Revolut vs Lili.
Revolut (R91/100) and Lili (L73/100), 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 Lili 7-1.
| L Lili №26 · FDIC 73 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 1k reviews | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
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 2 of 4
- Best for protection Tied
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Lili — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than Revolut?
Under our v3 methodology, Revolut leads Lili 7–1 across 12 dimensions. Composite scores: Lili 73/100 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 Lili or Revolut cheaper?
Monthly fee — Lili: €0; Revolut: €0. Card FX markup — Lili: Interbank; Revolut: Interbank. Revolut wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Lili or Revolut?
Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Lili and Revolut?
Lili 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.