Our opinion and full test on the account and revolut card – 2023

Race results: in 2021, Revolut released its first benefits. In 2023, the mobile bank has more than 30 million customers worldwide (including 2.3 million customers in France) and intended to reach 100 million customers by 2025. So why not you as a revolut online bank customer ?

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Does Revolut Business provide credit or overdraft facilities ?

For the moment, we do not offer credit or discovered. The money kept on the Revolut Business accounts does not generate interest.

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€ 8.99/month

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€ 15.99/month

Take advantage of the complete package. Stand out with an exclusive contactless metal card, gain up to 1 % cashback, and much more.

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Experience the exceptional, with exclusive lifestyle advantages, world class trips and a platinum platinum card designed precisely.

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© 2023 Revolut Bank UAB If you want to know more about the Revolut entity that provides you with services, please click here. If you have any other questions, do not hesitate to contact us via instant messaging of the Revolut application.
Revolut Bank UAB is a bank established in Lithuania whose head office is located in Konstitucijos Ave. 21B, Vilnius, 08130, Lithuania, registration number: 304580906, Fi: 70700 code. Revolut Bank UAB is approved by the European Central Bank regulated by the Lithuania Bank. Revolut Bank UAB provides credit, payment, current account and depot accounts.
The insurance distribution service is provided by Revolut Insurance Europe UAB, which is authorized by the Lithuania Bank as an insurance brokerage company. Headquarters: Konstitucijos Ave. 21B, Vilnius, 08130, Lithuania, registration number: 305910164.
Revolut LTD (number 08804411) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Business reference 900562). Headquarters: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD.
Insurance products for Revolut LTD customers are provided by Revolut Travel LTD, which is authorized by the Financial Conduct Authority to exercise insurance mediation services (FCA number: 780586) and by Revolut LTD, a representative designated by Revolut Travel LTD with regard to insurance distribution activities. Investment services in the European Economic Area (“EEE”) are provided by Revolut Securities Europe UAB (Recording number: 305799582, located in Konstitucijos Ave. 21b, Vilnius, Lithuania, LT-08130), which is authorized by the Lithuania bank as a brokerage company.

Our opinion and full test on the account and revolut card – 2023

Presentation of the mobile bank for all revolut

The Neobanque Revolut was in June 2014 by Nikolay Storonsky and Vlad Yatsenko in London.

Their main objective is to be able to offer a bank account accessible to all regardless of your socio-professional category, their income, whether they are banking or not. And that with reduced costs. The promise of Revolut is to offer all the services of a traditional bank without you needing to go to an agency.

Were they visionary ? It seems yes ! Because in 2020, since we knew the health crisis, it has not become necessary to go to a physical bank to speak with your advisor to take stock of his bank account. Because you can have access to all services from a mobile application such as Revolut.

Race results: in 2021, Revolut released its first benefits. In 2023, the mobile bank has more than 30 million customers worldwide (including 2.3 million customers in France) and intended to reach 100 million customers by 2025. So why not you as a revolut online bank customer ?

This is the reason why we offer through this guide and full opinion to provide you with a deep analysis of the entire revolut online bank offer and thus give you objectively The advantages and disadvantages before opening a bank account from your mobile. So find out without further delay everything you need to know about the Revolut bank: Our opinion and full test carried out by our experts !

If you are looking to open an account for professionals, you can consult our Reviews and test on Revolut Business, online bank for companies without movement commissions from Zero Euro !

✅ Advantages to subscribe to the Revolut online bank account

• �� 10 euros offered in partnership with Connectbanque !
• Subscription in less than 5 minutes
• An offer from 0 € without hidden expenses
• Offer without obligation: you can terminate in a few clicks
• Simple and intuitive mobile application to easily manage your available budget on the AppStore and Google Play
• Current account to manage your daily banking operations
• CHOICE CARDS: MasterCard Physical Card, Virtual Card for Payments on the Internet (online) secure, very secure visa metal card where the card and CVV numbers will not be visible or even platinum card (ultra) for profiles higher range.
• Cashback on all your payments worldwide
• Contact and secure payment with Apple Pay and Google Pay
• Customer support whose service is available 24 hours a day and 7 days a week
• Possibility to open a free account for your children aged 6 to 17
• Travel insurance and assistance for your trips abroad
• Revolut accepts banking prohibitions
• Possibility of having a French RIB (IBAN)
• Changing currency at no cost with the possibility of having a multidism account (management of more than 30 currencies)
• Open Banking functionality: Aggregator of bank accounts to manage all your from a single mobile application
• Possibility of investing in raw materials (gold, silver and precious metals from € 1) as well as in stock markets
• Remunerated savings account (soon available)
• Possibility to obtain a consumption credit with Revolut for French customers

❎ Disadvantages of subscribing to the revolut online bank

• Withdrawals of species at no cost worldwide limited to € 200 per month on account free
• The negative point is that there is no discovery authorization for the moment, however, the Revolut bank has taken a first step since May 2023 by offering its customers to make a credit. Other features should be created as deferred payment.

