Revolut is more than just a bank or a trading app. It is an all-in-one financial platform that lets users manage money, make payments, and invest using a single mobile app. With Revolut, you can trade stocks, ETFs, commodities, and cryptocurrencies without using a traditional broker. In this Revolut trading review, we explain how Revolut investing works, its fees, available assets, regulations, and whether it is a good choice for investors in 2026.
Pros and cons of Revolut broker
| Pros of the Revolut broker | Cons of the Revolut broker |
|---|---|
| Regulated in major regions are FCA, SEC & FINRA, MAS. | No demo account available. |
| £0 minimum deposit and free standard plan. | No MT4 or MT5 trading platforms. |
| Commission-free stock and ETF trades within limits. | Limited FSCS protection in the UK. |
| Access to 4,000+ stocks & ETFs, fractional shares | No leverage or advanced pro-trading tools. |
| All-in-one app banking + investing + crypto. | Fees apply after free trade limits. |
| Strong security 2FA, biometrics, encryption. | No negative balance protection. |
Broker summary
- Regulations: FCA, SEC & FINRA, MAS
- Founded year: 2015
- Financial assets: Stocks, ETFs, cryptocurrencies, commodities
- Minimum deposit: £0
- Trading platforms: Revolut App, Revolut X
- Account types: Standard, plus, premium, metal, ultra
- Demo account: Not available
- Headquarters: London, UK
- Customer support: 24/7 in-app chat, email, automated phone line, help centre
Revolut broker regulations
Revolut is regulated differently in different countries.
- UK: Revolut Trading Ltd is FCA-regulated for shares and ETFs. Revolut Ltd holds a UK banking licence, but it is in a restricted/mobilisation stage, so FSCS deposit protection for e-money accounts is not yet active.
- USA: Revolut Securities Inc. is regulated by the SEC and FINRA and covered by SIPC (up to $500,000, including $250,000 cash).
- EU (EEA): Revolut Securities Europe UAB is regulated by the Bank of Lithuania. Crypto services operate under MiCA via CySEC.
- Singapore: Revolut Securities Singapore Pte. Ltd is regulated by MAS for securities trading.
Revolut brokerage security measures
- Account and access: Two-factor authentication, biometrics, strong passwords, device control.
- Payments and transfers: Virtual/disposable cards, real-time alerts, fraud detection, 3D Secure, encrypted transactions, AML compliance.
- Trading and crypto: Encrypted systems, segregated client funds, cold storage for crypto, GDPR-compliant data protection.
- Compensation: UK FSCS not yet active for e-money accounts, EU (EEA) investor compensation up to €20,000; USA SIPC up to $500,000 including $250,000 cash.
- Negative balance protection: Revolut does not offer formal negative balance protection. Negative balances may occur due to fees, chargebacks, or failed payments, not leveraged trading losses.
How to open a Revolut brokerage account
You can open a Revolut account in just 7 steps.
#1 Download the Revolut app (Android / iOS).
#2 Sign up with your mobile number and email.
#3 Verify your identity and upload ID + selfie.
#4 Open the app and go to invest / stocks.
#5 Accept the trading terms and choose a plan.
#6 Add funds via bank transfer or card.
#7 Start buying stocks, ETFs, or crypto.
Revolut plans
Revolut offers five main plans that determine how many free trades you get, your perks, FX allowances, limits, and additional benefits:
Standard
- Cost: £0 / Free.
- Commission‑free trades: 1 per month.
- Basic access to trading and investing.
- Standard currency exchange limits and FX rates.
- Best for beginners and casual users.
Plus
- Cost: £3.99 per month.
- Commission‑free trades: 3 per month.
- Higher trade allowances than standard.
- Better FX limits and basic extra benefits.
- Good for casual investors.
Premium
- Cost: £7.99 per month.
- Commission‑free trades: 5 per month.
- Unlimited currency exchange from Mon to Fri.
- Travel perks and priority support.
- Ideal for regular traders and multi‑currency users.
Metal
- Cost: £14.99 per month.
- Commission‑free trades: 10 per month.
- Cashback on selected spend.
- Higher limits and enhanced travel benefits.
- Great for active traders and travellers.
Ultra
- Cost: £55 per month.
- Commission‑free trades: 10+ per month.
- Best FX rates and highest limits.
- All premium benefits, including airport lounge access and priority support.
- Best for high‑frequency traders and power users.
Revolut assets types
Revolut allows you to hold and trade multiple asset types:
- Stocks and ETFs: 4,000+ UK, US, EEA stocks and ETFs. Fractional shares available.
