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Revolut Review

Investing Brokers

June 22, 2026

Comprehensive Review of Revolut as a Financial Platform and Brokerage

Revolut has rapidly grown from a simple financial app offering foreign exchange services into a robust, multi-functional financial platform. In addition to its core banking features, Revolut provides access to trading, investments, and a variety of advanced financial tools, making it a noteworthy option for individuals exploring brokerage services. In this review, we will delve deep into the features, pros, cons, and nuances of Revolut as a brokerage, highlighting its strengths, weaknesses, and how it compares to more traditional brokerage platforms.

Introduction to Revolut

Revolut, founded in 2015, initially gained attention for its fee-free currency exchange and global spending features. Over the years, it has expanded its offerings to include banking services, crypto trading, commodities, and equity investments, transforming it into a one-stop financial platform. It now caters to a diverse audience ranging from travelers and small business owners to investors looking for an easy and user-friendly way to trade.

Revolut operates through a mobile-first approach, emphasizing simplicity, efficiency, and transparency. Its brokerage features are relatively new but have drawn significant attention due to the platform’s extensive user base and low-cost structure. Here’s a breakdown of everything Revolut offers in its brokerage services:

Brokerage Features

1. Stock Trading

Revolut offers stock trading functionality directly from its app. Users can access a wide range of stocks, primarily focusing on the U.S. market. The trading feature is designed for simplicity, catering to novice investors rather than seasoned traders. Below are some detailed aspects of its stock trading service:

Access to U.S. Stocks

• Markets Covered: Revolut primarily allows trading of U.S.-listed stocks from exchanges such as the NYSE and NASDAQ. Unlike other platforms that offer access to global markets, Revolut’s focus is relatively narrow.
• Fractional Shares: Users can buy fractions of shares, making it possible to invest in high-priced stocks like Tesla or Amazon with as little as $1. This democratizes access to high-value stocks, especially for new or budget-conscious investors.

Free Trades

• Revolut offers a limited number of commission-free trades depending on the subscription tier. For example:
  • Standard Plan: 1 free trade per month.
  • Premium Plan: 5 free trades per month.
  • Metal Plan: 10 free trades per month.
• After exceeding the free trade limit, a small fee of $1 per trade is charged, along with a 0.12% custody fee annually.

Order Types

• Revolut supports basic order types, including:
  • Market Orders: Buy or sell a stock at the current market price.
  • Limit Orders: Buy or sell a stock at a specific price or better.
  • Stop Orders: Place an order when a stock reaches a particular price level.

This selection of order types is sufficient for basic trading needs but lacks the sophistication required for advanced strategies.

2. Cryptocurrency Trading

Revolut’s foray into cryptocurrency trading has been one of its standout features, enabling users to buy, sell, and hold over 90 cryptocurrencies. Here’s a closer look:

Supported Cryptocurrencies

• Revolut supports a wide range of cryptocurrencies, including major coins like Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Ripple (XRP), as well as lesser-known altcoins.
• The platform frequently updates its list of supported coins, reflecting the dynamic nature of the crypto market.

User-Friendly Interface

• The trading interface is clean, intuitive, and perfect for beginners. Users can view live prices, historical performance charts, and allocate funds within seconds.

Transaction Fees

• Revolut charges a percentage-based fee for crypto transactions. These fees vary based on the user’s subscription tier:
  • Standard and Plus plans: 1.99% fee.
  • Premium and Metal plans: 1.49% fee.
• Unlike specialized crypto exchanges, Revolut’s fees are slightly higher, but the simplicity and convenience of trading directly within the app compensate for this.

Custody and Wallets

• Revolut acts as a custodian, meaning users do not have direct access to private keys. This can be a downside for security-conscious crypto enthusiasts who prefer self-custody wallets.

3. Commodities Trading

Revolut enables trading in commodities such as gold and silver, which is a unique feature for a platform primarily focused on banking and retail trading. Here are the details:

Gold and Silver

• Users can invest in precious metals by buying fractions, allowing them to diversify their portfolio without needing a significant initial investment.
• The prices are tied to the live market rates, and users can trade during market hours.