Banking prices and costs of the Neobanque Revolut

Revolut offers 5 offers in the form of a monthly subscription without commitment From 0 € without account holding costs:

• Standard revolut: 0 € per month
• Revolut Plus: 2.99 € per month
• Revolut Premium: 7.99 € per month
• Revolut Metal: 13.99 € per month
• Revolut Ultra (available since June 2023): € 45 per month

Withdrawal fee : In order not to have any withdrawal costs, you should not exceed the authorized monthly ceiling. This ceiling varies depending on your subscription. Beyond this amount, fees of 2 % apply for each withdrawal.

Change currency: For your trips or travel abroad, you benefit from a free currency exchange limited to € 1000/month on the offers of standard revolut cards and more. Beyond this ceiling, exchange costs up to 0.5 % apply. On offers of Premium and Metal revolut cards, free exchange costs is unlimited.

�� Withdrawal and payment limit ceilings with the revolut card

Revolut account cards do not have any payment ceiling unlike certain traditional banks which have a payment limit. Regarding withdrawal ceilings, each card has a low-cost withdrawal limit, beyond this limit, costs of 2% will be applied for each withdrawal.

✔️ Standard revolut:
Withdrawal ceiling: up to 200 € per month and 5 withdrawals per month at no cost.

✔️ Revolut Plus:
Until 200 € per month at no cost.

✔️ Revolut Premium:
Until 400 € per month at no cost.

✔️ Revolut Metal:
Until 800 € per month at no cost.

✔️ Revolut Ultra:
Until € 2,000 per month at no cost.

☑️ Reviews on the Revolut Bank of Connectbanque experts

After a full test to write this notice, we can confirm that the Revolut Neobanque is reliable and accessible to all. It represents a real alternative to traditional banks For those who want to save on the cost of their bank or not undergo an increase in bank charges with hidden costs.

Revolut is one of the Best mobile banks for Connectbanque, because, first of all, you can Subscribe for free and without commitment in a few minutes. This is a guarantee of transparency which proves that they have nothing to hide. In addition, they go even further, they even offer Cashback for all your purchases at 0.1% in Europe and 1% in the rest of the world With their Revolut Metal offer. Depending on our opinion, this makes it possible to quickly reduce the cost of the subscription when you are traveling abroad.

We also love, The choice of payment cards offered to customers. You will have from the free offer, the possibility of having a Mastercard bank card allowing you to withdraw money and make your purchases. You will also be able to opt for virtual cards in order to make online purchases securely. Revolut Metal subscribers will be holders of a secure metal card, whose figures of the bank card as well as the visual cryptogram are not visible on the card (only available on the mobile application).

Finally but not least, The revolut card is perfect for travelers Because it allows to make withdrawals worldwide at no cost and not to undergo the exchange of currencies when you are abroad. You will be able to open several accounts in the motto of your choice. On date, Revolut offers more than 30 currencies. For complete management of your money in France and abroad, Revolut gives you the opportunity to aggregate all of your bank accounts from their mobile application. This feature of an aggregator of bank accounts that the neobank simply appointed: Open Banking will allow you to manage all of your bank flows from a single interface.

Suddenly, the only things where it will be careful are your expenses and withdrawal ceilings that will be accessible in the mobile application in real time.

To finish this opinion, Revolut does not offer No overdraft authorization, This is a criterion not to be overlooked for managing your bank account. Nevertheless, Revolut has just communicated on the possibility of obtaining a credit for customers from the Revolut account in France from May 31, 2023, Which allows him to be less considered as a neobank but as a full -fledged bank.

With this recent development, Revolut went from payment to credit institution in 2023. We can therefore say that the famous neobanque begins to become a real online or mobile bank. It now still has to offer, all so -called “popular” savings products offered by other online banks, such as the booklet A which pays 3% until 2025 or LEP at the rate of 6% including the ceiling will be brought back to 10,000 euros during the summer of 2023. Financial products such as life insurance, the Savings Retirement Plan or the PEA also lack the call.

