach: Send to 160+ countries
- Low Cost: Good transfer fees
- Fast Speed: Most transfers done in minutes
- Clear Pricing: No hidden fees
Travel Features
This service is perfect for travellers since there are no extra fees when you spend abroad, making international travel more affordable and convenient.
- No Foreign Fees: Spend abroad free on weekdays with the interbank exchange rate and no hidden markups. Weekend spending incurs a small 1% fee due to market volatility, but it is still significantly cheaper than traditional banks, which charge 2-3% on all foreign transactions regardless of the day.
- ATM Access: Withdraw cash globally from millions of ATMs worldwide with generous monthly allowances that vary by subscription tier. Standard accounts get £200 free per month, whilst Premium and Metal accounts offer £600- £800 per month. Additional withdrawals incur a 2% fee, which is still competitive compared to traditional bank charges.
- Travel Insurance: Complete coverage for trips, purchases, and medical emergencies when travelling internationally. Premium and Metal tiers include comprehensive travel insurance covering flight delays, lost luggage, medical emergencies, and trip cancellations. Coverage extends to family members travelling with you, providing peace of mind during international trips.
- Airport Lounge: Access to premium lounges worldwide through LoungeKey partnership. Get comfortable seating, free refreshments, Wi-Fi, and business facilities whilst waiting for flights. Premium members receive 3 free lounge visits annually, whilst Metal members enjoy unlimited access to over 1,000 airport lounges globally.
- Emergency Support: 24/7 customer support for travel-related issues and card replacements. If your card is lost or stolen abroad, Revolut can instantly freeze it in the app and arrange emergency card delivery to your location. Priority support for Premium and Metal members ensures quick resolution of urgent travel-related problems.
- Spending Analytics: Detailed breakdown of travel expenses with automatic categorisation by merchant type and location. Get budget tracking that shows exactly how much you're spending in each country and category. Export detailed expense reports for business travel reimbursement or personal record-keeping.
- Multi-Currency Wallets: Hold multiple currencies simultaneously and switch between them instantly. Pre-load currencies before travelling to lock in favourable exchange rates. Avoid dynamic currency conversion fees by paying in local currency everywhere you go.
- Travel Notifications: Automatic spending notifications in your home currency help you track expenses in real-time. Set daily spending limits to stay within budget whilst travelling. Receive instant alerts for all transactions to detect unauthorised usage immediately.
International Travel Benefits
Revolut transforms international travel by eliminating the traditional hassles of currency exchange and foreign transaction fees. Before your trip, you can exchange money at interbank rates and hold multiple currencies in your account, ready to spend when you arrive at your destination.
The app automatically selects the appropriate currency for each transaction, ensuring you always pay in local currency and avoid expensive dynamic currency conversion fees that merchants often try to apply. This automatic currency selection saves you money on every purchase whilst travelling.
For frequent travellers, the Metal subscription pays for itself through cashback rewards and unlimited airport lounge access. If you travel internationally more than twice per year, the premium features and travel insurance coverage offer excellent value compared to purchasing them separately.
Business travellers benefit from detailed expense tracking and reporting features that simplify reimbursement processes. Export transaction data directly to accounting software or generate PDF expense claim reports. The app automatically categorises spending, making it easy to separate business and personal expenses during trips.
How to Start
Step 1: Get the App
Download Revolut from your app store. Use our link for bonuses.
- Download from App Store or Google Play
- Click our link for bonuses
- Enter your phone and email
- Make a secure PIN
Step 2: Prove Who You Are
Take photos of your ID and face. This keeps everyone safe.
- Photo of your ID
- Quick selfie
- Your address details
- Wait for approval (usually instant)
Step 3: Add Money
Put money in your account to start using Revolut.
- Link your bank account
- Bank transfer or card payment
- Get transfers from others
- Cash deposits at some locations
Step 4: Get Your Card
Order a physical card to spend your money.
- Pick your card design
- Give delivery address
- Pay any fees
- Get card in 5-7 days
Step 5: Start Using
Try all the features. Start with crypto and budgets.
- Buy your first crypto
- Set up budgets and savings
- Turn on alerts and security
- Try premium features free
Safety & Protection
Keep Your Account Safe
Revolut uses many ways to keep your money safe.
