Revolut Trading offers a unique proposition for European investors by combining banking and investing in one mobile-first super-app. For the millions who already use Revolut for banking and everyday purchases, adding investing to the mix makes perfect sense and creates an incredibly convenient all-in-one financial experience.
We tested Revolut Trading extensively to evaluate its suitability for EU investors, examining everything from subscription tiers to regulatory compliance. As a platform that many of us started our own investing journey with, we understand both its appeal and limitations. Here's what we found.
What We Like About Revolut Trading
- Seamless banking integration with instant transfers between accounts
- Multi-currency support with competitive exchange rates across 31 currencies
- Low minimum investments starting from just €1 with fractional shares
- No inactivity fees or account maintenance charges
- Multiple subscription tiers to match different trading volumes
- Real-time market data during extended trading hours
What We Don't Like
- Limited market access compared to specialized EU brokers
- Recent €3.5M AML fine raises regulatory compliance concerns
- Poor customer support with high complaint volumes
- No margin trading available for leveraged strategies
- Basic educational resources lacking comprehensive trading guides
What Revolut Trading Is Known For
Revolut Trading distinguishes itself as the ultimate financial super-app, fully integrating investment services with comprehensive banking features. For the millions of Europeans who already use Revolut for banking, currency exchange, and everyday purchases, adding investing creates an incredibly seamless experience.
This convenience factor cannot be overstated. Most people already have Revolut on their phone for banking needs, making it the natural first step into investing. We actually started our own investing journey this way, and it's easy to see why: having all your financial services in one app eliminates friction and makes investing feel less intimidating for beginners.
The platform particularly excels in multi-currency management, allowing investors to hold balances in 31 different currencies and execute currency conversions at competitive interbank rates. This makes it especially valuable for investors trading across different geographic markets or managing international expenses.
An important recent development is portfolio transfer capability, which addresses one of the major concerns about starting with Revolut. If you ever want to move to a more specialized broker down the road, you can now transfer your entire portfolio without having to sell your positions and potentially trigger tax events.
Revolut Trading Subscription Plans
Revolut operates a tiered subscription model where trading benefits scale with monthly fees. Each plan includes different numbers of commission-free trades and varying currency conversion limits.
Trading Pro is a €4.99/month add-on that can supplement any base plan (except Ultra, which includes it free). It provides reduced 0.12% commissions, access to the Trading Terminal desktop platform, and higher order limits. This often represents better value than upgrading subscription tiers solely for trading benefits.
Fees and Pricing Breakdown
We found Revolut's fee structure relatively straightforward compared to traditional brokers, though costs can accumulate for active traders.
Trading Commissions
- Standard rate: 0.25% per trade (€1 minimum)
- Ultra/Trading Pro rate: 0.12% per trade
- No inactivity fees or account maintenance charges
Currency and Transfer Costs
- SEPA transfers: Free within eurozone
- Currency exchange: Very competitive interbank rates
- Monthly conversion limits vary by subscription tier
- Real-time transfers complete in under 10 seconds
Additional Fees
European stocks may incur country-specific transaction taxes in France (0.3%), Spain (0.2%), and Italy (0.1%). US stock trading benefits from eliminated SEC fees as of May 2025.
Revolut Trading Pro and Terminal
For serious traders seeking advanced capabilities, Revolut Trading Pro (€4.99/month) transforms the basic mobile experience into a professional-grade platform. The subscription includes:
Trading Pro Benefits
- Reduced 0.12% commission rate (down from 0.25%)
- Higher order limits for large transactions
- No minimum country-based fees
- Access to Trading Terminal desktop platform
Trading Terminal Features
The Trading Terminal provides a sophisticated desktop trading environment with:
- Advanced portfolio analytics and performance tracking
- Custom workspaces and widgets for personalized layouts
- TradingView integration for professional charting and technical analysis
- Real-time market data from Refinitiv and Polygon.io
- Customizable interface with resizable components
The Terminal supports trading stocks and ETFs across US and European markets, though custom third-party integrations aren't currently supported. Ultra plan subscribers receive Trading Pro included at no additional cost, making it an attractive option for active traders.
Safety and Regulation Overview
Revolut Trading operates through Revolut Securities Europe UAB, regulated by the Bank of Lithuania under MiFID II framework since November 2021. The entity holds a Category A investment services license enabling passporting rights across all 30 EEA countries.
