Revolut vs SoFi.
Revolut (R91/100) and SoFi (S79/100), 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 SoFi 6-2.
| R Revolut №01 · Bank of Lithuania 91 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 79 /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 | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | — |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | Full bank OCC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 1 country |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
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.
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
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- Best for fees Revolut won 2 of 4
- Best for protection SoFi won 1 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Tied
Revolut vs SoFi — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than SoFi?
Under our v3 methodology, Revolut leads SoFi 6–2 across 12 dimensions. Composite scores: Revolut 91/100 vs SoFi 79/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or SoFi cheaper?
Monthly fee — Revolut: €0; SoFi: €0. Card FX markup — Revolut: Interbank; SoFi: 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, Revolut or SoFi?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. SoFi is the stronger pick on regulatory protection.
Where can I use Revolut and SoFi?
Revolut operates in 48 countries; SoFi operates in 1 country. 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.