- PIN Lock: Lock app with PIN or fingerprint
- Two-Step Check: Extra security layer
- Device Control: Control which devices can access
- Location-Based Security: Automatic security based on location
Card Security
- Instant Freeze: Freeze/unfreeze your card instantly
- Contactless Limits: Set custom contactless payment limits
- ATM Controls: Enable/disable ATM withdrawals
- Geographic Controls: Restrict card usage by location
Government Protection
Revolut is regulated, and your money is protected.
- UK Regulated: Approved by UK Financial Authority
- Money Protected: Up to £85,000 deposit protection
- Separate Funds: Your money kept separate
- Regular Checks: Independent security reviews
Good & Bad Points
Good Things
- Everything in One App: Banking, crypto, and travel
- Easy to Use: Simple interface
- Good Rates: Fair exchange rates and low fees
- Works Worldwide: Use in 35+ countries
- Always Improving: New features added often
- No Hidden Costs: Clear pricing
- Premium Benefits: Good value for paid plans
- Help Available: 24/7 chat support
Things to Know
- Limited Crypto: No staking or DeFi access
- Custodial Crypto: You don't control private keys
- Geographic Restrictions: Not available in all countries
- Premium Costs: Monthly fees for best features
- Customer Service: Can be slow during peak times
- Account Freezes: Strict compliance can cause delays
Alternative Digital Banks
For Crypto Focus
- Crypto.com - Dedicated crypto platform with Visa card
- Nexo - Crypto lending with debit card
- Wirex - Multi-currency crypto card
For International Banking
- Wise - Specialist in international transfers
- N26: European digital bank
- Monzo: UK-based digital banking
For Traditional Banking
- Starling Bank: UK digital bank with full license
- Chime: US digital banking platform
- Ally Bank: Online bank with high-yield savings
User Experience and Mobile App Features
Intuitive Mobile Interface
Revolut's mobile app is designed for simplicity with a clean and modern interface where navigation is straightforward, all features are easy to find, and users can complete tasks quickly.
The dashboard shows your balance at a glance. Recent transactions appear immediately. Quick actions are accessible from the home screen. You can send money in seconds. Currency exchange takes just a few taps.
The app works smoothly on both iOS and Android with regular updates that bring new features, while performance is fast and reliable with rare crashes, creating a polished user experience.
Account Management Tools
Managing your Revolut account is simple. You can instantly freeze your card if it's lost. Spending limits can be set easily. Transaction notifications arrive in real-time. Budget tracking helps control expenses.
The app lets you create virtual cards for online shopping. Disposable card numbers protect your main account. You can generate new cards instantly. This adds an extra layer of security to online purchases.
Savings vaults help you save money automatically. Round-up features save spare change. Goal-based savings make planning easier. Interest rates are competitive. Your money grows while staying accessible.
Transaction History and Analytics
Revolut provides a detailed transaction history. You can easily search and filter transactions. Categories help track spending patterns. Monthly reports show where money goes. Export options let you download statements.
Spending analytics break down your expenses. Charts visualise your financial habits. Category-based insights reveal spending trends. Budget alerts warn when limits approach. This helps improve financial awareness.
Receipt scanning organises your purchases. You can attach notes to transactions. Tags help categorise expenses. Split payment tracking shows shared costs. Everything stays organised automatically.
Customer Support Experience
Revolut offers 24/7 customer support through the app. Chat support responds quickly to questions. The help centre has detailed guides. Common issues have instant solutions. Premium users get priority support.
The support team handles most issues efficiently. Response times are generally good. Complex problems may take longer. Phone support is available for urgent matters. Community forums provide peer assistance.
Self-service options solve many problems instantly. The FAQ section is comprehensive. Video tutorials explain features clearly. In-app guides walk through processes. Most users find answers without contacting support.
Revolut Business Solutions
Business Account Benefits
Revolut offers dedicated business accounts. These accounts include multi-currency support. Team members can have individual cards. Expense management becomes simpler. Accounting integration saves time.
Business accounts support international payments. Currency exchange rates are competitive. Payment processing is fast and reliable. Invoicing tools help manage receivables. Cash flow tracking provides financial insights.
Corporate cards come with spending controls. Managers can set individual limits. Real-time expense tracking prevents overspending. Receipt capture simplifies bookkeeping. Everything syncs with accounting software.
