Revolut is worth considering when its product range, account rules, and platform style match the way you actually invest. This review keeps the focus on practical checks: what you can trade, what the account may cost, how the platform feels, and what protections are listed.
BrokerSearcher reviews are written to help you shortlist brokers with a clearer head. We do not treat one score or one headline fee as the whole story; the better question is whether the broker fits your country, product needs, tax routine, and risk comfort.
Revolut is a London, United Kingdom (EU securities entity: Vilnius, Lithuania)-based broker that has been operating for over 11 years. The platform is regulated under Bank of Lithuania, FCA, and ECB, and it currently serves investors across 1 markets. Revolut lets Ireland's millions of existing app users buy US and EU stocks and ETFs from EUR 1 with fractional shares, inside the same app they use for banking - and Irish customers hold local IE IBAN accounts through Revolut's Irish branch.
The product mix on Revolut currently includes 4 core investing instruments and 0 trading-oriented ones. Revolut lets Ireland's millions of existing app users buy US and EU stocks and ETFs from EUR 1 with fractional shares, inside the same app they use for banking - and Irish customers hold local IE IBAN This matters because a broker's real shape only becomes visible when you separate the listed-market investing layer from the leveraged or trading-led layer, and Revolut is no exception.
Revolut positions itself as a long-horizon investing platform.
Revolut fits a broad, intermediate investor profile. The product mix and operational setup make it viable for self-directed users who want a credible all-round broker without needing either a fully passive experience or a full professional trading terminal.
Portugal InsightsRevolut for Portugal investors
Local Benefits & Advantages
- Commission-free stocks: Stock trading: Free < €0k/mo.
- Free ETF trading: ETF trading: Free < €0k/mo.
- No minimum deposit: Start investing with any amount.
- Regulation & Compensation: Revolut is regulated by Bank of Lithuania, FCA, and ECB.
Tax & Friction Considerations
- Tax Regime: Dividend withholding: Yes - withholding applied at source per issuer country (W-8BEN handled for US stocks); no Irish tax withheld.
- Tax Regime: Tax reporting: Account statements downloadable; no Ireland-specific CGT or exit-tax reporting.
- Cost Attention: Revolut has no minimum deposit requirement, making it accessible to all investors.
Client assets are covered by Sistema de Indemnização aos Investidores (SII), providing protection up to EUR 22,000.
The broker maintains segregated client accounts, keeping investor funds separate from the company's own capital.
Stock trading fees: Free up to EUR 0/month, then 0.3% (min EUR 1).
ETF fees: Free up to EUR 0/month, then 0.3% (min EUR 1).
Information about Revolut in Portugal has limited verification. We recommend checking the broker's official website and the local regulator before making any decisions.
Revolut scores
The radar turns the four review scores into one visual profile, so the trade-off between ease, range, cost, and overall fit is easier to read at a glance.
Revolut at a glance
- Best for
- Existing Revolut banking customers, Small casual investors, Investors wanting one finance super app, Fractional share beginners who want a regulated platform with real stocks, real etfs, bonds access.
- Founded
- 2015
- Based in
- London, United Kingdom (EU securities entity: Vilnius, Lithuania)
- Regulators
- Bank of Lithuania, FCA, ECB
- Investor protection
- €20,000
- Country coverage
- 1 markets listed
- Main products
- Real stocks, Real ETFs, Bonds, Spot crypto, Fractional shares
- Platforms
- Revolut App, Trading Terminal (desktop, Trading Pro/Ultra)
Pros
- Investors in London, United Kingdom (EU securities entity: Vilnius, Lithuania) and neighbouring markets.
- Users who prefer a streamlined investment experience.
- Cost-conscious investors comparing European broker options.
Cons
- Currency costs can change the final result.
- Extra account rules should be checked.
- Verify all regulatory and product details on the broker's official website.
How Revolut compares
Use this table as a quick filter. On smaller screens, each broker turns into its own readable summary.
| Category | |||
|---|---|---|---|
| Real stocks | |||
| Real ETFs | |||
| Fractional shares | |||
| Bonds | |||
| Funds | |||
| Options | |||
| Futures | |||
| CFDs | |||
| Forex | |||
| Spot crypto | |||
| Crypto CFDs | |||
| Crypto ETPs | |||
| Segregated accounts | |||
| Negative balance protection | |||
| No minimum deposit | |||
| No inactivity fee | |||
| No custody fee |
Revolut - Real stocks
- Real ETFs
- Fractional shares
- Bonds
- Funds
- Options
- Futures
- CFDs
- Forex
- Spot crypto
- Crypto CFDs
- Crypto ETPs
- Segregated accounts
- Negative balance protection
- No minimum deposit
- No inactivity fee
- No custody fee
XTB - Real stocks
- Real ETFs
- Fractional shares
- Bonds
- Funds
- Options
- Futures
- CFDs
- Forex
- Spot crypto
- Crypto CFDs
- Crypto ETPs
- Segregated accounts
- Negative balance protection
- No minimum deposit
- No inactivity fee
- No custody fee
Trade Republic - Real stocks
- Real ETFs
- Fractional shares
- Bonds
- Funds
- Options
- Futures
- CFDs
- Forex
- Spot crypto
- Crypto CFDs
- Crypto ETPs
- Segregated accounts
- Negative balance protection
- No minimum deposit
- No inactivity fee
- No custody fee
- Available
- Not available / not stated
Fee Analysis
Stocks: Free up to €0k/month, then 0.3%. ETFs: Free up to €0k/month, then 0.3%. FX: 0.00%.
