Revolut
Ranked 2 of 5 neobanks by recommenders
People recommend Revolut for cheap foreign-currency payments, disposable and virtual cards, and a banking app that works well for many travelers. The most common caveat is that accounts can be frozen or blocked with little warning and support is hard to reach.
People recommend Revolut for cheap foreign-currency payments, disposable and virtual cards, and a banking app that works well for many travelers. The most common caveat is that accounts can be frozen or blocked with little warning and support is hard to reach.
124 people gave an opinion
- recommend it
- 43
- criticize it
- 81
- approval share
- 35%
Recommended in 11 of 13 months
- November 2025: recommended
- December 2025: recommended
- January 2026: recommended
- February 2026: recommended
- March 2026: recommended
- April 2026: recommended
- May 2026: recommended
- June 2026: recommended
- July 2026: not recommended
- August 2026: recommended
- September 2026: recommended
- October 2026: recommended
- November 2026: not recommended (month in progress)
Owned for 2 years
Median of the 3 owners who said how long they have had it.
Each square is one year.
Why it doesn’t carry the badge
- 43 people recommend itNeeds 10 or more, met.
- 0.5 recommenders for every criticNeeds 2 to 1 or better, not met.
- Recommended in 11 of 13 monthsNeeds 4 or more, met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Good foreign currency rates and transfers
“what Revolut charges me (taking my local currency and converting it to USD), is lower than what AliExpress would charge me”
Comment from 14 Feb 2026 in “Skip the Tips: A game to select "No Tip" but dark patterns try to stop you” “They have been shocklingly competent for international transfers. Most things just work through the app”
Comment from 21 Oct 2026 in “Google Cloud outage affects almost all banking and other operations in Europe” “no exchange rate fees added while paying in foreign currencies”
Comment from 9 Nov 2025 in “Visa and Mastercard near deal with merchants that would change rewards landscape” - Comment from 11 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”
- Comment from 20 Oct 2026 in “Revolut down as users report app not working”
- Comment from 23 Dec 2025 in “Ryanair fined €256M over ‘abusive strategy’ to limit ticket sales by OTAs”
Disposable and multiple virtual cards
“Internet transactions are usually done using Revolut because then I can use a disposable card number.”
Comment from 6 Jun 2026 in “Gov.uk goes Dutch on payments as it dumps Stripe” “the great thing about Revolut is that a) you can create multiple free virtual cards”
Comment from 14 Sep 2026 in “Revolut confirms customer data breach through fake government requests” “then you just cancel/destroy the virtual number immediately”
Comment from 20 Feb 2026 in “Micropayments as a reality check for news sites” - Comment from 10 Jun 2026 in “FCC Wants to Kill Burner Phones by Forcing Telecoms to Get All Customers' IDs”
- Comment from 24 Jun 2026 in “Ask HN: Anthropic banned me from using Claude Code and I don't know what to do”
- Comment from 22 Sep 2026 in “'We hacked the FBI:' Hackers say they have data on all FBI employees”
Useful app features and budgeting
“it just looks like a nice app / interesting cards (for all the perks and cashback IIUC) to have”
Comment from 12 Sep 2026 in “Revolut confirms customer data breach, falling for fake government requests” “Now with Revolut you can schedule auto top-up to keep this low amount up to date.”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun” “create a separate card number for your kid (10s within the bank app), where you put more money when needed”
Comment from 18 Sep 2026 in “I don't like passkeys” - Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”
- Comment from 11 Mar 2026 in “Revolut wins UK banking licence after five-year tussle”
Works well for travel and subscriptions
“I had no problems subscribing to stuff through wise or revolut cards”
Comment from 12 Jun 2026 in “AI Agent Bankrupted Their Operator While Trying to Scan DN42” “this is why Revolut and WISE cards are a god send when travelling”
Comment from 23 Dec 2025 in “Ryanair fined €256M over ‘abusive strategy’ to limit ticket sales by OTAs” “worked fine in a foreign country at 12:00pm London time, via Apple Pay”
Comment from 20 Oct 2026 in “Revolut down as users report app not working” - Comment from 19 Aug 2026 in “GrapheneOS in 2027 available on high-end Motorola phones”
What people warn about
Each mark is one comment
Accounts frozen or blocked without warning
“I've also seen stories of them basically freezing people's accounts.”
Comment from 10 Nov 2025 in “Visa and Mastercard near deal with merchants that would change rewards landscape” “if they decide to freeze your money for no reason”
Comment from 20 Oct 2026 in “Google Cloud outage affects almost all banking and other operations in Europe” “They cut off access to my account without warning, because they say GOS doesn't meet their security requirements.”
Comment from 11 Mar 2026 in “Revolut wins UK banking licence after five-year tussle” - Comment from 26 May 2026 in “Founder of 7/11 Japan, Toshifumi Suzuki, has died at age 93”
- Comment from 23 Mar 2026 in “Revolut wins UK banking licence after five-year tussle”
Hard to reach human support
“Revolut refused to help with a dispute. They rejected it after like 2 hours, first claiming they contacted the seller, which it turns out they did not.”
