Revolut is one of the most downloaded financial apps in the UK and Europe. It received its UK banking licence in July 2024, making deposits FSCS-protected for the first time. In 2026 it has over 10 million UK users and offers a broader range of features than any other UK app bank — from currency exchange to crypto to travel insurance.
This page covers the key facts, limits, and questions. Use the links below for detail on each topic.
Revolut at a Glance (Standard Free Plan)
| Feature | Detail |
|---|---|
| Monthly fee | £0 (Standard plan) |
| UK bank transfers | Free — Faster Payments |
| UK ATM withdrawals | Up to £200/month free, then 2% |
| Foreign spending | Free at interbank rate (weekdays), £1,000/month |
| Foreign ATM | Up to £200/month free, then 2% |
| International transfers | 5 free/month (local), SWIFT from £5 |
| Sort code | 04-29-09 |
| Interest on balance | Available via Revolut Savings Vaults (variable) |
| FSCS protection | ✅ Yes — up to £85,000 (since July 2024) |
| Cash deposit | ❌ Not supported |
| Customer service | In-app chat; phone on Premium+ plans |
Revolut Account Plans
| Plan | Monthly fee | Key upgrade |
|---|---|---|
| Standard | £0 | Basic account, £1,000/month fee-free FX |
| Plus | £3.99 | More FX, priority chat support, insurance extras |
| Premium | £9.99 | Unlimited FX (weekdays), travel insurance, unlimited ATM (fair use) |
| Metal | £15.99 | Cashback, higher ATM, metal card |
| Ultra | £45.00 | Lounge access, top-tier insurance, concierge |
Revolut’s Strongest Features
Currency exchange at the interbank rate. On weekdays, Revolut converts currency at the real mid-market rate with no margin — the rate you see on Google. Banks and most competitors add a markup of 0.5–3%. For regular travellers or anyone making international transfers, this saves meaningful money.
International transfers. Revolut supports sending money to 160+ countries. The free plan includes 5 local transfers/month free; SWIFT transfers are charged. Wise is still often cheaper for large SWIFT transfers, but Revolut is significantly cheaper than UK banks.
Crypto and commodities trading. Available in-app without a separate brokerage account. Standard plan has limited crypto access; Premium and above get full access.
Disposable virtual cards. Generate a new card number for online purchases — the number is single-use, reducing fraud risk. Available on Plus and above.
Revolut’s Limitations
Customer service reputation. Revolut’s support is in-app chat only on Standard and Plus plans. Phone support is only available on Premium and above. Revolut has historically received poor customer service reviews — account freezes with limited explanation, slow fraud resolution. This has improved since the banking licence, but it remains a concern vs Starling (24/7 phone) or even Monzo.
Weekend FX surcharge. Currency exchange at weekends incurs a 0.5% fee on all plans. This catches travellers who exchange money on Saturday or Sunday.
No cash deposits. Revolut does not support cash deposits in the UK. If you receive cash, you need a different account.
Complexity. Five tiers, dozens of features, different limits per plan — Revolut rewards users who understand it, but can confuse those who don’t.
Revolut vs Monzo vs Starling — Quick Comparison
| Feature | Revolut (Standard) | Monzo (Free) | Starling |
|---|---|---|---|
| Monthly fee | £0 | £0 | £0 |
| FX rate | Interbank (best) | Mastercard | Mastercard |
| UK ATM | £200/month free then 2% | 1 free/month then 3% | Unlimited free |
| Foreign ATM | £200/month free then 2% | £200/month free then 3% | Free (fair use) |
| International transfers | ✅ Yes | ❌ No | ❌ No (via Wise) |
| Cash deposit | ❌ No | ✅ Yes (£1 fee) | ✅ Yes (free) |
| FSCS | ✅ Yes (since 2024) | ✅ Yes | ✅ Yes |
| Phone support | ❌ Premium+ only | ❌ Emergency only | ✅ 24/7 |
| Gambling block | ❌ No | ✅ Yes | ❌ No |
Revolut Articles
- Revolut UK Review 2026
- Is Revolut FSCS Protected?
- Revolut ATM Limit UK
- Revolut Transfer Limit UK
- Revolut Fees UK
- Revolut Sort Code
- Revolut Savings Account UK 2026
- Revolut Customer Service UK 2026
- Revolut vs Wise