Revolut Trading review 2026

Overview

Revolut was created to disrupt the banking industry by reducing or removing the fees associated with traditional banks.

One of the value propositions that fuelled its growth has been its competitive exchange rates combined with a free debit card, which lets clients save money when they exchange currencies and pay abroad.

Over time, Revolut added investing to its offering: US and European stocks, ETFs, bonds, money market funds, cryptocurrencies and precious metals, with fractional shares and a number of commission-free trades each month. Quick access to investments from the same app you use to spend and save remains Revolut’s main advantage over its competitors.

However, investors who need advanced brokerage services (such as options, futures or access to many exchanges) or financial advice will be better served elsewhere.

Customer support is provided through in-app chat, so you cannot talk to someone by phone if you have a serious problem.

Revolut now supports portfolio transfers for both stocks and cryptocurrencies. You can transfer existing positions to or from another broker without selling and rebuying, and you can send crypto to and receive it from external wallets, subject to network and country availability.

Highlights

Account opening

Opening an account with Revolut is simple and fast. Download the app, enter your personal information, upload your identity documents and wait for verification. Then you are ready to go.

Once registered, you have immediate access to payments and investments, and you can set up savings vaults and see insights on how you spend your money.

Trading platform

Revolut’s main trading platform is its mobile app, but you can also trade stocks, ETFs and crypto on the web.

The platform is not the most advanced on the market, but it offers useful information for most investors, including news, company financials and analysts’ average price targets.

For beginners, this information is presented in an accessible way, with useful features such as price alerts, watchlists and limit orders. More active investors can subscribe to Trading Pro, which unlocks the Trading Terminal web platform with TradingView-powered charts and higher order limits.

Products and markets

Revolut’s product range has grown significantly. EEA clients (served by Revolut Securities Europe UAB) can invest in thousands of US stocks and ETFs, bonds (since May 2025), money market funds (Flexible Cash Funds), cryptocurrencies and precious metals (gold, silver, platinum and palladium). Revolut has also launched a robo-advisor in selected markets.

CFDs are available in some countries, but options, futures and mutual funds are not offered, and leverage is not available on regular stock trades for retail clients.

If you have less money to invest, fractional shares let you buy a part of an expensive stock with small amounts. For larger amounts, make sure you understand the investor protection limits explained in the “Safety and regulation” section below.

Stocks and crypto are easy to find as soon as you open the app, while investing in gold and silver is a little more “hidden”. These are the steps to find them:

1. Open the Revolut app and tap “Hub”;
2. Scroll down to “Wealth” and choose “Commodities”;
3. The default commodity is gold;
4. For silver, tap the ingots icon.

Fees

There are no fees to deposit or withdraw money, and no inactivity or custody fees on your investments.

However, trading fees apply once you use up your monthly commission-free trades, and trading crypto and commodities also has a cost. Fees can change depending on your country of residence, so check the fees for your country in the app.

Below, we explain the fees for each asset class.

Revolut trading fees

Stock, ETF and bond trading fees

Each Revolut plan includes a number of commission-free stock and ETF trades per month. Since 19 May 2025, commission-free trades also apply to bonds. For EEA clients, the monthly allowances are:

• Standard (free): 1 commission-free trade per month;
• Plus: 3 commission-free trades per month;
• Premium: 5 commission-free trades per month;
• Metal: 10 commission-free trades per month;
• Ultra: 10 commission-free trades per month.

After the free allowance, according to Revolut, the commission is the greater of 0.25% of the order amount (Standard, Plus, Premium and Metal) or 0.12% (Ultra and Trading Pro), and a minimum fee of €1. There is no minimum fee on recurring ETF (ETP) buy orders, and buy orders on selected ETFs placed through the investment plan feature are commission-free.

Trading Pro is a monthly add-on (free for Ultra subscribers, price varies by country) that reduces the commission to 0.12% and unlocks the Trading Terminal web platform. Plan prices also vary by country, so check the current prices in the app.

Money market fund fees

Revolut’s Flexible Cash Funds charge an annual fee that falls as you move up the plans. For EUR funds, it goes from 0.9% on Standard to 0.05% on Ultra. For USD funds, it goes from 1.5% to 0.15%.

Revolut crypto trading fees

Crypto trading fees vary by plan and by your trading volume over a rolling 30-day window:

• Ultra customers: 0% crypto fee;
• Other plans: up to 1.49%, falling as your monthly volume grows.

When a trade moves you into a lower-fee tier, the new rate applies only to later trades within the 30-day window.

