Revolut Review 2026 — The Super App for Money
Introduction: What Revolut Offers in the US
Revolut is an app that combines a prepaid debit card, currency exchange, international transfers, savings and stock investing. This review covers the US offer, based on the plans, fees and legal disclosures on Revolut’s US website. We have not opened an account for this review.
Two points shape everything else:
- Revolut is not a bank in the US. Revolut Technologies Inc. is a technology services provider and program manager. The Revolut Prepaid Visa and Mastercard cards are issued by Lead Bank, Member FDIC, and savings accounts are provided by Cross River Bank, Member FDIC. Revolut states that FDIC insurance does not protect your funds in the event of Revolut’s own failure, or from theft or fraud.
- Revolut does not offer crypto in the US. Its US terms state that, effective October 3, 2023, Revolut Technologies Inc. does not offer cryptocurrency services. If you want to buy crypto, you need another platform.
Plans and Fees
| Standard | Premium | Metal | |
|---|---|---|---|
| Monthly fee | $0 | $9.99 | $16.99 |
| Currency exchange (fair usage fees may apply beyond) | $1,000/month | $10,000/month | Unlimited |
| Extra exchange fee outside FX market hours | 1% | None | None |
| Out-of-network ATM withdrawals | 2% on all | No Revolut fee up to $800/rolling month, then 2% | No Revolut fee up to $1,200/rolling month, then 2% |
| Discount on Revolut’s international transfer fees (SWIFT OUR) | — | 20% | 40% |
| High Yield Savings APY (variable, as of 9/1/2026) | 3.5% | 3.75% | 4% |
| Airport lounge access | Not discounted | Discounted | Discounted |
Foreign-exchange market hours are all hours except Friday 5:00pm to Sunday 6:00pm Eastern Time. Withdrawals from in-network ATMs carry no Revolut fee, and third-party fees may apply. Paid plans run for 12 months, paid monthly or annually, and a fee may apply if you cancel early.
Revolut Standard
Pros
- No monthly fee.
- Hold, send and spend in 25+ currencies, and send money to 140+ countries.
- High Yield Savings at 3.5% APY (variable, as of 9/1/2026) and access to stocks and ETFs.
Cons
- Currency exchange capped at $1,000 per month, with a 1% fee outside FX market hours.
- 2% fee on every out-of-network ATM withdrawal.
Revolut Premium
Pros
- Currency exchange up to $10,000 per month, with no out-of-hours fee.
- No Revolut fee on out-of-network ATM withdrawals up to $800 per rolling month.
- 20% discount on Revolut’s international transfer fees and discounted airport lounge access.
- High Yield Savings at 3.75% APY (variable, as of 9/1/2026).
Cons
- $9.99 monthly fee on a 12-month plan.
Revolut Metal
Pros
- Unlimited currency exchange (fair usage applies), with no out-of-hours fee.
- No Revolut fee on out-of-network ATM withdrawals up to $1,200 per rolling month.
- Travel medical insurance and delayed flight or lost luggage coverage, provided by Chubb.
- Brand subscriptions that Revolut values at $100 per month, and a stainless steel Metal card.
- High Yield Savings at 4% APY (variable, as of 9/1/2026) and a 40% discount on Revolut’s international transfer fees.
Cons
- $16.99 monthly fee, the highest of the three plans.
Savings
Revolut’s High Yield Savings account is provided by Cross River Bank, Member FDIC, and insured up to $250,000. Its variable APY depends on your plan, from 3.5% on Standard to 4% on Metal (rates accurate as of 9/1/2026). Only one high-yield account is allowed, and it is limited to $10,000 in customer-initiated deposits. Other Savings accounts earn 2.9% (Standard), 3% (Premium) or 3.1% (Metal) APY, with a maximum combined balance of $250,000. There is no minimum balance to open, and $0.01 is needed to earn the APY.
Investing
Revolut Securities Inc., a FINRA and SIPC member, offers 4,000+ stocks and ETFs, from $1, with no commission within a monthly allowance; other fees may apply. Revolut Wealth Inc., an SEC-registered investment adviser, runs a Robo-Advisor that builds a portfolio based on your goals. Securities are not FDIC-insured and can lose value. Revolut does not offer crypto in the US.
FAQ
Is Revolut safe to use in the US?
Revolut is not a bank. Money in your Revolut Prepaid Card Account is held at Lead Bank, and savings at Cross River Bank, both FDIC members, so FDIC insurance applies up to the legal limits if one of those banks fails. It does not protect you if Revolut itself fails, or against theft or fraud. Revolut says it uses two-factor authentication on transactions, biometric checks on asset withdrawals and algorithms that detect suspicious activity, with 24/7 in-app support.
Can I buy crypto with Revolut in the US?
No. Revolut’s US terms state that, effective October 3, 2023, Revolut Technologies Inc. does not offer cryptocurrency services.
How does Revolut compare to traditional banks for savings?
Revolut’s High Yield Savings APY is 3.5% to 4% depending on the plan (variable, as of 9/1/2026), but the high-yield rate applies to a single account limited to $10,000 in customer-initiated deposits. Check the rate that applies to your other Savings balances before moving larger amounts.
Can I use Revolut for international payments?
Yes. Revolut lets you send money to 140+ countries and hold, send and spend in 25+ currencies. Check the plan limits: the free Standard plan includes $1,000 of currency exchange per month.
Does Revolut offer credit products in the US?
Revolut lists a Revolut Visa Credit Card issued by Cross River Bank, Revolut Personal Loans made by Cross River Bank, and a Revolut Secured Mastercard Credit Card issued by Lead Bank. Availability and terms depend on your application.
Is Revolut good for long-term wealth management?
It can cover part of it: stocks and ETFs, a Robo-Advisor and savings sit in the same app. It does not offer mortgages or estate planning, so most users will still need other institutions for those.
Conclusion
Revolut is a strong fit for US users who travel, hold several currencies and want savings and stock investing in the same app. The free Standard plan works for light use, but its $1,000 monthly exchange limit, 1% out-of-hours fee and 2% out-of-network ATM fee make Premium or Metal worth comparing if you convert or withdraw often abroad. Keep in mind that Revolut is not a bank and does not offer crypto in the US.
Start with the Standard plan to see whether the app suits you, then compare the monthly fee of Premium or Metal with the fees and limits you would avoid.