Name: Revolut
Brand: Revolut

Banking Meets Investing

Revolut combines trading with a broader money-management platform, offering access to stocks, ETFs, bonds, indices, and CFDs*. Depending on the jurisdiction, it is regulated under the FCA, MAS, and MiFID framework. Its edge lies in multi-currency investing, in-house stock insights, and round-the-clock human support. New users can also claim a $20 welcome bonus when signing up via Investing.com – simply order a card and spend $20 within your first month to redeem it.

Expert Reviewer Verdict

Revolut will appeal most to users who want investing folded into a wider financial life rather than kept in a separate brokerage silo. Its strongest advantage is convenience: one platform for investing and 24/7 human support. It also adds a distinctive research layer through Revolut Suggestions, with in-app buy, hold, and sell views backed by technical and fundamental analysis. The platform also offers a small set of short-form courses. So while the platform is clearly beginner-friendly, those looking for deeper learning resources may find it underpowered.

Pros and Cons

Pros

Join Revolut and Get a $20 Welcome Bonus
One App for Spending and Investing
Trading Access
24/7 Human Support in-App
In-House Stock Insights
Low-Cost or Free Trade Options

Cons

Light Educational Content
No Futures Trading

Trust and Safety

Built on Layers of Protection

Revolut presents trust and safety as a combination of regulation, controls, and asset segregation. In the EEA it is regulated under MiFID framework, investment services are provided by Revolut Securities Europe UAB (305799582), a Lithuanian investment firm authorised and regulated by the Bank of Lithuania, giving users a clearer sense of oversight across its investment services.

On fraud prevention, the platform says it applies checks at several stages. These include identity verification, customer due diligence, and risk assessment during onboarding, as well as screening against global fraud databases and internal data points. It also uses targeted lending checks for account takeover and first-party repayment fraud, alongside SCA-compliant authentication protocols to secure instructions and transactions. Users can add another layer through Face ID on iOS or fingerprint biometrics for app access and payment authorization.

Client asset protection is also structured carefully. Revolut says client funds are safeguarded in segregated accounts at leading banks, while financial instruments are held in third-party custody and kept separate from both the custodian’s own assets and Revolut entities’ corporate assets.

Regulatory Body	Status
ASIC	No
CySEC	No
DFSA	No
EFSA	No
FCA	Yes**
FMA	No
FSA (SC)	No
FSCA	No
FSC	No
JFSA	No
MAS	Yes***
MiFID	Yes

**Investment services in the UK are provided by Revolut Trading Ltd., with FCA Reference number: 933846

***Investment services in Singapore are provided by Revolut Securities Singapore Pte. Ltd. (RSSPL), with Unique Entity Number 202102782K

Tradable Instruments

A Broad Mix of Markets

Revolut offers a notably wide instrument mix for a platform that sits at the intersection of banking and investing. According to the information provided, users can trade stocks, ETFs, bonds, indices, and CFDs, with more than 7000 assets available overall.

That range gives the platform a broader reach than many apps built mainly around shares alone. It allows users to move across core long-term holdings such as stocks, ETFs, and bonds, while also accessing faster-moving markets like index-based products. The offering is especially relevant for users who value having multiple asset classes within one account ecosystem rather than splitting activity across several providers.

The product range also fits Revolut’s wider pitch: a single platform for investing.

Trading Instrument	Available
CURRENCIES	No
ETF	Yes
FUTURES	No
INDICES	Yes
STOCKS	Yes
BONDS	Yes
OPTIONS	No

Account Types

Simple Accounts, Narrow Choice

Revolut keeps its account structure relatively straightforward. The main option is a General Investment Account (GIA), which serves as the standard route for users who want to access its investment offering.

This is not a platform built around a long menu of specialised account categories. Instead, the emphasis appears to be on simplicity and accessibility, which fits its positioning as a beginner-suitable platform (not all financial instruments are appropriate or available to beginners though). There is also no minimum amount required to fund an account, which lowers the barrier to entry for newer investors.

The trade-off is that account choice appears fairly narrow based on the information provided. Users looking for a broader range of account wrappers may find the lineup more limited than at some dedicated brokers.