However, Revolut already offers an alternative, the bank already offers to reversed on the stock market with a securities account in order to invest in shares or FNB (negotiated funds on the stock market). A paid savings account is already available for taxpayers of the United Kingdom as well as a remunerated account in USD American currency for holders of a Revolut Plus, Premium, Metal and Ultra account. You also have the possibility of investing in raw materials such as gold, money and other precious metals.

�� Zoom and opinion of the free revolut account and associated bank cards: withdrawals, rib, cashback, insurance, discovered.

With their desire to meet the needs of all portfolios and target all socio-professional categories, Revolut offers a large offer in order to satisfy all people who want to reduce their bank charges whether you are in a relationship or not, with or without children.

All bank cards are with systematic debit which means that the transaction will be accepted only if your balance allows, therefore You do not have the right to overdraft. You can consult your balance in real time, whether in France or abroad via your secure mobile app. This system is very effective in controlling its budget. However, failing to have no discovery, Revolut gives the possibility of making a credịt !

In addition, in order to manage your currency according to your profile, the Revolut neobanque gives you access to different types of cards (standard, plus, premium, metal and ultra). These cards will give you access to insurance For your trips or against life and accidents in life, services, cashback, etc..; All this from your mobile application. We invite ourselves to consult the different offers to select the best account according to your case.

⭐ Customer reviews on Revolut Bank

First, to refine our opinion, we watched the reviews (review) Revolut customers in 2023:

• A note from 4.3 out of 5 on more than 136,000 customer reviews On the recognized notice platform Trustpilot;
• A note from 4.9 out of 5 On the AppStore on more than 168 00 reviews;
• A note 4.5 out of 5 On Google Play on more than 2 million opinions.

In addition, in order to manage your currency according to your profile, the Revolut neobanque gives you access to different types of cards (standard, plus, premium, metal and ultra). These cards will give you access to insurance for your trips or against theft and accidents of life, services, cashback, etc …; All this from your mobile application. We invite ourselves to consult the different offers to select the best account according to your case.

Standard revolut review, free offer

You can subscribe to the offer at 0 € without income condition, without commitment, the characteristics of which are as follows:

• A bank account and IBAN EURO
• A MasterCard payment card
• Shipping costs of the bank card in standard delivery to 4.99 € (La Poste cost)
• Withdrawal up to € 200/month (beyond, 2 % fees apply for each withdrawal operation)
• Possibility to have a free junior revolut bank account for young people aged 10 to 17
• International payment and in the motto of your choice
• Change currency at no cost up to € 1,000/month. (beyond, 0.5 % costs apply)
• Possibility of investing in raw materials (gold, silver and precious metals from € 1)

Revolut Plus review

With offer plus, Revolut gives you a little more advantages than the standard offer, especially on insurance. A 2.99 €/month, you will also have:

• Priority access to customer support 24 hours a day and 7 days a week
• Standard delivery of your free bank card
• A customizable mastercard payment card
• Possibility to have 2 free revolut junior bank accounts for young people aged 6 to 17 with exclusive junior features
• A coverage (insurance) against flights and accidents up to 365 days within the limit of € 1,000/year
  • Refund on shows of shows, sportsmen, concerts, etc. within the limit of € 1,000/year
  • Reimbursement on the non-satisfaction of a purchase (up to 90 days after purchase) within the limit of € 1000/year

  Revolut Premium review

  On this offer, Revolut gives you access to premium services and even more advantages:

  • Withdrawal up to € 400/month at no cost. (Beyond, 2 % fees apply for each withdrawal operation)
  • Unlimited international transfers and 1 free swift transfer
  • Express delivery of your free bank card
  • Coverage against flights and accidents up to 365 days within the limit of € 2,500/year
  • Refund on shows of shows, sportsmen, concerts, etc. up to € 2,500/year
  • Reimbursement on the non-satisfaction of a purchase (up to 90 days after purchase) within the limit of € 2,500/year
  • Unlimited ephemeral virtual cards to make your internet purchases safely
  • Remained savings account in American currency at the annual rate of 4.25% maximum
  • Change currency at no cost in unlimited
  • Medical insurance abroad or for winter sports
  • Insurance for luggage and delayed flights
  • Free access to smartdelay salons for you and another person from 1 hour behind your flight
  • Insurance on your smartphone at reduced prices on falls, breakages, broken screens, water damage and out of warranty. It does not take into account the loss or theft

