Revolut Review 2026: 70 Million Users, a $75 Billion Valuation, and the Super App That Does Almost Everything

TL;DR: Revolut is a London-founded financial super app with over 70 million customers across 48-plus countries, $4 billion in 2024 revenue (up 72 percent year-on-year), and a $75 billion valuation from a November 2025 secondary share sale backed by Andreessen Horowitz, NVIDIA's NVentures, Franklin Templeton, and T. Rowe Price. In March 2026 Revolut received its full UK banking licence from the PRA and simultaneously filed for a US national bank charter with the OCC and FDIC, with plans to invest $500 million in the American market. Revolut supports buying and selling 200-plus cryptocurrencies with standard fees of 1.99 percent (lower on paid plans). It is not a dedicated crypto exchange: crypto is a feature within a broader banking and investing app. The Metal plan at $16.99 per month pays up to 5.50 percent APY on savings (capped at $10,000 in customer-initiated deposits), fee-free currency exchange, priority support, and a metal card. UK and EU deposits are covered by FSCS up to GBP 85,000 or equivalent deposit guarantee schemes. US deposits are held at FDIC-insured partner banks. MediaCrypto verdict: Revolut is the best all-in-one banking plus crypto option for travelers, expats, and digital nomads who want a single app for everything. It is not the right choice for serious crypto traders who need depth, advanced order types, or low fees at scale.

Revolut started in 2015 as a travel card with good FX rates. A decade later it has become something fundamentally harder to categorize: a banking app that also does crypto, stocks, savings, insurance, eSIMs, kids accounts, salary advance, and a robo-advisor. The product expansion has been so broad that the original travel card use case, still genuinely excellent, is now a small fraction of what Revolut offers.

Understanding the 2026 Revolut is about understanding which of those features you actually need and whether the pricing structure makes sense for your specific usage.

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What Is New in 2026

The UK banking licence is the most significant development. Revolut applied for the UK banking licence in 2021 and received it in March 2026, a five-year process that included significant regulatory scrutiny. The licence transforms Revolut's UK status from an e-money institution to a fully regulated bank, meaning UK customer deposits are now covered by the FSCS up to GBP 85,000, Revolut can offer credit products under banking law, and its UK operations sit within the full PRA regulatory framework.

The US national bank charter application, filed the same month, is the next major milestone. If granted, it would allow Revolut to operate across all 50 US states under a single regulatory framework and offer personal loans and credit cards in the US. Currently US deposits are held through partner banks (Lead Bank for card funds, Cross River Bank for savings), which are FDIC-insured. The full charter would give Revolut direct banking status rather than a technology-provider model.

The $75 billion November 2025 valuation, up from $45 billion in August 2024, reflects investor confidence in Revolut's path to full banking status in both the UK and US. NVIDIA's investment through NVentures adds an AI dimension: Revolut has been incorporating AI-powered financial features and the backing from NVIDIA's venture arm signals that machine learning is increasingly central to its product development.

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Plans and Pricing: What You Actually Pay

Standard plan is free and includes a Revolut account, debit card, basic FX rates, and basic crypto trading. The Standard plan has limits on fee-free FX exchange and ATM withdrawals beyond which fees apply.

Plus at $3.99 per month adds higher FX allowances, priority support, and slightly higher savings rates.

Premium at $9.99 per month adds travel insurance, higher limits on fee-free FX and ATM withdrawals, and access to the full investment platform including stocks and ETFs.

Metal at $16.99 per month is the flagship tier: up to 5.50 percent APY on savings (capped at $10,000 in customer-initiated deposits), unlimited fee-free weekday FX exchange, the highest ATM withdrawal allowances, priority customer support, cashback on card spending, and the stainless steel physical card.

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The Crypto Feature: What It Does and What It Does Not Do

Revolut supports buying and selling over 200 cryptocurrencies directly within the app. The interface is simple: search for a coin, enter an amount, confirm, done. There is no order book, no limit orders, and no advanced charting. This is crypto for people who want to buy and hold, not for traders.

The fee structure is the most important thing to understand. Standard plan crypto trades cost 1.99 percent per transaction. Paid plans receive lower fees, with Metal plan users seeing the lowest rates. On a $1,000 Bitcoin purchase at Standard rates, you pay $19.90 in fees. Compare this to Kraken Advanced at 0.40 percent ($4) or Coinbase Advanced at 0.60 percent ($6). Revolut's crypto fees are expensive relative to dedicated exchanges.

