Revolut vs Up Bank.
Revolut (R91/100) and Up Bank (U55/100), 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 Up Bank 9-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 55 /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 | Payment inst. PRA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | Safeguarded AU.FCS |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 1 country |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 4.0 ★ 2k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Up Bank if…
Australian neobank built on top of Bendigo and Adelaide Bank's APRA-regulated charter — direct FCS AUD 250,000 cover via the parent. Strongest Australian neobank UX for under-35 consumers; budgeting and pay-day forecasting are best-in-class. No FX markup makes it travel-friendly.
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
Affiliate link — we earn a referral fee if you fund the account. How we work.
- Best for fees Revolut won 2 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Up Bank?
Under our v3 methodology, Revolut leads Up Bank 9–1 across 12 dimensions. Composite scores: Revolut 91/100 vs Up Bank 55/100. 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 Up Bank cheaper?
Monthly fee — Revolut: €0; Up Bank: €0. Card FX markup — Revolut: Interbank; Up Bank: 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 Up Bank?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Up Bank holds a Payment inst. licence under PRA; deposit guarantee per depositor: Safeguarded. Revolut is the stronger pick on regulatory protection.
Where can I use Revolut and Up Bank?
Revolut operates in 48 countries; Up Bank 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.