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The FIRE Exit
The broker guide
The broker guide

Revolut.

What Revolut really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What Revolut costs, on the example

The bill this year
€0
Twenty years of it
≈ €0

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

  • Available inAll EU/EEA residents, on its own pages; the UK too, via its UK entity
  • The monthly buy€0 · savings plan
  • Recurring€0/yr
  • Conversion1%
  • Savings planautomatic · fractions
  • ProtectionLithuanian investor insurance: a flat cap of €22,000 (no 90% tier; the scheme's own FAQ)
  • The cashApp balances are real deposits at Revolut Bank UAB: €100,000 Lithuanian deposit insurance. The investments sit at the separate brokerage entity under the €22,000 investor scheme. Two firms, two safety nets.
  • Does your taxes in—
  • The exitNo outbound transfer route for European ETFs is published (US-listed only, $35 a position). Leaving means selling.

The honest note

The app half of Europe already carries, which is exactly its pitch: the investing lives where your card does. Two facts to keep separate: your cash sits at its bank, with a real deposit guarantee; your investments sit at its Lithuanian brokerage, under that country's separate, smaller investor scheme. The ETF shelf is a fraction of a full broker's, free trades are rationed by subscription tier, and the recurring "Investment Plans" are the genuinely commission-free route. As a first, small, automatic drip it works. If your plan outgrows the shelf, the switching section below is how you leave without a tax bill.

Revolut: the fine print
Who you deal with

Revolut Securities Europe UAB: Bank of Lithuania (the brokerage); cash sits at Revolut Bank UAB

The route

ETF Investment Plan: recurring buys, commission-free on every subscription tier (Revolut pre-funds the commission), from €1. One-off trades: your plan's monthly free allowance, then 0.25% (min €1). Currency exchange is free to €1,000 a month on the free plan; the 1% priced here is the over-allowance rate.

The plan

Investment Plans: recurring, commission-free, from €1, fractional.

The cash

App balances are real deposits at Revolut Bank UAB: €100,000 Lithuanian deposit insurance. The investments sit at the separate brokerage entity under the €22,000 investor scheme. Two firms, two safety nets.

The taxes

No withholding on fund gains anywhere: you declare and pay yourself; its own help pages say so plainly.

The exit

No outbound transfer route for European ETFs is published (US-listed only, $35 a position). Leaving means selling.

Where it operates

It advertises accounts to all EU/EEA residents on its own pages.

The UK runs through a separate entity, with its own protection scheme.

Tax-sheltered accounts it documents: ISA (United Kingdom).

Compare Revolut head to head

The same bill and the same facts, next to another broker:

Compare any two, side by side
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Sources: check it yourself
Keep it honest

Know a figure here that's wrong or out of date? Point me to the line and a source. Every correction gets checked before the next refresh. That's how this page stays right.

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Common questions

What does Revolut cost?
On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Revolut works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is Revolut safe?
It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the Lithuanian investor insurance: a flat cap of €22,000 (no 90% tier; the scheme's own FAQ). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
Does Revolut do my tax paperwork?
No. No withholding on fund gains anywhere: you declare and pay yourself; its own help pages say so plainly. That's the norm on this list, not a fault of this broker: only a few of the nine do any of it for you, and only in their home markets.
Can I set up automatic monthly investing with Revolut?
Yes. Investment Plans: recurring, commission-free, from €1, fractional.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

Bring me a challenge.

The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.

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How the sessions work

Ninety minutes, online, €600. The Exit Audit included.