Revolut Review
Award-winning UK digital bank with built-in crypto trading — the easiest way to buy Bitcoin alongside everyday banking.
Quick Verdict: Revolut for UK Users
The Ultimate Convenience Play — Crypto in Your Banking App. Revolut is the most convenient option for UK users who want crypto integrated into their everyday banking app. With 70M+ customers and a 4.6 Trustpilot score, it excels at user experience. Standard plan fees (1.49-1.99%) are high, but Revolut X offers advanced trading from 0% maker fees. Best for casual investors who value simplicity over advanced features.
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Pros
- All-in-One Banking: Trade crypto directly from your GBP bank balance alongside everyday spending, stocks, and FX.
- FCA Authorised: E-money institution authorised by the FCA with a UK banking licence in mobilisation phase.
- 220+ Cryptocurrencies: Broad selection rivalling dedicated crypto exchanges.
- Revolut X: Separate advanced trading platform with 0% maker fees and 0.09% taker fees.
- Award-Winning: Named World Best Digital Bank 2025 by Euromoney.
- Massive User Base: 70M+ customers globally — strong liquidity and a proven platform.
Cons
- High Standard Fees: 1.49-1.99% per trade on the standard plan — significantly more expensive than dedicated exchanges.
- Limited Crypto Features: No staking on standard plans, limited withdrawal options, and no advanced trading on the main app.
- Crypto Not FSCS Protected: Unlike fiat deposits (safeguarded under e-money regulations), crypto has no deposit protection.
- Premium Features Locked Behind Subscriptions: Best crypto rates and features require Premium (£7.99/mo) or Metal (£14.99/mo) plans.
- No External Wallet Support on Basic: Standard users cannot send crypto to external wallets, limiting self-custody options.
Who Should Use Revolut in the UK?
Best For
- •Casual investors who want crypto within their everyday banking app
- •Beginners who value the simplest possible buying experience
- •Existing Revolut users looking to diversify into crypto without a new account
Not Best For
- •Cost-conscious traders — standard plan fees of 1.49-1.99% are among the highest
- •Users wanting self-custody or external wallet transfers on free plans
- •Advanced traders needing professional tools (use Revolut X instead)
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Revolut Fees - What UK Users Should Know
Standard plan: 1.49-1.99% per crypto trade. Plus plan (£3.99/mo): Reduced rates. Premium plan (£7.99/mo): Further reduced rates and additional crypto features. Metal plan (£14.99/mo): Best rates and full feature access. Revolut X (separate platform): 0% maker / 0.09% taker. No separate deposit fees since you trade from your bank balance. Fiat-to-crypto conversion carries the spread fee. Crypto withdrawal fees vary by asset.
Is Revolut Safe?
Revolut is FCA-authorised as an e-money institution and is in the process of obtaining a full UK banking licence. Client fiat funds are safeguarded under the Electronic Money Regulations 2011, meaning they are held separately from Revolut's own funds. The app uses bank-grade encryption, biometric authentication, and real-time fraud detection. Revolut employs 3D Secure for card transactions and allows users to freeze/unfreeze their cards instantly. However, crypto holdings are not FSCS-protected, and as with all platforms, crypto assets carry inherent risk.
FCA Regulation
Revolut Ltd
900562
08804411
E-money institution (authorised)
Revolut is authorised with the Financial Conduct Authority in the UK. This means it has met the FCA's requirements for anti-money-laundering compliance and is legally permitted to offer cryptoasset services to UK consumers. Note that FCA registration does not mean your crypto is protected by the FSCS.
Our Aggregated Score Breakdown
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About Revolut
Revolut has fundamentally changed how millions of UK users interact with cryptocurrency. By embedding crypto trading directly into a banking app that people already use daily, it has removed virtually all friction from the buying process. There is no separate account to set up, no new app to download, and no fiat deposits to transfer — you simply buy crypto from your existing GBP balance. This convenience comes at a cost. Standard plan fees of 1.49-1.99% are roughly 6-8x what you would pay on Kraken Pro. For someone buying £100 of Bitcoin once a month, the difference is marginal. For someone investing £1,000+ regularly, the premium becomes significant. Revolut X addresses this for advanced users with near-zero fees, but it is a separate app with a different experience. Revolut excels as an on-ramp for crypto beginners and casual investors. Power users will eventually outgrow it.
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