Revolut vs Carbon.
Revolut (R91/100) and Carbon (C50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Carbon 10-0.
| C Carbon №80 · CBN 50 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. CBN | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.3 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Carbon if…
Nigerian credit-led digital bank (formerly Paylater). CBN microfinance bank charter — same regulatory tier as Kuda/OPay (₦2M NDIC microfinance ceiling, not ₦5M DMB full-bank). Credit-line access is the structural differentiator vs. spending-account-led Kuda.
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
- Best for fees Revolut won 3 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Carbon — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Carbon better than Revolut?
Under our v3 methodology, Revolut leads Carbon 10–0 across 12 dimensions. Composite scores: Carbon 50/100 vs Revolut 91/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Carbon or Revolut cheaper?
Monthly fee — Carbon: €0; Revolut: €0. Card FX markup — Carbon: 3.00%; Revolut: Interbank. Revolut wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Carbon or Revolut?
Carbon holds a Payment inst. licence under CBN; deposit guarantee per depositor: Safeguarded. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Revolut is the stronger pick on regulatory protection.
Where can I use Carbon and Revolut?
Carbon operates in 1 country; Revolut operates in 48 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.