However, recent regulatory developments raise concerns. In April 2025, the Bank of Lithuania imposed a record €3.5 million fine for anti-money laundering failures, citing inadequate monitoring and suspicious activity identification.
Client Protection Measures
- Segregated accounts for all client assets
- €22,000 investor compensation through Lithuanian scheme
- €100,000 deposit insurance for cash balances
- Third-party custody with established financial institutions
Regulatory Concerns
The escalating penalty pattern (from €70,000 in 2022 to €3.5 million in 2025) suggests persistent compliance challenges. Additionally, Revolut faces over 9,793 fraud complaints annually, significantly exceeding traditional banks.
Trading Experience and Platform Features
Revolut's mobile-first approach prioritizes user experience over advanced functionality. The interface integrates seamlessly with banking services, allowing users to monitor spending and execute trades within the same application.
For more advanced users, Trading Pro (€4.99/month add-on) unlocks the Trading Terminal, a desktop platform with enhanced analytics, custom workspaces, and TradingView integration. The Terminal supports advanced portfolio analytics and provides professional-grade tools while maintaining the simplified Revolut experience. Trading Pro also includes reduced 0.12% commission rates and higher order limits for US and EU stocks.
Available Markets and Assets
- US stocks: ~2,200 companies from NYSE and NASDAQ
- ETFs: 150+ exchange-traded funds
- European stocks: 70+ companies (limited selection)
- Cryptocurrencies: 200+ through main app, 210+ via Revolut X
- Fractional shares: Available for all US securities
Trading Tools and Features
- Order types: Market, limit, and stop orders
- Real-time data: Powered by Refinitiv and Polygon.io
- Extended hours: 4am-8pm EST for US markets
- Price alerts and watchlist functionality
- Recurring investments for dollar-cost averaging
Platform Limitations
The platform lacks several features common among specialized brokers:
- No margin trading or leveraged strategies
- Limited research tools and market analysis
- Basic charting without advanced technical indicators (unless using Trading Pro Terminal)
- No demo account for practice trading
- Minimal educational content beyond crypto courses
However, Trading Pro subscribers gain access to the desktop Trading Terminal with TradingView integration, advanced analytics, and customizable workspaces, addressing some of these limitations for serious traders.
Supported Assets and Investment Options
Revolut Trading provides access to major US markets but falls short on European and international coverage compared to dedicated investment platforms.
US Market Coverage
The platform offers comprehensive access to US large-cap stocks and major ETFs, including popular choices like VWCE (Vanguard All-World), SPY (S&P 500), and QQQ (Nasdaq 100). However, penny stocks and over-the-counter securities remain unavailable.
European Market Limitations
With only 70+ European companies available, Revolut significantly lags competitors like DEGIRO (offering 50+ exchanges) or XTB (comprehensive European coverage). This limitation particularly impacts investors seeking diversified European exposure.
Cryptocurrency Trading
Revolut provides two crypto trading options:
- Main app: 200+ cryptocurrencies with 0.29%-0.49% spreads
- Revolut X: Professional exchange with 210+ tokens and 0%-0.09% fees
The Revolut X platform offers more competitive pricing for serious crypto traders, though it operates separately from stock trading services.
Customer Support Quality
Customer support represents one of Revolut's most significant weaknesses. We found response times often disappointing, particularly for complex issues requiring human intervention.
Support Channels
- 24/7 in-app chat with automated responses
- Priority support for premium subscribers
- Email support for detailed inquiries
- No phone support available (only for Ultra users)
Performance Issues
Revolut received the highest number of fintech complaints according to 2025 Financial Ombudsman Service data. Common issues include:
- Delayed responses to account problems
- Difficulty reaching human agents
- Inconsistent resolution quality
- Limited escalation procedures
Who Revolut Trading Is Best For
Based on our analysis, Revolut Trading suits specific investor profiles better than others.
Ideal Users
- Existing Revolut banking customers seeking integrated investing experience
- Beginner investors who want the easiest possible start to investing
- Super-app enthusiasts preferring all financial services in one place
- Multi-currency travelers requiring seamless currency management
- Casual investors making fewer than 10 trades monthly
- Mobile-first users comfortable with smartphone-only trading
Users Who Should Look Elsewhere
- Serious investors requiring advanced research tools and comprehensive market access
- Active traders needing margin capabilities and professional-grade features
- European stock specialists seeking extensive continental market coverage
- Desktop traders preferring computer-based platforms
- Users prioritizing customer support who need reliable human assistance
How Revolut Compares to EU Competitors
We compared Revolut against major European investment platforms to provide context for potential users.
