Revolut Trading review 2026

Overview

Revolut was created with the primary goal of disrupting the banking industry by reducing and removing fees associated with the traditional banking system.

Indeed, one of its value propositions that have fuelled the company’s growth has been its highly competitive exchange rates associated with a free debit card, which allows clients to save money when they exchange between different currencies and when a payment is made in a foreign country.

The company has also added other services to its offering, namely the possibility of buying US stocks, ETFs, cryptocurrencies, and precious metals (Gold and Silver) with low commissions and using fractional shares. The quick access to investment products, especially stocks provided by the platform, combined with low commissions, remains the most engaging differential that enables Revolut to stand out from its competitors.

However, we note that clients who value advanced brokerage services (or other banking services such as advisory) would be better served elsewhere.

Customer support is provided entirely through the app via chat, which means that if you experience significant problems, you won’t be able to talk with someone directly.

Revolut now supports portfolio transfers for both stocks and cryptocurrencies, a major improvement on its earlier closed model. You can transfer existing positions to or from another broker without needing to sell and rebuy, and crypto can be sent to and received from external wallets, subject to network and country availability.

Highlights

Account opening

Opening an account in Revolut is practical, simple, and fast. All it takes is to download the app, insert your personal information together with your documents, wait for all the information to be cleared, and you are ready to go.

After finishing registration, you will have immediate access to the payment and investment services, where you can set saving vaults and access data that provides you with insights on how to spend your money.

Trading platform

Revolut’s central platform for trading is the mobile app. Nonetheless, you might also trade on the web version (for stocks, ETFs and crypto).

Even though Revolut’s trading platform is not the most advanced, it fundamentally provides valuable analytical information covering news, companies’ financials, and the analysts’ average target price for a particular stock.

For beginners, the way Revolut presents this sort of information is accessible enough to meet investment goals, with valuable functionalities such as price alerts, “add to your favourites” and limit orders, increasing the platform’s attractiveness and ease of use even more.

Products and markets

Revolut’s product range has expanded significantly. EEA clients (under Revolut Securities Europe UAB) can now invest in 4,000+ US stocks, ETFs, bonds (since May 2025), Money Market Funds (Flexible Cash Funds), cryptocurrencies, and precious metals (Gold, Silver, Platinum and Palladium). Revolut has also rolled out a Robo-Advisor service in selected markets.

CFDs are available in some jurisdictions through Revolut Securities Europe UAB, but options, futures, and mutual funds are not offered. Leverage trading is not available for retail clients on regular stock trades.

For clients with less money to invest, the ability to buy fractional shares may be something worth considering. However, we wouldn’t recommend investing large amounts due to security reasons (more about this in “safety”).

We also noticed that finding stocks and crypto trading is pretty straightforward as soon as you open the app, although investing in Gold and Silver seems to be a little “hidden”. These are the steps to find Gold and Silver:

1. Open the Revolut App and click on “Hub”;
2. Scroll down to “Wealth”, and choose “Commodities”;
3. The default commodity investment is Gold.
4. For the silver investment option, click on the ingots icon.

Fees

There are no fees associated with depositing, withdrawing money, or not moving your money (inactivity fees).

However, if you surpass your monthly free stock trades, trading fees will also apply. Trading cryptos and commodities will also incur fees. 

Make sure you read Revolut’s fees in your country of residency, as these can change depending on your location.

Below, we elaborate on the specific fees charged when investing in each asset class (stocks, cryptos, and commodities).

Revolut trading fees

Stock, ETF, and Bond trading fees

Revolut offers commission-free trades based on your subscription plan. Starting from May 19, 2025, commission-free trades also apply to bonds.

According to Revolut Securities Europe UAB’s current fee schedule (the entity serving EEA clients), commission-free trade allowances by plan are:

• Standard (Free): 1 commission-free trade/month
• Plus (€3.99/month): 3 commission-free trades/month
• Premium (€8.99/month): 5 commission-free trades/month
• Metal (€15.99/month): 10 commission-free trades/month
• Ultra (€55/month): 10 commission-free trades/month

After the monthly free allowance, the commission fee is the greater of 0.25% of the order amount (0.12% for Ultra) or a minimum fee of €1. Trading Pro (€4.99/month add-on, free for Ultra subscribers) reduces the commission to 0.12% with no minimum fee, and unlocks the Trading Terminal web platform with TradingView-powered charts. Trading Pro is not available on the Standard plan; you need at least Plus.

Note: fees may differ by country of residence. Confirm in the Revolut app or the local Revolut help page.

Revolut crypto trading fees

Crypto trading fees vary by plan and trading volume (based on a rolling 30-day window):

• Ultra customers: 0% crypto fee.
• Others: Up to 1.49%, depending on your tier and monthly volume.

Example from Revolut:

If you’re on the Metal plan and your first crypto trade of the month is £70,000, you’ll pay 1.49%. If that moves you to a lower-fee tier, the new rate (e.g. 1.29%) applies only to subsequent trades within 30 days.

Revolut commodity trading fees

Commodity trading fees also depend on your plan:

• Standard plans: 1.5% fee per transaction (buy/sell).
• Paid plans: 0.25% fee per transaction.