Account Type	Available
DEMO ACCOUNT	No
ISLAMIC ACCOUNT	No
SEGREGATED ACCOUNT	Yes
MANAGED ACCOUNT	Yes
SUITABLE FOR BEGINNERS	Yes
SUITABLE FOR PROFESSIONALS	No
US TRADER	No

Commission and Fees

Low Entry, Layered Pricing

Revolut’s fee structure is accessible at the entry level, but it becomes more layered once users move beyond free allowances or trade across currencies and products.

Account Minimum

There is no minimum amount required to fund the account.

Trading Fees

Selected ETF plans are fee-free. For equities, ETFs, and bonds, users get a monthly number of commission-free orders by plan, with extra trades charged at 0.25% or 0.12% for Ultra users. In some markets, certain plans move to a flat €1 per trade. Taxes and regulatory fees may also apply.

CFD Fees

Equity CFDs carry a 0.25% fee per transaction or USD 0.01, whichever is higher. Other non-equity CFD trades are free of charge.

Futures Fees

Futures are not available.

Account Fee

There is no account fee, though ADR pass-through fees may apply on certain holdings.

Inactivity Fee

No inactivity fee is charged.

Deposit Fee

No deposit fee is charged.

Withdrawal Fee

No withdrawal fee is charged, though currency conversion fees may apply where relevant.

Overnight Funding Fee

Overnight funding applies only to CFDs held overnight, with charges depending on the asset, rate, and position direction.

Currency Conversion Fee

Conversion fees may apply depending on the user’s plan, exchange size, and whether the exchange is made on a weekend.

Guaranteed Stop Order Fee

There is no additional fee for Take Profit or Stop Loss orders.

Trading Platforms

Built Around Its Own Platform

Revolut offers a proprietary trading setup designed around its own ecosystem rather than third-party software. Based on the information provided, users can access trading through the Revolut app and Revolut Terminal, giving the platform coverage across mobile, web, and desktop-style access. The focus appears to be on keeping investing within Revolut’s broader financial environment.

Mobile Trading Apps

Revolut offers mobile trading through its app, available on both Android and iOS. This gives users direct access to the platform from their phones, making it easy to monitor markets, manage positions, and invest while on the move. The mobile app also fits naturally into Revolut’s wider ecosystem, where users can handle investing in one place.

Web Trading Apps

Web-based trading is available through Revolut’s web terminal setup. This gives users another way to access their account without relying solely on mobile. It may suit those who prefer trading on a larger screen, checking positions during the workday, or managing investments with a more traditional browser-based experience.

Desktop Trading Apps

For desktop users, Revolut offers Revolut Terminal. This provides a dedicated trading environment for those who want a larger-screen view of the market and their portfolio. It adds more flexibility for users who prefer to review trades, track assets, and manage their activity from a computer rather than a phone.

Trading Platform	Available
MT4	No
MT5	No
CTRADER	No
PROPRIETARY	Yes

Desktop and Web Platform	Available
DESKTOP WINDOWS	No
DESKTOP MAC	No
WEB PLATFORM	Yes

Mobile Platform	Available
ANDROID	Yes
iOS	Yes

Unique Features

Where Revolut Stands Apart

Revolut’s most distinctive feature is that it does not present investing as a standalone activity. Instead, it places trading inside a broader financial ecosystem in one platform. That gives it a different proposition from brokers used mainly as secondary accounts.

Another standout is Revolut Suggestions, its in-house research feature, which offers buy, hold, and sell views based on a proprietary methodology combining fundamental analysis, dividends, earnings growth, technical indicators, market sentiment, and third-party analyst ratings. For eligible users, Trading Pro also adds Live Level 2 Market Data for US and EU equities. Revolut also leans on its multi-currency structure as a differentiator, allowing users to invest using existing balances, while 24/7 human support reinforces its broader service-led model.

