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 4.7 Trustpilot score, it excels at user experience. Standard plan fees (1.49%, plus a 1% fair-usage fee above £1,000 a month) 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: Revolut Ltd is an FCA-authorised e-money institution on the cryptoasset register, and Revolut Bank UK Ltd has been a fully licensed UK bank since 11 March 2026 (crypto sits outside the banking licence and FSCS).
- 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, with strong liquidity and a proven platform.
Cons
- High Standard Fees: 1.49% per trade on the Standard plan, plus a 1% fair-usage fee once you exchange more than £1,000 in a month, significantly more expensive than dedicated exchanges.
- Limited Crypto Features: Staking is offered on a handful of assets but Revolut keeps 25–30% of the rewards; withdrawal options are limited and there is no advanced trading in 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% plus a 1% fair-usage fee 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 and Plus plans: 1.49% per crypto trade (falling to 1.29% above £10k and 0.49% above £250k of monthly volume). Standard users pay an extra 1% fair-usage fee on exchanges above £1,000 a month (Plus: 0.5% above £3,000). Premium (£7.99/mo) and Metal (£14.99/mo): 0.99% with no fair-usage fee; Ultra (£55/mo): 0.49%. Revolut X (separate platform): 0% maker / 0.09% taker at every volume. No separate deposit fees since you trade from your bank balance. Staking rewards carry a 25% (ETH) or 30% (other assets) commission. Crypto withdrawal fees vary by asset.
Is Revolut Safe?
Revolut Bank UK Ltd has been a fully licensed UK bank since 11 March 2026, so eligible GBP deposits are FSCS-protected up to £120,000 (the limit since 1 December 2025). Crypto is provided by Revolut Ltd, an FCA-authorised e-money institution on the FCA cryptoasset register, and sits outside both the banking licence and FSCS. The app uses bank-grade encryption, biometric authentication, real-time fraud detection and 3D Secure, and lets you freeze cards instantly. As with all platforms, crypto assets carry inherent risk.
FCA Regulation
Revolut Ltd
900562
08804411
E-money institution (authorised) + cryptoasset register
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.
Revolut Bank UK Ltd has been a fully licensed UK bank since 11 March 2026. Crypto is provided by Revolut Ltd and sits outside the banking licence and 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% (plus a 1% fair-usage fee above £1,000 a month) are roughly 4-6x 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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