Revolut review: the mobile bank that puts everything in one place

Whether you're traveling, shopping online or sending money abroad, you always hit the same pain points: exchange fees, hidden charges, endless paperwork. Revolut promises to fix all of it from a single app. Does it deliver? Here's our review, after several weeks of daily use.

Onboarding of disarming simplicity

The first thing that stands out is how smooth it is. You open your account entirely from your phone, in minutes, with no branch appointment. No paperwork, no endless proof of identity.

Once installed, everything is a tap away: check your balance, freeze your card, open a currency account… Every action takes two or three taps at most. Even someone uncomfortable with banking apps finds their way in minutes.

Everything in one place

This is Revolut's biggest strength: centralization. Current accounts, cards, budgeting, savings, investments, crypto, travel insurance… all gathered in one clean, consistent interface.

No more juggling three apps and a paper statement. You track spending in real time, sorted by category, with custom alerts. Budgeting is automatic: you always know where your money goes, with zero effort.

Concrete everyday benefits

Revolut really shines on the financial perks:

• Zero foreign fees: pay in foreign currency with no exchange fees, at market rates. A real plus for travelers.
• Multi-currency account: hold and exchange dozens of currencies instantly, at the interbank rate.
• Effortless money transfers: sending money, even abroad, takes seconds and costs little.

Whether you're a cross-border commuter, an expat or just a traveler, these three points alone justify signing up.

RevPoints: a loyalty program that actually pays

Revolut goes beyond banking with its RevPoints program. Every eligible purchase earns points, convertible to airline miles (1 point = 1 mile) with 40+ airlines.

What makes it interesting are the multipliers:

• Up to ×10 on stays booked through the app;
• Up to ×20 on purchases through the built-in shopping portal.

The result: you stack points far faster than with a typical program, then turn them into miles to fund your next trips. A rare perk at this price point.

The sore point: crypto split off into Revolut X

It's not all perfect. To manage cryptocurrencies, you now have to install Revolut X, a separate app. Before, one app handled everything, crypto included.

It's a step back in simplicity: you lose the very centralization Revolut touts on this specific topic. Nothing deal-breaking if you don't touch crypto, but an annoyance for those who used it daily.

Verdict

Revolut delivers on the essentials: simplicity, centralization, zero foreign fees and a generous loyalty program. The only real caveat is crypto, now split off into a separate app.

🌟 Want to try it? Sign up with my referral link and get a welcome bonus of up to €60 (amount varies with the current offer).