Revolut: 6 features that set us apart

If you want to see our main benefits at a glance, here's a quick overview on how we make your life easier:

T&Cs apply. Fees and Paid Plan Terms apply.

Read on for a deeper dive into our benefits and features.

¹When you invest, your capital is at risk. Investment services are provided by Revolut Trading Ltd, which is authorised and regulated by the FCA (FRN: 933846).

1. Multi-currency accounts and real-time currency exchange

A multi-currency account is a digital account that lets you hold, swap, and spend various currencies in one place. We let you hold 38 different currencies and spend in over 150 currencies around the world, so you don't need to open a different account for every currency you use.

Converting money with us means you get to use the Revolut exchange rate. We add a small fee on weekends when the markets are closed, or if you go over your plan limits. Compare our plans.

Fair usage limits and weekend fees may apply, depending on your plan. T&Cs apply.

2. Low-cost global spending and instant transfers between friends

Revolut customers can send money to each other instantly and for free, no matter where either person is in the world. This makes us a faster alternative to the 3–5 day processing times common with standard international SWIFT transfers.

You can send money to 160+ countries with us. We use local networks whenever we can, so your money gets there fast. Depending on your plan, you have a set amount you can convert each month without any extra fees.

Exchange fees, global transfer fees, fair usage limits, and T&Cs apply to our rates. Weekend fees may apply. Fees are plan-dependent.

3. An easy-to-use app with budgeting and spending tools

Manage your money in one simple app. Use our tools to automatically sort your spending, so you can see exactly what you've spent on food, travel, or fun each month. We've also got savings accounts to help you easily put money away for the future.

• Categories: see your spending by type or shop straight away
• Savings accounts: save for a holiday or a rainy day
• Budgeting rules: set a limit for different spending categories each month
• Money charts: see where your money goes at a glance

T&Cs apply.

4. Access your investment portfolio in the same app

Build your wealth while managing your everyday finances in one app, with access to over 4,000 global stocks and ETFs.

With us, you can buy fractional shares, which means you can own a piece of your favourite brands for as little as £1 (other fees may apply). You don’t need to buy a whole share to get started.

Remember that the value of your investments can go up as well as down, and you may get back less than you invested. Fractional shares may not benefit from voting rights, may not always be transferable, and are subject to volatility and liquidity risks. Read more in our fractional shares FAQ.

18+ only, T&Cs apply.

5. Different plans with clear prices

Choose a plan that fits your life from our clear, easy-to-understand options:

• Standard: our basic plan with multi-currency tools, competitive exchange rates, and no-fee international transfers within your limits.
• Plus: get higher limits and extra protection for everyday spending.
• Premium: includes even higher limits and global travel insurance. T&Cs apply.
• Metal: extra benefits and a metal card.
• Ultra: our elite plan with the highest allowances and benefits like unlimited airport lounge access. T&Cs apply.

Fair usage limits and weekend fees may apply.

T&Cs apply. Third parties may charge ATM fees.

Plan Partnerships T&Cs, fees, Paid Plan Terms, and T&Cs apply.

6. RevPoints

Earn RevPoints on your everyday debit card spending. Transfer these points to Airline Miles with certain airlines, or redeem them for discounts on hotels, gift cards, and more.

18+ only. RevPoints T&Cs, Stays T&Cs, and Gift Card Terms apply. RevPoints earned depend on your plan.

How to get started with us

You can open your account in just a few steps, all from your phone. Here's how it works:

1. Download the app: get the Revolut app from the App Store or Google Play, or enter your mobile number to receive a link to the app.
2. Verify your mobile number: you’ll receive a 6-digit code by SMS to verify the number belongs to you.
3. Secure your account: set a secure passcode.
4. Fill in your details: enter your name, date of birth, address, email, and country of residence. You’ll also be able to set up your Revtag to send and receive payments easily.
5. Verify your identity: take a clear photo of your ID (passport or driving licence), and a quick selfie in-app to confirm it’s you. Once verified, your account is live and ready to use.

Opening a Revolut investment account requires additional steps. You can see the details in our Help Centre.

To find out more about which Revolut entity you receive services from, please check our corresponding FAQ page.

Revolut Ltd is registered in England and Wales (No. 08804411), is authorised by the Financial Conduct Authority to offer e-money and payment services under the Electronic Money Regulations 2011 (FRN: 900562), and is registered with the Financial Conduct Authority to offer cryptocurrency services under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

Revolut Bank UK Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 981170).

Revolut Trading Ltd (No. 11567840) is a firm authorised and regulated by the Financial Conduct Authority (FRN: 933846). The registered address of Revolut Trading Ltd is at 30 South Colonnade, Canary Wharf, London, England, E14 5HX.

Revolut Trading Ltd provides a non-advised reception and transmission of orders investment service. Revolut Trading Ltd does not provide investment advice or personal recommendations. You, as an individual investor, must make your own decisions, seeking professional independent advice if you are unsure as to the suitability and/or appropriateness of any investment for your individual circumstances or needs. The value of investments can go up as well as down and you may receive less than your original investment or lose the value of your entire initial investment. Past performance and forecasts are not reliable indicators of future results. Currency rate fluctuations can adversely impact the overall returns on your original investment.