Revolut Ultra
A plan byRevolut · Visa/Mastercard
Revolut is a multi-currency account with a European banking licence, available in 180+ countries and offering access to 200+ cryptos and stocks from the app. It provides a dedicated IBAN, direct debits and third-party transfers like a real bank. Crypto, however, is not self-custodied and KYC account freezes are frequent; FX is free only within a threshold.
Ultra
- Price
- €45
- atm_fee_pct
- 2%
- atm_limit
- €200–2.000/mese gratis (in base al piano), poi 2%
- Free FX/month
- unlimited
- Free ATM/month
- €2,000
What's included
- Platinum card
- Spotify+Tinder+ClassPass
- Lounge +4
- Trading 0.1%
- 20GB eSIM
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| IBAN | dedicato · LT · LT, GB, IE |
| Deposit guarantee | EU guarantee €100,000 |
| Multi-currency | Yes · 36 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| Card included | Carta virtuale e fisica inclusa |
| Network | Visa/Mastercard |
| ATM withdrawal | 2% |
| Free ATM limit | €200–2,000/month free (plan-based), then 2% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, US, APAC, LATAM · 180+ countries |
| Regulator | Bank of Lithuania, FCA |
| OAM Italy registration | Yes |
| Segment | B2C |
| Funding / solidity | 70M+ users · $45B valuation · $2.3B profit (2025) |
| MiCA / License status | Licenza bancaria EUEMI (UK)FCA FCA (UK) · ECB/Bank of Lithuania (EU) |
Strengths
- Multi-currency account with EU banking licence and €100k deposit guarantee
- 180+ countries and 200+ cryptos and stocks in-app
- Dedicated IBAN, third-party transfers and direct debits like a bank
Weaknesses
- Crypto is not self-custodied
- Frequently reported account freezes for KYC checks
- FX free only within the plan’s monthly threshold
Verdict
Revolut is a multi-currency account with a European banking licence, available in 180+ countries and offering access to 200+ cryptos and stocks from the app. It provides a dedicated IBAN, direct debits and third-party transfers like a real bank. Crypto, however, is not self-custodied and KYC account freezes are frequent; FX is free only within a threshold.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is crypto on Revolut self-custodied?
No: Revolut holds the crypto on your behalf, you do not control the private keys directly.
Does Revolut have deposit protection?
Yes, euro balances are covered by the EU guarantee up to €100,000 thanks to the EU banking licence.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).