Revolut Trading Review | Is Revolut Reliable? A Comprehensive Analysis of Regulation, Commission Free Limits, and User Experience

1. Brand Background and Development History

Revolut Ltd. was founded in 2015 and is headquartered in London, UK. It started with multi-currency accounts, cross-border payments and prepaid cards, and quickly grew into one of the largest fintech companies in Europe.
Its investment subsidiary , Revolut Trading Ltd. (also known as Revolut Invest), mainly provides stock, ETF and crypto asset investment services.

By 2025, Revolut will have over 35 million registered users worldwide, with rapid growth among retail investors in the UK and Europe. Its core selling point is the ability to complete payments, foreign exchange, banking, and investments within the same app.

2. Account Type and Fee Model

👉 Unlike Freetrade (completely commission-free) , Revolut's model is limited commission-free + subscription value-added , which is suitable for occasional investors but not cheap for active traders.

III. Supervision and Compliance

⚠️ Note: Cryptocurrency is not protected by the FSCS and is subject to market risks.

IV. Trading Products and Market Coverage

• Stocks : Mainly US market stocks

• ETFs : Some Popular US Stock ETFs

• Cryptocurrency : Supports multiple mainstream currencies (BTC, ETH, LTC, etc.)

• Metal investment : gold, silver (in the form of CFDs)

insufficient:

• Lack of UK and European local market stocks

• Product coverage is not as good as HL or AJ Bell

5. Transaction Execution and Platform Experience

• Platform type : Mobile Revolut App

• Advantages :

• One-stop integration of all financial services

• Modern interface, easy to use

• Suitable for occasional investors and users who want to experience the product

• insufficient :

• Limited functionality (no advanced charts, no API)

• Not suitable for professional investors

6. Deposit and Withdrawal Methods and Time Limits

• Deposit: Bank transfer, debit card, credit card, Apple Pay/Google Pay

• Withdrawal: Bank account withdrawal

• Time limit: Immediate or 1 working day

• Additional advantages: support for multi-currency switching and seamless cross-border payment

7. Customer Service and Additional Features

• Customer service method : Online chat in App

• Service hours : 24/7 (but users report long waiting times)

• Additional features : budgeting tools, spending analysis, multi-currency wallet

8. Media and User Reviews

Trustpilot

Website: Trustpilot Revolut

• Rating: ⭐ 4.2/5 (130,000+ reviews, covering all financial services)

• Advantages: All-in-one app, flexible commission-free quota design

• Cons: Slow customer service, basic investment features

Media coverage

• Financial Times: Revolut is called "European retail financial super app"

• CNBC: Points out that its investment function is "suitable for casual investors, not a professional trading platform"

IX. Risk Warning

Revolut’s biggest risks are:

• The cryptographic part is not protected by regulation

• Investment functions are limited and difficult to meet professional needs

• The commission-free quota is suitable for beginners, but not for high-frequency investments

Conclusion : Revolut is more like a "lifestyle app for financial management + investment" rather than a full-featured professional brokerage firm.

10. Overall rating (10 points + comments)

• Regulatory Compliance: 7/10 — FCA regulated, cash protected by the FSCS, but crypto not

• Fee Structure: 7/10 — Limited commission-free quota, high cost for high-frequency users

• Product Diversity: 7/10 — Stocks + ETFs + Crypto, but lacks UK and EU markets

• Platform Experience: 8/10 — Excellent integrated app experience

• Customer Service: 7/10 — 24/7 support, but long wait times

Overall score: 7.3/10
👉 Revolut is suitable for beginners and occasional investors , but not for heavy traders and professional investors.