  Revolut metal review

  The Revolut Metal offer, as its name suggests, it is first of all a metal bank card where you have all the advantages linked with this type of card as well as high -end services for a competitive rate of 13.99 €/month. Discover the main services related to this offer where you will have for your money:

  • An exclusive revolut metal card
  • Withdrawal up to € 800/month at no cost (beyond, 2 % fees apply for each withdrawal operation)
  • Cashback on all your payments worldwide
  • Possibility to have 5 free revolut junior bank accounts for children and adolescents aged 6 to 17 with exclusive junior functionalities
  • Coverage against flights and accidents up to 365 days within € 10,000/year
  • Refund on shows of shows, sportsmen, concerts, etc. up to € 10,000/year
  • Reimbursement on the non-satisfaction of a purchase (up to 90 days after purchase) within the limit of € 10,000/year
  • Free access to smartdelay salons for you and 3 other people from 1 behind your flight

  Revolut Ultra review

  The Revolut Ultra offer offers all the advantages of an ultra high -end card at a competitive price of € 45/month for large travelers where you will be entitled to:

  • A Platinum Revolut Card (or Platinum)
  • Withdrawal up to € 2,000/month at no cost (beyond, 2 % fees apply for each withdrawal operation)
  • No costs on international transfers (Swift)
  • 10% cashback on accommodation !
  • Access to airport salons unlimited in France and abroad
  • Cancellation travel insurance
  • Insurance for personal civil liability covering up to € 1,000,000
  • 10 stock market operations per month without commission

  How to open a free revolut bank account ?

  Nothing could be simpler, you can open Your bank account in 5 minutes by downloading the application on Google Play or the App Store.

  What is important to remember is that you do not need proof of address But only an identity document confirming your name, first name, date of birth, etc. as well as a selfie taken photo. These two elements are important in order to fight against fraud.

  Everything is done from the mobile application, because once you have informed your phone number, you will receive a link by an SMS to obtain the Revolut application from the AppStore or Google Play.

  Then, you just have to choose from the 5 non-binding offers that we described below:

  • Standard revolut account completely free
  • Revolut account more at the monthly cost of € 2.99
  • Premium revolut account at the monthly cost of € 7.99
  • Revolut metal account at the monthly cost of € 13.99
  • Ultra revolut account at the monthly cost of € 45

  After a minimum first payment of € 10, you can Instantly use your Revolut mobile account and immediately make your purchases using contactless payment from Google Pay and Apple Pay while waiting to receive your Mastercard bank card with systematic debit whose shipping costs will cost you 4.99 € if you take the free account. Otherwise, there are no shipping costs on higher offers.

  How to open a free junior revolut bank account for those under 18 ?

  When you hold a revolut bank account, you can open a free associated bank account in a few clicks for your children or the people of whom you are the tutor or the tutor.
  To open a free junior revolut account, the young person must be between 6 and 17 years old and he has a smartphone to download the mobile application so that he can manage his pocket money.
  The Revolut minor account is necessarily attached to an adult who is the parent or the tutor. If you do not have a revolut account yet, we invite you to create one, then to open the account for the young person whose responsibility you have.
  Then as a Revolut free account, you can only open one revolut account free of charge for the minor.
  If you want to open several accounts and bank cards freely revoluts your children and/or adolescents you are responsible for, it is necessary to opt for the paid paid accounts.

  • With Revolut Plus and Premium accounts, you will be entitled to 2 free Revolut Junior accounts
  • With the Revolut Metal and Ultra accounts, you will be entitled to 5 free Revolut Junior accounts

  Once the Revolut Junior account has been open, you will have access to your children’s accounts where you can:

  • Give them a secure means of payment
  • Visualize their expenses whether they are in France or traveling abroad
  • Send them money instantly
  • Support them in their savings through shared chest functionality

  How to invest, save your money with Revolut and its safe ?

  It is simple, by opening a bank account with Revolut, you will have the opportunity to invest by buying raw materials (gold, money and precious metals) as well as shares & FNB (funds negotiated on the stock market) from € 1 only. You can consult the course of these different metals as well as the scholarship prices in real time. In addition, using the automatic exchange function, you can sell and buy at any time at the desired price.

  We still remind you that there is a risk of capital loss by investing in these stock market products.