- Cryptocurrencies: 280+ tokens, including Bitcoin, Ethereum and stablecoin conversion.
- Commodities: Price-linked exposure to gold, silver, platinum, and palladium not exchange-traded or FCA-regulated in the UK
- Fiat / Forex: Hold and exchange 30+ currencies at real FX rates from Mon to Fri.
Revolut trading platforms
Revolut is app-based, not MT4 / MT5.
- Revolut App: Buy/sell stocks, ETFs, crypto, commodities. Simple interface for mobile and web.
- Revolut X: Advanced crypto trading platform with charts, limit/market orders, and 100+ crypto pairs.
Revolut brokerage fees
Revolut brokerage fees vary by plan and asset type, with free trades available within monthly limits.
Extra trades (Stocks / ETFs)
- Standard / plus / premium / metal: 0.25% per trade beyond the monthly free allowance.
- Ultra: 0.12% per trade beyond the monthly free allowance.
Commodities trading
- Fees: 0.49% to 0.99% per trade minimum £1, depending on your plan.
Currency exchange (Mon to Fri)
- Standard and Plus: up to 1%, depending on plan limits.
- Premium, metal and ultra: better or zero-fee limits higher thresholds allow fee-free FX.
Crypto trading
- Crypto fees can be as low as 0% on Revolut X for eligible users; standard app trades usually include spreads or variable fees depending on plan and market conditions.
- Stablecoin conversion between USD and USDT/USDC are free through limits may apply.
Stocks & Shares ISA (UK)
- No custody fees or subscription fees, trades outside the monthly allowance are charged as per standard trading fees
Other possible charges
- Weekend FX markups, third-party crypto transfer fees, inactive/external transfer fees depending on region/product
Deposit and withdrawal methods
- Deposit: Bank transfer, debit/credit card, Apple Pay / Google Pay
- Withdrawal methods: Bank transfer, ATM card withdrawal, and crypto wallet transfer.
- Fees: Deposits and bank withdrawals are usually free, ATM and crypto withdrawals may incur fees depending on plan and network.
Revolut customer support
- In-app chat: 24/7, 100+ languages, fastest support.
- In-app calls: Premium, metal, ultra users only.
- Email: [email protected] (account issues)
- Help centre: Self-service guides and FAQs.
Conclusion
Revolut in 2026 is a modern fintech platform that combines banking, investing, crypto, and currency exchange in one app. With a free standard plan, low trading fees, and access to thousands of stocks, ETFs, and cryptocurrencies, it is a convenient option for beginners and casual investors.
However, Revolut is not a full-featured trading broker. It does not support MT4/MT5, Forex, CFDs, or demo accounts, and investor protection varies by region. Overall, Revolut is best for users who want simple investing alongside everyday banking, rather than advanced trading tools.
Pro Tip
Now that you know about Revolut’s trading services apart from banking, choose your plan that fits your investing and spending needs. Start trading Forex with our best Forex broker and explore investments like CFDs, Crypto, Stocks, and Banking. Subscribe to our newsletters for more updates.
Frequently Asked Questions
1. What is the Revolut Premium monthly fee in 2026?
Revolut Premium is £7.99 per month and comes with perks like 5 free trades every month, unlimited weekday currency exchanges, and priority support.
2. What are the Revolut account types available this year?
The account types of Revolut are standard, plus, premium, metal, and ultra.
3. How much does the Revolut Metal plan cost per month?
The Revolut metal plan costs £14.99 per month and includes 10 commission-free trades each month, cashback on card spending, and premium travel benefits.
4. What is the Revolut stock trading fee in 2026?
Stock trades are commission-free within the monthly free allowance. After that, standard, plus, premium, and metal plans charge a 0.25% fee per trade, while the ultra plan charges a lower 0.12% per trade.
5. Is Revolut good for crypto trading in 2026?
Yes, Revolut offers 280+ tokens, low fees starting from 0% depending on plan and trading volume.
6. Can I trust Revolut with my personal data?
Revolut uses GDPR and global privacy protections, encryption, and security protocols to protect user data, and has a privacy policy explaining data use. Trust depends on user comfort with fintech security practices.
7. Is Revolut a real bank in the UK?
Revolut has received a UK banking licence but remains in a restricted (mobilisation) phase with limits on deposits. Full banking operations are still being rolled out.
8. Can I use Revolut in the USA and Europe?
Yes. Revolut operates in both regions and supports accounts in the United States, the UK, EEA, and many other countries.