Fees

• Revolut applies a 0.25% markup for Metal plan users and 0.50% for other plans on each trade.

Storage

• Although users don’t physically own the metals, Revolut stores the equivalent amount of gold and silver in secure vaults.

4. Subscription Plans and Their Impact on Brokerage

Revolut offers four subscription tiers, each with varying levels of brokerage-related benefits:

Standard (Free)

• Limited to 1 free stock trade per month.
• Higher fees on crypto trades and commodities.
• Basic features with no premium benefits.

Plus

• Slightly more features than Standard but retains most of the same fee structures.
• Targeted at users wanting minor additional benefits like customer service priority.

Premium

• 5 free stock trades per month.
• Lower fees for cryptocurrency and commodities trades.
• Enhanced customer support and additional lifestyle perks like travel insurance.

Metal

• 10 free stock trades per month.
• Lowest fees for crypto and commodities.
• Cashback on card purchases and access to exclusive benefits.

5. User Experience

Mobile-First Design

• Revolut’s app is sleek, intuitive, and ideal for users accustomed to mobile banking. The trading dashboard integrates seamlessly with other financial services, allowing for quick access to both investment and personal finance tools.

Educational Resources

• Revolut includes basic educational tools such as glossaries and tutorials to help novice traders understand key investment concepts. However, these resources are not as comprehensive as those offered by specialized brokerage platforms.

Analytics and Insights

• Users can view portfolio performance, track individual stock performance, and monitor overall investment trends. However, advanced analytical tools and charting options are limited compared to dedicated trading platforms.

6. Security and Regulation

Regulatory Oversight

• Revolut operates under regulatory frameworks in multiple jurisdictions. For example:
  • In Europe, it is licensed as an Electronic Money Institution (EMI) and adheres to strict financial regulations.
  • In the U.S., Revolut partners with licensed brokers for stock trading.

Security Measures

• Revolut employs robust security features such as:
  • Two-factor authentication (2FA).
  • Instant notifications for all transactions.
  • Advanced encryption to safeguard user data.

Investor Protection

• Funds in trading accounts are typically segregated, and Revolut provides limited investor protection through its partnerships with established brokers. However, it lacks the extensive guarantees provided by traditional brokers.

7. Pros and Cons of Revolut as a Broker

Pros

1. Accessibility: Fractional shares and low fees make investing accessible to everyone.
2. Integrated Ecosystem: Seamlessly combines banking, trading, and personal finance management.
3. User-Friendly: Simple interface tailored for beginners.
4. Low-Cost Structure: Free or low-cost trading for users within their plan limits.
5. Variety: Supports stocks, crypto, and commodities, catering to diverse investment interests.

Cons

1. Limited Markets: Primarily focuses on U.S. stocks; lacks access to European or Asian markets.
2. Basic Tools: Lacks advanced trading tools, analytics, and research capabilities.
3. Crypto Custody: Users cannot withdraw cryptocurrencies to external wallets.
4. Subscription Reliance: Higher-tier plans are required for competitive fees and benefits.
5. No Desktop Platform: Trading is restricted to the mobile app, which might not appeal to professional traders.

Comparison with Traditional Brokers

Conclusion

Revolut has positioned itself as a versatile, beginner-friendly brokerage platform embedded within a broader financial ecosystem. It is ideal for casual investors, those new to trading, or individuals seeking a cost-effective way to diversify their portfolios with stocks, cryptocurrencies, and commodities.

However, its limited market access, basic tools, and reliance on subscription tiers might deter more experienced traders. While it cannot compete directly with specialized platforms like Interactive Brokers or eToro in terms of depth, it excels in accessibility and simplicity, making it a compelling choice for its target audience.

For those already using Revolut for banking or personal finance, the trading feature is a convenient add-on that complements its suite of financial tools. For advanced traders or investors, a dedicated brokerage platform might still be the better choice.