Research and Education

Sharper Research, Light Education

Revolut’s research offering is more distinctive than its educational one. Its main research tool is Revolut Suggestions, produced by an in-house team using a proprietary methodology and fundamental stock analysis. These suggestions classify stocks as buy, hold, or sell and are supported by factors such as dividends, earnings growth, technical indicators, market sentiment, and third-party analyst ratings sourced from FactSet UK Limited. Users can also review past suggestions where available. For those on the Trading Pro subscription, Revolut adds Live Level 2 Market Data for US and EU equities.

Education is available, though it appears relatively limited in scope. The platform offers four short-form courses of around five minutes each, covering Investing 101, how to start trading, investing in stock, and navigating stock markets.

Customer Support

Support That Stays Switched On

Revolut offers customer support on a round-the-clock basis, with service available 24/7, 365 days a year. Its main support channel is in-app chat, which is available in more than 100 languages, reinforcing the platform’s emphasis on digital accessibility. Email support is also available through support@revolut.com. For users on Premium, Metal, and Ultra plans, Revolut adds another layer of service by offering in-app calling. Taken together, the support setup is clearly designed around speed, convenience, and always-on access, which fits the platform’s broader pitch as a digital financial ecosystem rather than a traditional broker with limited service hours.

Account Opening

Compliance-Led From the Start

The account opening process is built around regulatory checks and user identification.

Registration: Users begin the trading sign-up process by answering a series of questions required for regulatory purposes. These include details about citizenship or residency, occupation, affiliation, and tax status.

Verification: Revolut requires users to confirm key personal and tax information, including their national identifier details and tax identification number. If a user is a US citizen outside the USA, or does not have a valid TIN matching the country of residency on the Revolut account, an investment account cannot be opened.

Document Upload: Where needed, users may also be asked to provide additional details such as a transaction reporting number, usually a TIN or national ID number, especially if residency and nationality differ.

Overall, the process appears structured to meet regulatory and reporting requirements before trading access is granted.

Deposit and Withdrawals

Fast Funding, Simple Withdrawals

Revolut handles deposits and withdrawals through its wider account ecosystem rather than a standalone brokerage model.

Deposits: Users do not fund a separate brokerage account directly from an external bank. Instead, they first add money to their primary Revolut current account, then allocate funds to their investment balance. Funding methods include debit or credit card, Apple Pay, Google Pay, and bank transfer. Card and digital wallet top-ups are instant, while bank transfers can be instant or take up to three business days. No deposit fee is charged, though currency conversion fees may apply depending on the funding currency and plan.

Withdrawals: Withdrawals are free of charge and typically instant. If funds are withdrawn right after a stock sale, normal settlement times apply: T+1 for USD stocks and T+2 for EUR stocks.

Overall, the process is designed for convenience, though it remains closely tied to the Revolut account structure.

Final Thoughts

Revolut stands out as a broker for users who want investing woven into a broader financial platform rather than separated from everyday money management. Its appeal lies in convenience: access to stocks, ETFs, bonds, indices, and CFDs within the same ecosystem. Features such as 24/7 support, and Revolut Suggestions give it a distinctive edge.

That said, the platform is not without limits. Educational content remains relatively light, and some costs depend on plan type, trading volume, and currency conversion. Account options also appear fairly narrow.

Taken together, Revolut looks best suited to cost-conscious international users who value simplicity, integrated money tools, and accessible investing over the deeper account range or education offered by some more specialised brokers.

Contact Info

Website:

Email: support@revolut.com

Telephone: N/A

Company Address:
Konstitucijos ave. 21B, Vilnius, the Republic of Lithuania, LT-08130

FAQs

Question: Does Revolut Have a Minimum Deposit?

Answer: No. Revolut states that there is no minimum amount required to fund an account.
Question: What Can I Trade with Revolut?

Answer: Revolut offers stocks, ETFs, bonds, indices, and CFDs.
Question: Does Revolut Charge Deposit or Withdrawal Fees?

Answer: No. Revolut does not charge deposit or withdrawal fees, though currency conversion fees may apply in some cases.
Question: Is Revolut Suitable for Beginners?

Answer: Yes. The platform is marked as suitable for beginners where it comes to non-complex financial instruments and has a simple account structure with no minimum funding requirement.