Revolut vs Varo Money.
Revolut (R91/100) and Varo Money (V82/100), 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 Varo Money 7-2.
| R Revolut №01 · Bank of Lithuania 91 /100 | V Varo Money №04 · OCC 82 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 82 /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 | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.5 |
| 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 Varo Money if…
First US neobank to receive an OCC national bank charter (July 2020). Direct FDIC member — your money sits at Varo Bank, N.A., not a sponsor. Headline 5.00% APY savings rate on the first $5K with direct deposit — among the highest in the US neobank market.
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 Varo Money won 1 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Varo Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Varo Money?
Under our v3 methodology, Revolut leads Varo Money 7–2 across 12 dimensions. Composite scores: Revolut 91/100 vs Varo Money 82/100. 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 Varo Money cheaper?
Monthly fee — Revolut: €0; Varo Money: €0. Card FX markup — Revolut: Interbank; Varo Money: 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 Varo Money?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Varo Money holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Varo Money is the stronger pick on regulatory protection.
Where can I use Revolut and Varo Money?
Revolut operates in 48 countries; Varo Money 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.