The cost structure on Revolut is built around free under a monthly turnover cap, then percentage-based above that threshold for European equities and free under a monthly turnover cap, then percentage-based above that threshold for US names. ETF trading follows a comparable logic, and custody is no explicit custody charge. The headline numbers are only part of the story though: currency conversion, inactivity rules, and account-level charges can quietly move the real cost of using the account over time.
There is no stated minimum deposit, which keeps account-opening friction low, and there is no inactivity fee in the dataset. Investors who plan to trade across multiple currencies or hold the account open without frequent activity should weight these structural costs, not just the per-trade commission, when judging whether Revolut is competitive.
- Stock trading: Free up to €0k/month, then 0.3%.
- ETF trading: Free up to €0k/month, then 0.3%.
- No minimum deposit required.
N/A: the current dataset does not provide enough normalized fee detail for a reliable estimate. This is a scoped estimate, not a total account-cost quote. Always confirm the live fee schedule before trading.
What you can invest in
Investing: Real Stocks, Real ETFs, Bonds, and Fractional Shares.
Shown as available in this review: Stocks, ETFs, Fractional shares, Bonds, Crypto exposure
Not shown in this review: Funds, Options, Futures, Forex, CFDs
On the listed-market side, Revolut provides real stocks, real ETFs, fractional shares, and bonds. That is a meaningful investing foundation: real stocks and real ETFs are the products most long-term investors actually use, and their presence here keeps Revolut relevant for buy-and-hold portfolios rather than only for short-term traders.
The platform deliberately avoids CFDs and forex, which is itself a positioning choice. That makes the experience cleaner for investors who do not want leveraged products sitting next to their portfolio, and it removes a common source of confusion for beginners. Crypto exposure is present (1 access route), which broadens the proposition but also calls for disciplined product selection.
Platform and account feel
Revolut offers Revolut App and Trading Terminal (desktop, Trading Pro/Ultra) as trading platforms.
Platforms
- Revolut App
- Trading Terminal (desktop, Trading Pro/Ultra)
Good to check
- Primary platform: Revolut App.
- Also available: Trading Terminal (desktop, Trading Pro/Ultra).
Revolut exposes 2 platform touchpoints: Revolut App and Trading Terminal (desktop, Trading Pro/Ultra). The platform mix is leaner and more retail-focused, which suits investors who want a clean interface rather than a pro trading terminal.
Platform count is a useful signal, but the real question is fit. A broker with a deep workstation stack rewards experienced users who will actually use the features, while a mobile-first, stripped-back app is often a better match for someone building a long-term portfolio with occasional rebalancing. Revolut sits on the leaner end of that spectrum.
Regulation and account checks
Broker terms can vary by country, account entity, product type, and currency path. Treat this review as an editorial starting point, not personal advice.
FCA From a regulatory standpoint, Revolut is overseen by 3 regulators: Bank of Lithuania, FCA, and ECB and investor protection is referenced at €20,000. Multiple regulators generally signal a broker that operates across several jurisdictions with distinct compliance layers, which is a positive trust signal.
On top of the regulatory footprint, the dataset confirms that client funds are held in segregated accounts. These operational guardrails matter most for retail investors, because they set the floor on how bad a worst-case scenario can get before personal capital is exposed.
Account details and reporting
These are the operational details that often decide whether a broker is practical to use after the first deposit.
- Countries available
- 1 markets
- Minimum deposit
- €0
- Support channels
- email, phone, live_chat
- Tax report
- Annual report provided
- Dividend withholding
- Withheld at source
- Interest withholding
- Withheld at source
Account operations on Revolut run through email, phone, and live_chat. The minimum deposit and funding flow are designed to be accessible, and the overall operational posture matches the platform's broader positioning: structured, documented, and focused on the investor workflow rather than on aggressive conversion.
Tax reporting on Revolut is supported: an annual tax report is available and structured for local filing support. That said, tax handling is jurisdiction-dependent, and any report from the broker should be treated as a starting point, not as a substitute for independent tax confirmation.
Common questions
Short answers for the checks most investors make before opening an account.
Yes, Revolut is regulated by Bank of Lithuania, FCA, and ECB. Investor assets are protected under the applicable compensation scheme.
Stock trading fees: Free up to EUR 0/month, then 0.3% (min EUR 1). ETF fees: Free up to EUR 0/month, then 0.3% (min EUR 1). The minimum deposit is EUR 0. Currency conversion: 0.00% — Interbank rate within plan FX limits; fair-usage/weekend markups can apply beyond limits.
Revolut maintains segregated client accounts and is covered by investor compensation up to EUR 22,000. The broker is regulated by Bank of Lithuania, FCA, and ECB.
Both Revolut and XTB are popular choices in Portugal. Revolut charges Free < €0k/mo for EU stocks while XTB charges Free < €100k/mo. Compare their full profiles on BrokerSearcher for a detailed breakdown.
Revolut has no minimum deposit — you can start investing with any amount.
Disclosure
This review is an editorial summary, not personal advice. Some provider links may earn BrokerSearcher a commission; that relationship is not used by the review score. Fees, protections, product access, and account rules can vary by region and provider entity.
Verify live terms on the broker's official site. Investing and leveraged trading involve risk of capital loss. Tax handling should be confirmed independently for your jurisdiction.