How to open a Revolut account in the United States
Financial basics · March 23, 2026Lydia Makin
Opening an account with Revolut only takes a few minutes and can be done entirely from your phone. Here’s everything you need to know to get started with Revolut in the United States.
Want to see what we have to offer first? Discover our Everyday account.
What is Revolut?
We're a fintech app that helps you manage your money in one place. Whether you want to spend, send, or save, we offer tools designed to give you more control over your finances. In the US, our services include everything from everyday spending accounts to high-yield savings. Our goal is to simplify complex financial tasks so you can focus on what matters to you.
Revolut account requirements in the US
Opening a Revolut account is fast and straightforward.¹ Before you begin, make sure you meet the following requirements:
- Be 18 or older
- Be a legal resident of the United States
- Have a valid US mobile phone number
- Have a valid email address
- Have a government-issued ID (such as a passport, driver’s license, or state ID)
- Have a Social Security number (SSN)
You’ll also need to take a selfie during signup to verify your identity and help keep your account secure.
How to sign up for Revolut in the US
You can open your Revolut account in just a few steps — all from your phone.
- Download the app: Get the Revolut app from the App Store or Google Play.
- Verify your phone number: We’ll send you a verification code by SMS to confirm your number.
- Secure your account: Set a 6-digit passcode to protect your account. You can also enable biometric login via Face ID or fingerprint.
- Fill in your details: Enter your full name, date of birth, address, email, and citizenship information.
- Verify your identity: Take a photo of your government-issued ID and a quick selfie in-app to confirm it’s you.
- Choose your plan: Start with our Standard plan (no monthly fee) or upgrade to one of our paid plans for additional features. You can change plans anytime in-app.
- Add money (optional): Put money into your account by linking a prepaid card or sending money from your bank account, or add it later.
Once your identity is verified, your account will be ready to use.
Choosing the right Revolut plan²
When you open a Revolut account in the US, you can start with our Standard plan, which has no monthly maintenance fee, or upgrade to one of our paid plans for additional features and benefits.
Each plan is designed to support different financial needs — from everyday spending to travel, saving, and managing money globally. You can upgrade or downgrade your plan anytime in-app.
Standard: $0/month
The Standard plan includes the essential tools you need to manage your money day to day.
- Spend using physical or virtual Revolut cards
- Send and receive fast transfers with other Revolut customers
- Track spending with real-time transaction notifications
- Use built-in budgeting and money management tools
- Exchange currencies up to $1,000 per month
- Withdraw cash at in-network ATMs without Revolut fees (third-party ATM fees may apply)
- Earn up to 4.00% APY on balances in a High-Yield Savings account³
- Create Kids & Teens accounts for up to 5 children
Standard is a great option if you want a simple, no-monthly-fee account for everyday spending, saving, and sending.
Premium: $9.99/month
The Premium plan is designed for customers who want more flexibility when spending or sending money internationally, along with additional account benefits.
Premium includes everything you get in Standard, as well as:
- 20% discount on international transfer fees for eligible transfers
- Priority in-app customer support
- Higher limits for ATM withdrawals (no Revolut fee for out-of-network ATM withdrawals up to $800 per month)
- Discounted airport lounge access
- Access to a personalized Premium card
- Up to 4.50% APY on High-Yield Savings balances³
Premium is ideal if you travel regularly, send money abroad, or want higher limits and additional account features.
Metal: $16.99/month
The Metal plan offers the most comprehensive set of benefits available for Revolut personal accounts in the US.
Metal includes everything in Premium, as well as:
- A contactless stainless steel Metal card
- 40% discount on international transfer fees
- Higher ATM withdrawal limits (no Revolut fee for out-of-network ATM withdrawals up to $1,200 per month)
- Travel insurance coverage, including protections for delayed flights or lost or damaged baggage
- Partner subscription benefits worth up to $100 per month
- Priority in-app customer support
- Unlimited currency exchange during market hours
- Up to 5.50% APY on High-Yield Savings balances³
Metal is designed for customers who want premium travel benefits, higher limits, and additional lifestyle benefits alongside everyday money management.
² Revolut is not a bank. Plan fees and cancellation fees apply for Premium and Metal plans. T&Cs apply.
³ The Annual Percentage Yield (APY) is a variable rate and may change at any time. APYs are accurate as of August 20, 2025. APYs vary by plan and account type. The rates are as follows:
- Standard: 4.00% APY for balances in a High-Yield account. 3.25% APY for balances in other Savings accounts.
- Premium: 4.50% APY for balances in a High-Yield account. 3.35% APY for balances in other Savings accounts.
- Metal: 5.50% APY for balances in a High-Yield account. 3.75% APY for balances in other Savings accounts.
No minimum balance to open. $0.01 minimum to earn APY. Only one High-Yield account is permitted per customer and is limited to $10,000 in customer-initiated deposits. The maximum combined balance of all savings accounts is $250,000 per customer. Savings account services are provided by Cross River Bank, Member FDIC, insured up to $250,000.
Want to learn more? Compare our plans and choose the one that suits you best.
Benefits of a Revolut account in the US
Once you've opened your account, you can start using our tools right away.
One of our most popular features is our High-Yield Savings account. This account lets you earn a competitive interest rate on your money, helping your savings grow faster than they might in a traditional checking account.
We also make it easy to spend your money securely. Whether you’re tapping a physical card in-store or using a virtual card online, stay in control with real-time spending notifications. For an extra layer of protection, use our regular or single-use virtual cards to keep your main details private.
If you need to send money to friends or family, we offer fast transfers to other Revolut customers. We also provide competitive exchange rates and clear information on any fees before you send money abroad. This means you always know exactly how much you're sending and how much your recipient will end up with.
Keeping your money secure
Security is built into every Revolut account. We use advanced technology to monitor for suspicious activity and help protect your account from unauthorized access.
In the US, money in your Revolut account is held by partner banks, making them eligible for FDIC insurance up to $250,000, in line with the protection offered by traditional banks.
You can also manage security in-app. For example, you can freeze or unfreeze your card right away if it’s lost, and disable features like contactless payments or ATM withdrawals when needed. Never share your passcode or verification codes with anyone, and if your card is ever lost or stolen, freeze it right away.
How to get started with Revolut
Ready to take control of your money? Getting started with Revolut is quick and easy. Simply download the app, enter your details, verify your identity, and choose the plan that works for you. Once your account is approved, you can add money, order your card, and start using Revolut right away.
The information provided is accurate as of March 16, 2026, and may change over time. Please check the Revolut app or website for the most up-to-date details.
The Revolut Prepaid Visa® and Revolut Prepaid Mastercard® cards are issued by Lead Bank, Member FDIC, pursuant to respective licenses from Visa U.S.A. Inc. and Mastercard International and may be used everywhere Visa or Mastercard respectively are accepted. Banking services offered through the Revolut Prepaid Card are provided by Lead Bank, and are subject to the terms of a Cardholder Agreement. Revolut Technologies Inc. (Revolut) is a technology services provider and program manager of the card program.
Funds in your Revolut Prepaid Card Account will be transferred to and held by Lead Bank, an FDIC insured institution. Funds loaded onto your Lead Bank issued card will be insured up to the applicable limits whether your funds are held directly by Lead Bank or through one of its networked FDIC insured institutions.