Revolut commodity trading fees

Revolut charges a fee every time you buy or sell commodities, and it depends on your plan:

• Standard or Plus plan: 0.99% of the order value, with a minimum fee of €1;
• Premium, Metal or Ultra plan: 0.49% of the order value, with a minimum fee of €1.

On some plans, commodity conversions may also count towards your monthly exchange fair usage limit. Revolut shows you the exchange rate, the fees and the total cost in the app before you confirm.

Safety and regulation

Revolut’s safety depends on which Revolut entity you are a client of, and on whether we are talking about your money or your investments.

In the UK, Revolut Trading Ltd has been authorised and regulated by the Financial Conduct Authority (FCA) since November 2024, under FRN 933846. It is no longer an appointed representative of another firm, so eligible UK clients are covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 for investment business if Revolut Trading Ltd fails.

In March 2026, the UK’s Prudential Regulation Authority also lifted the restrictions on Revolut’s UK banking licence, and Revolut Bank UK Ltd launched as a fully licensed bank. The migration of existing UK customers to the new bank has since been completed, so eligible UK deposits are now protected by the FSCS.

Money protection

How your money is protected depends on the Revolut entity you are registered with:

• Revolut Bank UAB (most EEA clients): deposits are protected by the Lithuanian deposit insurance scheme up to €100,000 per depositor;
• Revolut Bank UK Ltd (UK): UK customers have been migrated to Revolut’s UK bank, and eligible deposits are protected by the FSCS up to £85,000 per depositor.

Investment protection at a glance

• Revolut Securities Europe UAB (EEA investments): up to €22,000 under the Lithuanian investor compensation scheme;
• Revolut Trading Ltd (UK investments): up to £85,000 under the FSCS.

You can check which entity you are registered with in the app, by tapping the icon with your name and scrolling down:

In both cases, client assets are held in segregated accounts, separate from Revolut’s own assets. In theory, this means Revolut’s creditors would have no claim on your money or investments if the company went bankrupt.

Keep in mind what compensation schemes cover: they only step in if the firm fails and cannot return your assets, up to the limits above. They never cover losses from market movements.

Investment protection

For EEA clients, custody and trading services are provided by Revolut Securities Europe UAB (“RSEUAB”), which executes your orders and holds your shares and ETFs. RSEUAB uses third-party brokers to execute and hold securities, historically DriveWealth LLC for US securities, with other partners for European instruments. Each of these partners is supervised by its own regulator.

For US securities held through DriveWealth, a member of the Securities Investor Protection Corporation (SIPC), SIPC protection of up to $500,000 (including up to $250,000 in cash) applies to the account held at DriveWealth. Because Revolut holds client assets in an omnibus account, this protection applies to the account in aggregate, not to each individual client.

If RSEUAB itself becomes insolvent and cannot return your money or securities, you are protected up to €22,000 under the Law on Markets in Financial Instruments of the Republic of Lithuania. More information here.

For precious metals, Revolut holds the gold and silver bought by its clients through an account with a member of London Precious Metals Clearing Limited, a standard arrangement in the industry.

For cryptocurrencies, protection is weaker than for traditional financial instruments. The EU’s Markets in Crypto-Assets (MiCA) regulation now sets rules for crypto service providers, but crypto holdings are still not covered by deposit guarantee schemes or investor compensation schemes such as the FSCS or the Lithuanian schemes. If Revolut failed, or if something went wrong with your crypto, you would not be compensated in the same way as with stocks or cash.

Supported countries

Revolut accepts customers in around 40 markets, including all EEA countries, the United Kingdom, Switzerland, the United States, Australia, New Zealand, Japan, Singapore, Brazil and Mexico, and it continues to expand.

However, Revolut’s investment services are only available in some of these countries, mainly the EEA, the UK and the United States, and the products offered differ from country to country. Check your country’s Revolut website for confirmation.

Not available in your country? Take a look at some Revolut alternatives!

Revolut alternatives

Bottom line

Revolut keeps gaining traction thanks to its huge customer base, and investing is a natural extra for people who already use it for everyday money.

Since the platform is simple and you do not need a finance degree to use it, it is appealing for anyone starting their investing journey. Its offer has also grown a lot: besides stocks, ETFs and crypto, you can now buy bonds, money market funds and precious metals, or use a robo-advisor.

As your investing knowledge grows, you may still miss products such as options, futures or access to more exchanges, and active traders will find that commissions add up once the monthly free trades are used. Also make sure you understand which Revolut entity holds your money and investments, and the protection limits that apply.

All in all, if your priority is a simple mobile app, integrated with your banking and with some free trades every month, Revolut could be a good fit.