Merchant Services
Revolut provides merchant payment solutions. Businesses can accept card payments easily. Point-of-sale systems integrate smoothly. Online payment processing is straightforward. Transaction fees are competitive.
Payment links let you request money easily, while QR code payments work for in-person sales, recurring billing handles subscriptions automatically, split payments accommodate group purchases, and refunds process quickly through the system.
Settlement times are fast for merchants. Funds arrive in your account quickly. Multiple currency support helps international sales. Fraud protection safeguards transactions. Chargeback management is handled efficiently.
Team Collaboration Tools
Business accounts support multiple team members. Role-based permissions control access levels. Managers can approve large transactions. Spending limits prevent unauthorised purchases. Activity logs track all actions.
Expense reports generate automatically. Team spending appears in real-time. Budget allocation works across departments. Cost centres help track project expenses. Financial reporting becomes easier.
Integration with business tools streamlines workflows. Accounting software syncs automatically. Payroll systems connect seamlessly. Tax reporting gets simplified. Everything works together efficiently.
Investment and Wealth Management
Stock Trading Platform
Revolut offers commission-free stock trading. You can buy fractional shares easily. Access to the US and European markets. Real-time price updates keep you informed. Trading happens directly in the app.
The platform supports thousands of stocks. ETFs are available for diversification. Market data helps make informed decisions. Price alerts notify you of changes. Limit orders execute at target prices.
Portfolio tracking shows your performance. Gains and losses appear clearly. Dividend payments arrive automatically. Tax documents are generated for reporting. Everything stays organised in one place.
Commodities and Precious Metals
Revolut lets you invest in gold and silver. Fractional ownership makes it affordable. Prices update in real-time. Storage is handled securely. You can sell anytime easily.
Commodity investments diversify your portfolio. Protection against inflation is possible. Physical delivery isn't required. Digital ownership is convenient. Fees are transparent and competitive.
Precious metals act as safe havens. Market volatility protection is valuable. Long-term value preservation matters. Portfolio balance improves with commodities. Risk management becomes easier.
Automated Investing
Revolut offers automated investment options where robo-advisor services handle portfolio management based on your risk tolerance, with automatic rebalancing providing professional management without high fees.
Recurring investments build wealth gradually. Dollar-cost averaging reduces risk. Automatic deposits make saving easy. Compound growth accelerates returns. Long-term investing becomes effortless.
Goal-based investing helps plan for the future. Retirement accounts are available. Education savings grow tax-efficiently. Emergency funds stay accessible. Financial goals become achievable.
Conclusion
Revolut is a great digital banking solution. It combines traditional banking with crypto trading. The mobile app is easy to use. Exchange rates are competitive.
The platform has some limits. Crypto custody is custodial only. Not available in all countries. But continuous innovation makes it trusted by millions.
Digital banking keeps evolving in 2025. Revolut stays competitive with new features and fair pricing. It's a top choice for comprehensive financial services in one app.
Sources & References
Frequently Asked Questions
- Is Revolut a real bank?
- Revolut is a financial technology company with banking licenses in several countries. In the UK, they're authorised by the FCA and offer deposit protection up to £85,000. They provide most traditional banking services through their mobile app.
- Can I use Revolut for crypto trading?
- Yes, Revolut supports trading in 80+ cryptocurrencies directly in the app. However, it's custodial trading — you don't control the private keys. For self-custody, you'd need to transfer to an external wallet.
- Are there any monthly fees?
- The Standard account is free with basic features. Premium tiers (Plus, Premium, and Metal) have monthly fees but offer additional benefits, including higher ATM limits, better exchange rates, and travel insurance.
- How do international transfers work?
- Revolut offers international transfers to 160+ countries with competitive rates and low fees. Most transfers are completed within minutes using their network; however, some may take longer depending on the destination.
- Is my money safe with Revolut?
- Yes, Revolut is regulated by financial authorities in countries where it operates. In the UK, deposits are protected up to £85,000 by the FSCS. Customer funds are kept separate from company funds.
- Can I get a physical debit card?
- Yes, Revolut offers physical debit cards for all account tiers. Standard cards are free, while premium tiers offer metal cards with enhanced benefits. Cards work globally with contactless payments and ATM access.
Affiliate Disclosure
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