Complete Revolut Bank Review

Opening a Revolut account in the UK is simple: download the app or visit their website, provide your personal details, verify your identity with a government-issued ID, and complete the setup process. The entire process typically takes 5-10 minutes and can be done entirely online.

You'll need a valid government-issued photo ID (UK/EU passport, UK driving license, or EU national ID card) and proof of UK address dated within the last 3 months (bank statement, utility bill, or tenancy agreement). You must be 18+ and a UK resident.

Revolut account verification typically takes 5-10 minutes during business hours. In some cases, it may take up to 24 hours if additional checks are required. Make sure your documents are clear and all information matches exactly.

Yes, you can open a Revolut UK account if you're a legal UK resident with a valid UK address, regardless of your nationality. You'll need acceptable ID (EU passport or national ID card) and proof of UK residency.

Yes, Revolut's Standard account is completely free with no monthly fees, no account opening costs, and no minimum balance requirements. You get free UK payments, a free virtual card, and basic features at no cost.

Revolut offers interbank exchange rates with no markup on weekdays for Plus, Premium, and Metal accounts. Standard accounts have a small weekend markup (0.5-1%). All accounts get much better rates than traditional banks.

The virtual card is free for all accounts. Physical card delivery costs £4.99 for Standard accounts, but it's free for Plus, Premium, and Metal subscribers. You can use the virtual card immediately while waiting for the physical one.

Revolut offers free ATM withdrawals up to £200/month (Standard), £400/month (Plus), £600/month (Premium), or £800/month (Metal). After these limits, there's a 2% fee on withdrawals.

Yes, Revolut is authorized by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (Firm Reference 900562). Your money is protected, and they use bank-level security including 256-bit encryption and real-time fraud monitoring.

Your money is safeguarded under FCA regulations. Revolut keeps customer funds separate from company funds in segregated accounts with major UK banks, so your money would be protected and returned to you.

Enable all security features: biometric login, transaction notifications, location-based security, and spending controls. You can instantly freeze/unfreeze your card in the app, set spending limits, and block certain merchant categories.

Yes, you can add your Revolut card to Apple Pay, Google Pay, or Samsung Pay immediately after account setup. This allows contactless payments even before your physical card arrives. The contactless limit follows UK standards.

Yes, Revolut provides UK account numbers and sort codes, so you can set up direct debits for bills, receive salary payments, and create standing orders just like with traditional banks. It's fully compatible with UK banking systems.

Yes, Revolut is excellent for international use. You get real exchange rates, no foreign transaction fees, and can hold 30+ currencies in one account. It's widely accepted worldwide and perfect for travel.

Standard (free) includes basic banking and limited perks. Plus (£2.99/month) adds travel insurance and better exchange rates. Premium (£6.99/month) includes cashback and priority support. Metal (£12.99/month) offers the metal card and premium benefits.

Yes, Revolut offers commission-free stock trading and cryptocurrency trading directly in the app. You can buy fractional shares, popular cryptocurrencies, and manage investments alongside your banking. Investment features vary by account type.

Yes, Revolut includes advanced budgeting tools, spending analytics, savings vaults with round-up features, and goal-based saving. You can categorize expenses, set spending limits, and get insights into your financial habits.

Cashback is available with Premium and Metal accounts, offering up to 1% cashback on purchases at selected retailers. The cashback categories and rates vary, and you can track earnings in the app.

Revolut provides 24/7 customer support through in-app chat. Premium and Metal customers get priority support with faster response times. You can also find help articles and guides in the app's help section.

You can instantly freeze your card in the Revolut app to prevent unauthorized use, then contact support to report it lost/stolen. They'll send a replacement card, and you can continue using the virtual card or mobile payments immediately.

You can close your Revolut account anytime through the app settings or by contacting customer support. There are no closure fees, and you can withdraw any remaining balance to another account before closing.