  Revolut also gives you the opportunity to open chefs to save. You will be able to supply this trunk with your investments in raw materials and the rounded function (which allows you to put money aside by rounding your transactions). The chests are available in more than 30 currencies.

  You will also have the possibility of creating boxes shared with other holders of the Revolut card (friends, families, etc. ) in order to carry out common projects.

  Finally, Revolut prepares the launch of a savings account in France. This is already the case for taxpayers living in England with a paid savings account in Sterling Book. From the Revolut Plus account, you can already have a remunerated US dollar account (USD). But this, it really was worth it, knowing that we have savings book in France which pays up to 6% such as LEP (popular savings book).

  Do I have to declare my revolut bank account to taxes ?

  To conclude, of course, we can give an excellent opinion on the Revolut bank which continues to provide new banking services to satisfy its 30 million customers. However, it is important to remind you that it is compulsory to declare your revolut bank account to the French authorities because the latter is of British nationality.

  It is at the time of your tax declaration as stipulated Article 1649 A of the General Tax Code that you will have to declare your account abroad under penalty of a fine. French banks do it systematically, which is not the case for banks domiciled outside France, despite that Revolut offers a French RIB.

  Revolut: how to effectively manage your money to no longer find yourself in the open ?

  

  You are often uncovered at the end of the month ? You find it difficult to follow your expenses or define and properly apply a budget ? Rest assured, there are many tools to keep you easily easily. An application like Revolut allows you to manage all your finances from the same place, while making your life easier with its many budgeting tools, and many other advantages !

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  With the Revolut application, define monthly budgets and never be uncovered again

  To establish an effective budget, you must have a plan and this is where the “Super-app for payment” revolut enters the scene. We recommend that you try the 50/30/20 budget, because it is one of the easiest and most effective to follow.

  In short, the 50/30/20 approach suggests that you distribute your income as follows:

  • 50 % go to the needs of basic necessity, such as food, housing, public services, insurance, etc.
  • 30 % are devoted to needs such as restaurant meals, clothing purchases, leisure, etc.
  • 20 % are devoted to savings or reimbursement of debts.

  And just like you follow the calories when you diet, you need to follow your expenses closely. Use a tool like the revolut budget planner to help you establish a monthly budget and follow and classify your expenses.

  The Revolut application analysis tools section allows you to configure a whole budget a lot to allow you to keep the course. From food races to transport, through health and leisure, you can follow the details of your expenses in each category, and we will prevent you if you are approaching the limit you have set for yourself.

  Manage your invoices and save money with the Revolut application

  The Revolut Pocketball Functionality allows you to transfer each month, at the time of your pay, for example, the total amount of your recurring invoices (video on demand platform, phone package, electricity etc.) in a dedicated “pocket”. Your invoices will be directly deducted from this under account, so that the balance of your main account indicates that the money that you can actually spend during the month, without risking unpaid invoices.

  With revolut chests, you can create sub-accounts to finance specific projects (holidays, new computer, save for sales, etc.)). These sub-accounts are separated from your main account, so you are not likely to spend the money that is involuntarily. You can supply your chests by recurrent automatic transfer, occasionally, or even decide to round each of your payments by card, the difference being automatically paid in the trunk of your choice. Your money stored in revolut chests is of course available at any time if necessary.

  Hotel booking, change of motto, Revolut accompanies you during your vacation

  While searching well, it is very often possible to obtain discounts on your online purchases. To allow you to make the most of your money, Revolut has launched the Rewards program by associating with dozens of major brands in order to offer you discounts throughout the year. Food, fashion, cosmetics, mobile telephony and many other categories are available, and you benefit from discounts up to 40 % directly within your Revolut application !

  In addition to incredible discounts, Revolut will accompany you everywhere, winter and summer. The holidays are there, and you may have planned to go abroad. To take full advantage of your well -deserved vacation, do not leave the hidden costs of currency, withdrawal or payment spoil your trip. With your revolut card, you always pay in the local currency with one of the best exchange rates on the market, without hidden costs. You can even do your exchange yourself in the application and have 30 different currencies within the application.

  In addition, the Revolut Stays feature allows you to book your vacation accommodation all over the world directly from your application, and even offers you up to 10 % cashback on the amount of your reservation. What offer you an additional little pleasure during your vacation !

  Take advantage of modern technology and make your life easier with tools designed to help you manage your money effectively, all in a unique application by opening an account for free with Revolut !

  Contents designed and offered by Figaro Services. The writing of the Figaro did not participate in the realization of this article.