Trading 212
- Advantages: Commission-free trading, comprehensive research tools, excellent mobile and web platforms, extensive market coverage
- Disadvantages: No banking integration, limited currency options, investing-only focus
Lightyear
- Advantages: Zero commission ETF trading, cleanest & most user-friendly interface
- Disadvantages: Newer platform, no banking features, focused solely on investing
XTB
- Advantages: Professional tools, 0% commissions up to €100k monthly, extensive research
- Disadvantages: Higher complexity, overwhelming for beginners
While dedicated brokers like Trading 212 and Lightyear clearly have an edge when it comes to pure investing features, comprehensive market access, and specialized tools, they lack Revolut's super-app convenience. Trading 212 offers commission-free trading with superior research capabilities, while Lightyear provides an exceptionally clean interface with excellent educational resources.
However, these platforms focus exclusively on investing needs. If you want one app to handle banking, spending, currency exchange, and investing all in one place, Revolut could be the best option for you. The convenience of having everything integrated often outweighs the limitations, especially for beginners or those who value simplicity.
Final Verdict
Revolut Trading occupies a unique and valuable position in the European investment landscape as the ultimate financial super-app. For the millions who already use Revolut for banking and everyday purchases, it represents the most logical first step into investing.
Getting started with investing has never been easier when you already have the app on your phone. The psychological barrier of downloading another app, creating new accounts, and learning new interfaces simply doesn't exist. This convenience factor makes Revolut an excellent choice for beginners who might otherwise never start investing.
The recent addition of portfolio transfer capabilities addresses one of the main concerns about starting with Revolut. You can now begin your investing journey with the convenience of the super-app, then seamlessly transfer to specialized brokers like Trading 212 or Lightyear as your needs evolve, without having to sell positions and trigger tax events.
However, dedicated investing platforms do have clear advantages. Trading 212 and Lightyear offer superior investing experiences with commission-free trading, better research tools, more comprehensive market access, and features specifically designed for serious investors. But they lack the integrated banking convenience that makes Revolut so appealing.
Our recommendation: If you already use Revolut for banking, it's an excellent way to start investing thanks to its convenience and integrated experience. The super-app approach eliminates friction and makes investing accessible. However, as your investing knowledge and needs grow, consider specialized platforms like Trading 212 or Lightyear for more comprehensive investing capabilities.
For those who value having everything in one app and want the simplest possible investing experience, Revolut remains unmatched. The convenience of managing your entire financial life in a single application often outweighs the limitations, especially for beginners or casual investors.
Frequently Asked Questions
Is Revolut Trading safe for EU investors?
Revolut Trading operates under Lithuanian regulation with MiFID II compliance and provides €22,000 investor protection. However, the recent €3.5 million AML fine raises some regulatory concerns that investors should consider.
What are Revolut Trading fees for European investors?
Trading fees vary by subscription plan. You get 1-10 free trades monthly (Standard: 1, Plus: 3, Premium: 5, Metal/Ultra: 10), then pay 0.25% commission with €1 minimum. Trading Pro subscribers and Ultra users pay reduced 0.12% rates.
Does Revolut offer professional trading tools?
Yes, Trading Pro (€4.99/month) provides access to the Trading Terminal desktop platform with advanced analytics, TradingView integration, and professional-grade tools. Ultra subscribers get Trading Pro included free.
How many free trades do I get with each Revolut plan?
Standard: 1 free trade/month, Plus: 3 free trades/month, Premium: 5 free trades/month, Metal and Ultra: 10 free trades/month. Additional trades are charged at 0.25% (or 0.12% with Trading Pro/Ultra).
Can I trade European stocks on Revolut?
Yes, but the selection is limited to 70+ European companies compared to thousands available through competitors. US market access is more comprehensive with 2,200+ companies.
Does Revolut Trading offer margin trading?
No, margin trading is currently unavailable. Revolut acknowledges exploring this capability but has not provided implementation timelines.
Can I use Revolut Trading without a Revolut bank account?
No, investment services require an existing Revolut banking relationship. Account opening integrates with existing KYC procedures for current banking customers.
All investments carry risk, including loss of capital. EU Investing Hub does not provide investment advice. Content is for educational purposes only. Always do your own research.
