Flexible Accounts

Let your finances flourish

Invest in money market funds available in EUR, GBP, or USD — low-risk investments in which you can earn up to 4.62 APY.¹

Capital at risk — the value of investments can go
down as well as up. T&Cs apply.

Grow your money

Funds made interest-ing

Kickstart your money growth with Flexible Accounts. Thanks to compound interest, any returns you don’t withdraw are reinvested monthly, giving your money an extra boost.

up to
4.62
APY¹

3 currencies, 3 great rates

  • Up to

    4.49

    APY¹ on USD

  • Up to

    4.62

    APY¹ on GBP

  • Up to

    2.59

    APY¹ on EUR

¹ The Annual Percentage Yield (APY) is presented net of fees for EUR (2.59), for GBP (4.62), for USD (4.49) as of 26 March 2025 and is based on information provided by the fund manager on a single pricing basis, subject to change daily. Assume distributions are reinvested with applicable charges. Past performance is not indicative of future performance.

Flexible Accounts Explained

Flexible Accounts provide a convenient option for growing your money, with the flexibility to withdraw any time.² This low-risk investment product is a competitive choice for customers seeking returns in line with money market rates to safeguard their money against inflation. However, in unfavourable market conditions, you could still lose part or all of your principal investment.

Flexible Accounts also offer daily interest, which may vary each day. Flexible Accounts invest in money market funds, which have low volatility, high liquidity, and invest in diversified high-quality instruments.

Your benefits, from day one

  1. Interest, earned daily¹

    Receive variable interest based on your chosen currency:

    • Up to 2.59 APY on EUR
    • Up to 4.62 APY on GBP
    • Up to 4.49 APY on USD

    Each currency represents a different money market fund.

  2. Withdraw fee-free anytime²

    With no lock-in periods, you can withdraw your money as soon as you hit your goals.

  3. Highest rated (Aaa) funds

    Your cash is invested in the highest rated (Aaa) money market funds. The funds are managed and powered by global asset manager, Fidelity.

    Aaa is the highest rating on the investment safety scale.

² While transactions are generally processed instantly, there might be occasional delays due to high server loads or simultaneous requests from many customers. If your transaction doesn't process immediately, allow up to an hour before reaching out to Revolut Support for assistance.

Investment risk

Although the money market funds available through Flexible Accounts are low-risk investments, the value of these investments could go down in some situations like adverse market conditions.

Interest is not guaranteed, and varies daily depending on the performance of the fund. Currency rate fluctuations could adversely affect your overall investment.

See T&Cs

Want to learn more?

Flexible Accounts FAQs

  • New and existing customers with a personal account can now get started with Flexible Accounts in EUR, GBP and USD.

    This low-risk investment product is a competitive choice for customers seeking returns in line with money market rates to safeguard their money against inflation. However, in unfavourable market conditions, you could still lose part or all of your principal investment.

    Flexible Accounts also offer daily interest, which may vary each day. Flexible Accounts invest in money market funds, which have low volatility, high liquidity, and invest in diversified high-quality instruments.

    • Go to 'Home' on the bottom menu
    • Below your balance, tap 'Accounts'
    • Tap 'Add new'
    • Select 'Interest'
    • Choose 'Flexible Account'
    • Review Flexible Accounts T&Cs before investing in Flexible Accounts

    Verifying your details typically takes a few minutes, though it can occasionally take up to 1–2 business days.

  • Interest on your investments starts accruing on the day after your funds reach the fund manager. For example, investing $10,000 on a given business day (Day 1) at 12pm Singapore Time (SGT) into your USD Flexible Account with an APY of 3% would mean you'd have $10,001.64 on Day 3:

    Day 1: $10,000

    Day 2: $10,000 + ($10,000 X 3%/365) = $10,000.82

    Day 3: $10,000.82 + ($10,000 X 3%/365) = $10,001.64

    Interest calculations assume that orders submitted before the 1pm SGT cut-off reach the fund manager on the same day and that the APY remains without variations on Day 2 and Day 3, although it may vary daily.

  • Tax obligations on interest earned are managed as per the applicable legal requirements:

    • We'll withhold or levy taxes only if legally required
    • We don't proactively process or send your tax payments to tax authorities

    At Revolut, we don't advise on tax matters.

  • Through Flexible Accounts you can invest in low volatility net asset value (LVNAV) money market funds (MMFs), managed by FIL Investment Management (Luxembourg) S.A., Ireland branch.

    This entity is regulated by both the Commission de Surveillance du Secteur Financier (CSSF) and the Central Bank of Ireland (CBI), providing a high standard of oversight.

    These MMFs are sub-funds of Fidelity Institutional Liquidity Fund plc, an open-ended umbrella fund authorised by the Central Bank of Ireland (registration number: 235175). Both entities are part of the Fidelity group, one of the largest asset managers.

The information presented shall not be seen as a recommendation, advice, or solicitation to buy or sell any product. Customers should exercise at their own discretion and consider their personal financial circumstances before investing. No customer’s investment objectives, financial situation, and particular needs have been taken into account for this product.

Read more about our terms and conditions and fees.