Safety and regulation

As we dig into Revolut’s safety, we find a couple of issues.

Since November 2024, Revolut Trading Ltd is itself a firm authorised and regulated by the Financial Conduct Authority (FCA) under FRN: 933846. It is no longer an appointed representative of Resolution Compliance Ltd. As an FCA-authorised investment firm, eligible UK clients of Revolut Trading Ltd are now covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 in respect of investment business, should Revolut Trading Ltd become insolvent.

However, as stated by the FSCS, “This doesn’t necessarily mean that your money isn’t safe, as these firms are still regulated by the Financial Conduct Authority (FCA), but it does mean you won’t benefit from our quick and easy compensation service. Your money could be tied up for a while during the insolvency process if something happened to your provider, which might be a problem for you”.

Below, we explore how your money and investments are protected.

Money protection

The internal and external procedures to ensure the protection of your money will depend on the Revolut entity you are registered to.

• Revolut Bank UAB (most EEA clients): Deposits are protected by the Lithuanian Deposit Insurance Scheme up to €100,000 per depositor.
• Revolut Ltd / Revolut NewCo UK Ltd (UK): Following Revolut’s full UK banking authorisation (granted in 2024 and operational from 2025), UK deposit accounts are migrating to Revolut’s UK bank entity, with FSCS protection of up to £85,000 per depositor on deposit accounts. E-money balances that have not yet migrated remain held under FCA’s safeguarding rules (segregated, not FSCS-protected).
• Revolut Securities Europe UAB (EEA investments): Investment protection up to €22,000 under the Lithuanian Law on Markets in Financial Instruments.
• Revolut Trading Ltd (UK investments): Investment protection up to £85,000 under the FSCS.

You can check which one you are registered to in the app if you click on the icon with your name and scroll down:

In summary, the client’s funds are held in segregated accounts in both subsidiaries, which means that, in theory, you are safe if Revolut goes bankrupt because Revolut creditors will have no claim to your money or investment assets.

Still, there is no regulatory body to guarantee your investments, it is possible you could lose everything in a worst-case scenario (e.g., fraud).

Investment protection

The company responsible for providing custody and trading services for EEA clients of Revolut is Revolut Securities Europe UAB (“RSEUAB”), which executes your orders and safekeeps your shares and ETFs. RSEUAB uses third-party executing brokers (historically DriveWealth LLC, with additional partners for EU/UK securities since the expansion to non-US instruments); each is subject to its home regulator.

Still, it falls under the US federal regulation by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). So if something happens to Drivewealth LLC, investors of RSEUAB are protected, in aggregate (not individually), up to $500,000 (including up to $250,000 cash) under the Securities Investment Protection Corporation’s (SIPC) insurance.

As previously stated, the fintech keeps the client’s assets in an omnibus account across several exchanges. The same method is used with Gold and Silver.

Revolut has an account as a member of London Precious Metals Clearing Limited, where all Gold and Silver bought by their clients is stored. This is a normal procedure in the brokerage industry.

On cryptocurrencies, the protection environment remains weaker than for traditional financial instruments. Although the EU’s Markets in Crypto-Assets (MiCA) regulation has entered into force, providing some new investor protections at EU level, Revolut still notes that crypto holdings are not covered by deposit guarantee schemes or investor compensation schemes.

Cryptocurrencies are not e-money, and historically in the UK, they were regulated by the FCA only for AML/CTF purposes; the FCA’s new financial promotions regime now applies to crypto promotions to UK retail customers.

In Lithuania, they are not regulated by the Bank of Lithuania. When you buy cryptocurrency through the Revolut App, it will not be protected by the Financial Services Compensation Scheme (FSCS) or the Lithuanian Deposit Insurance Scheme, and if you have a complaint, it is not likely to fall within the scope of the jurisdiction of the Financial Ombudsman Service (FOS)”. (our emphasis)

If RSEUAB becomes insolvent and your money cannot be returned to you, it is protected up to EUR 22,000 under the Law on Markets in Financial Instruments of the Republic of Lithuania. More information here.

Supported countries

Currently, Revolut accepts new customers from EEA countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden), the United Kingdom, Switzerland, United States, Australia, New Zealand, Japan, Singapore, Brazil, and is rolling out in India, Mexico and Colombia. Trading availability still varies by country; check the local Revolut site for confirmation.

However, Revolut Trading is only allowed in certain countries, such as EEA countries, the United States of America, and the UK – you can verify this by checking your country’s Revolut website.

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

Revolut alternatives

Bottom line

Revolut is increasingly gaining traction due to its large target audience, and Revolut Trading makes it an excellent product for cross-selling.

Since the platform is hassle-free and you do not need a finance degree to navigate it, it becomes appealing for someone just starting their investment journey.

The low availability of financial products will not be a drawback initially. Still, as you progress in your investment knowledge, you might feel the need to diversify your investments to other products (maybe Revolut will include a broader basket of asset classes later on!).

In addition, we feel that Revolut’s money and investment section is not well explained in their “terms & conditions”, so please be aware of the above-mentioned issues.

All in all, if your primary concern is finding an easy-to-use mobile app with low trading fees (including free trades), Revolut might be your partner.