Comment from 20 Oct 2026 in “Revolut down as users report app not working” “Revolut are well known for using automated systems for all support and it being difficult/impossible to talk to an actual human”
Comment from 13 Sep 2026 in “Revolut confirms customer data breach through fake government requests” “there's intermittent availability of basically everything, which means you might be able to access the app, or you might be able to pay by card”
Comment from 20 Oct 2026 in “Revolut down as users report app not working” Strict fraud checks on transactions
“Revolut is actually particularly strict with random unexplained transactions compared to most online banks.”
Comment from 13 Sep 2026 in “Revolut confirms customer data breach, falling for fake government requests” “Revolut itself is particularly strict, receive 5 random unexplained payments and it's almost sure that you'll get banned”
Comment from 13 Sep 2026 in “Revolut confirms customer data breach, falling for fake government requests” “The revolut anti-fraud thing also seems to be less well done, being easier to trigger than other "real" banks.”
Comment from 23 Oct 2026 in “Google Cloud outage affects almost all banking and other operations in Europe” Fails on rooted or custom Android phones
“Revolut stopped working for me for a while with the error that the bootloader wasn't recognised and rooted phones aren't supported”
Comment from 2 Mar 2026 in “/e/OS is a complete "deGoogled", mobile ecosystem” “Revolut shipped a check for ro.build.user being set to the string "grapheneos" resulting in using the app being blocked.”
Comment from 20 Aug 2026 in “GrapheneOS in 2027 available on high-end Motorola phones” “Revolut recently changed the app so it now requires Google Play Integrity so it doesn't work with LineageOS anymore.”
Comment from 25 Jul 2026 in “Android May Soon Restrict On-Device ADB” - Comment from 11 Mar 2026 in “Revolut wins UK banking licence after five-year tussle”
- Comment from 26 May 2026 in “Founder of 7/11 Japan, Toshifumi Suzuki, has died at age 93”
Other neobanks people recommend
The four most recommended other neobanks, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Mercury Bank | 44 | 8 | 85% | 11 | 5 yrs5 owners | Approved |
| RevolutThis page | 43 | 81 | 35% | 11 | 2 yrs3 owners | — |
| Monzo | 19 | 7 | 73% | 8 | — | Approved |
| Starling Bank | 10 | 9 | 53% | 4 | — | — |
| N26 | 8 | 8 | 50% | 5 | — | — |
What people said
40 of the 147 comments that mention it, newest first. Each links to the original comment.
“The revolut anti-fraud thing also seems to be less well done, being easier to trigger than other "real" banks.”
“They have been shocklingly competent for international transfers. Most things just work through the app”
“if they decide to freeze your money for no reason”
“Revolut refused to help with a dispute. They rejected it after like 2 hours, first claiming they contacted the seller, which it turns out they did not.”
“worked fine in a foreign country at 12:00pm London time, via Apple Pay”
“there's intermittent availability of basically everything, which means you might be able to access the app, or you might be able to pay by card”
“I have had good experiences with Privacy.com and Revolut.”
“create a separate card number for your kid (10s within the bank app), where you put more money when needed”
“the great thing about Revolut is that a) you can create multiple free virtual cards”
“Revolut are known to be a bit shady but in this case they're damned if they do and damned if they don't”
“Revolut are well known for using automated systems for all support and it being difficult/impossible to talk to an actual human”
“Revolut is actually particularly strict with random unexplained transactions compared to most online banks.”
“Revolut itself is particularly strict, receive 5 random unexplained payments and it's almost sure that you'll get banned”
“it just looks like a nice app / interesting cards (for all the perks and cashback IIUC) to have”
“Revolut shipped a check for ro.build.user being set to the string "grapheneos" resulting in using the app being blocked.”
“Revolut has luckily been working well for me but time will tell”
“Revolut recently changed the app so it now requires Google Play Integrity so it doesn't work with LineageOS anymore.”
“use a virtual Revolut card for payment”
“I had no problems subscribing to stuff through wise or revolut cards”
“i use revolut in the eu and disposable cards work”
“Internet transactions are usually done using Revolut because then I can use a disposable card number.”
“which simply blocks you out of your account if on a device they seem to not like / that is not attested”
“everyone's used to Revolut for bill splitting here in Romania”
“Freezing works well because you see the failed transactions coming through later”
“They're not a bank. None of the FinTechs are. Different culture. They don't understand accounts must always work”
“They cut off access to my account without warning, because they say GOS doesn't meet their security requirements.”
“It works, you don't need a mobile app.”
“Revolut stopped working for me for a while with the error that the bootloader wasn't recognised and rooted phones aren't supported”
“then you just cancel/destroy the virtual number immediately”
“Sandboxed Play Services handles most major apps fine, including N26 and Revolut”
“what Revolut charges me (taking my local currency and converting it to USD), is lower than what AliExpress would charge me”
“their tech is great and their fx rates are more than fair”
“Now with Revolut you can schedule auto top-up to keep this low amount up to date.”
“They managed to build from scratch on relatively shoestring budgets their own implementation of a consumer bank”
“some cards like revolut which provide some benefits but you have to pay a monthly sub”
“this is why Revolut and WISE cards are a god send when travelling”
“their banking apps put a banner on the top warning they are not calling the user”
“the fee I'm paying is comparable to any other bank that offers the features Revolut's (banking) services offer”
“I've also seen stories of them basically freezing people's accounts.”
“no exchange rate fees added while paying in foreign currencies”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.