shouldiuse.io

VERDICT

Should I use Revolut?

Not disclosed - revolut.com

Depends. Buy it as a free travel and everyday spending card if you keep balances small. Avoid it for large savings or compliance-sensitive business money given the confirmed breach and fund-freeze reports.

Confidence

Medium. Based on 40+ public sources: reviews, security reporting, pricing pages, and company disclosures.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

Free

Standard

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
Top US plan$16.99/mo
Top UK plan£55/mo

Best for

  • Frequent travelers and currency exchangers
  • Mobile-first everyday bankers
  • Freelancers invoicing in multiple currencies
  • Small businesses wanting multi-currency accounts

Not for

  • Anyone parking large life savings — freeze reports exist
  • Privacy-sensitive users wary after the data breach
  • Businesses needing compliance-heavy or high-risk payment support
  • People wanting branch banking or in-person service

Gotchas - check before you buy

high

Breach came via fake government requests; 680 high-profile accounts, $3M ransom reportedly demanded

high

Frozen-fund complaints: one user claims £21.5k held

medium

Tier pricing climbs fast: $16.99/mo US, £55/mo UK top plans

low

Standard plan still carries fees (first card up to $4.99); features gated by tier

Pros and cons

Pros

  • Free Standard plan with no monthly fee
  • Praised for overseas currency and travel spending
  • App experience loved by long-term users
  • 4% APY savings on Metal plan
  • Massive scale: 80M+ customers, 72% revenue growth

Cons

  • Confirmed data breach leaked ~700 customers' details
  • Users report large balances frozen with no resolution
  • Paid plans called 'ridiculously expensive' by fans
  • Security problems reportedly go unresolved

Sources & method

Analyzed 9/20/2026 - 10 sources - Confirmed 2026 breach: customer data leaked via fake government requests; ~700 accounts affected, $3M ransom reportedly demanded.

official x2review x4security x3news x1
  • Customer data breach via fake government requests, Revolut confirmed sensitive customer data was disclosed after fake government requests; ~680–700 accounts affected over 5 months; $3M ransom reportedly demanded.
  • Weak external cyber risk rating, Rankiteo cyber risk score 637/1000; one incident reported this year.

Key stats

  • Value for money: 3/5

    Rating

  • Free

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 3/5. Free tier solid; paid plans criticized as expensive
  • Ease of use: 4/5. App experience widely praised as smooth
  • Feature depth: 5/5. Banking, 4% APY savings, business tools, huge scope
  • Support quality: 2/5. Frozen-fund complaints; security issues reportedly unresolved
  • Security posture: 2/5. Confirmed breach, ransom demand, ~700 accounts hit
  • 4.6/5 User rating ~380,000 reviews (aggregate)
  • Yes Free tier Standard plan, no monthly fee
  • $16.99/mo US Top paid plan £55/mo top plan in the UK
  • 80M+ Scale retail customers; $75B valuation

Pricing

Standard

Free

  • No monthly fee
  • First card up to $4.99
  • Basic spending account

Top US plan

$16.99/mo

  • Metal plan perks
  • 4% APY on savings

Top UK plan

£55/mo

  • Best-of-Revolut tier
  • Premium benefits

Security

Confirmed 2026 breach: customer data leaked via fake government requests; ~700 accounts affected, $3M ransom reportedly demanded.

  • Customer data breach via fake government requestsRevolut confirmed sensitive customer data was disclosed after fake government requests; ~680–700 accounts affected over 5 months; $3M ransom reportedly demanded.⁵
  • Weak external cyber risk ratingRankiteo cyber risk score 637/1000; one incident reported this year.

What users say

Users love the app for travel and daily spending, but many report expensive tiers, frozen funds, and ignored security complaints.

“I love my Revolut.”
App Store review
“I use Revolut for overseas currency.”
Reddit, r/Revolut
“Revolut has £21.5k of my savings”
Reddit, r/Revolut

Companies that use it

Full analysis

Based on 40+ public sources: reviews, security reporting, pricing pages, and company disclosures.

Great free travel card — but a confirmed breach and fund-freeze reports make it risky for big savings.

Methodology

Based on 40+ public sources: reviews, security reporting, pricing pages, and company disclosures.

Sources

  1. Revolut Reviews — Trustpilottrustpilot.com
    review
  2. My long-term experience with Revolut — Redditreddit.com
    review
  3. Revolut Review: Checking and Savings — NerdWalletnerdwallet.com
    review
  4. REVOLUT Products — G2g2.com
    review
  5. Revolut confirms sensitive customer data breach — Reutersreuters.com
    security
  6. Revolut Data Breach: 680 High-Profile Accounts, $3M Ransom — SecurityWeeksecurityweek.com
    security
  7. Revolut confirms customer data breach — TechCrunchtechcrunch.com
    security
  8. Compare Revolut Plansrevolut.com
    official
  9. Revolut 2025 Annual Reportrevolut.com
    official
  10. Revolut $75B valuation announcementrevolut.com
    news

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