Revolut has moved from a derivatives-based crypto model to actual crypto custody, meaning you now own the underlying asset rather than a contract referencing its price. This was a significant improvement that addressed a long-standing criticism. However, you cannot withdraw crypto from Revolut to an external wallet in all regions. In the UK and EU, crypto withdrawals to external wallets are available. In the US, crypto withdrawal functionality is more limited.

For users who want to buy a small amount of Bitcoin or Ethereum alongside their banking activity, Revolut is convenient and sufficient. For users who want to accumulate significant crypto holdings, the fee structure and withdrawal limitations make dedicated exchanges like Kraken or Coinbase more appropriate.

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Who Revolut Is For

Revolut is genuinely excellent for three specific use cases. International travelers and expats are the original audience and still the best fit: zero FX fees on card spending in any currency, multi-currency accounts, competitive exchange rates, and global ATM access in a single app make Revolut the best financial product available for people who live across borders.

Digital nomads who want banking and crypto in one place benefit from the combination of features that no single conventional bank or crypto exchange provides. A salary arriving via SEPA, converted to USDT, with some Bitcoin purchased and the rest earning 5.50 percent in a savings vault, all managed from one app, is the Revolut use case.

Beginners who want simple crypto access without setting up exchange accounts, managing wallets, or learning order books can start with Revolut's simple buy interface and upgrade to a dedicated exchange later when they are ready for more control.

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What Revolut Is Not Good For

Active crypto traders who need low fees, advanced order types, deep liquidity, and wide altcoin selection are better served by Kraken, Coinbase, or Bybit. Revolut's 1.99 percent standard fee, limited order types, and 200-coin selection are not designed for serious trading.

Users who need full self-custody crypto should not use Revolut as their primary holding platform. While Revolut now supports crypto withdrawals to external wallets in the UK and EU, the experience is not designed for hardware wallet integration or regular self-custody management.

US-only users who do not travel internationally get less value from Revolut than domestic-focused neobanks like Ally, Chime, or SoFi, which offer competitive savings rates without the complexity of a feature-heavy app designed for global use.

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About the Author

This article was researched and written by the MediaCrypto editorial team. MediaCrypto is a cryptocurrency news and market analysis publication covering Bitcoin, Ethereum, altcoins, regulatory developments, and market trends. Follow us on X at @MediaCrypto_AI and on Instagram.

FAQ — Revolut Review 2026

Is Revolut a bank in 2026? Yes in the UK. Revolut received its full UK banking licence from the PRA in March 2026, making UK deposits eligible for FSCS protection up to GBP 85,000. In the US, Revolut filed for a national bank charter in March 2026 but has not yet received it. US deposits are currently held at FDIC-insured partner banks.

What are Revolut's crypto fees in 2026? Standard plan crypto trades cost 1.99 percent per transaction. Paid plans receive lower fees. Revolut's crypto fees are significantly higher than dedicated exchanges like Kraken (0.40 percent) or Coinbase Advanced (0.60 percent), making it more appropriate for occasional buyers than active traders.

What is Revolut's savings rate in 2026? The Metal plan pays up to 5.50 percent APY on savings, capped at $10,000 in customer-initiated deposits. Lower plan tiers have lower savings rates. US savings are held at Cross River Bank (FDIC-insured).

How many users does Revolut have? Revolut has over 70 million customers across 48-plus countries as of 2026. Revenue hit $4 billion in 2024, up 72 percent year-on-year. Its November 2025 secondary share sale valued the company at $75 billion, making it one of Europe's most valuable private companies.

Can I withdraw crypto from Revolut to an external wallet? In the UK and EU, crypto withdrawals to external wallets are available. In the US, withdrawal functionality is more limited. Revolut is not designed as a self-custody-first platform and is better suited for holding and trading within the app than for regular hardware wallet integration.

Visit Revolut: https://www.revolut.com

Read also: Coinbase Review 2026 — https://mediacrypto.ai/news/coinbase-review-2026-the-worlds-most-regulated-exchange-after-the-sec-lawsuit-th

Read also: Kraken Review 2026 — https://mediacrypto.ai/news/kraken-review-2026-14-years-zero-customer-fund-hacks-500-plus-cryptos-and-the-ho

This article is for informational purposes only. Always do your own research before making investment decisions.