Revolut vs Zand.
Revolut (R91/100) and Zand (Z77/100), 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 Zand 7-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 77 /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 CBUAE |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | €250,000 AE.DPS |
| 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 | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.2 ★ iOS 4.3 · And 4.0 |
| 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 Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Revolut won 2 of 4
- Best for protection Zand won 1 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Zand — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Zand?
Under our v3 methodology, Revolut leads Zand 7–1 across 12 dimensions. Composite scores: Revolut 91/100 vs Zand 77/100. 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 Zand cheaper?
Monthly fee — Revolut: €0; Zand: €0. Card FX markup — Revolut: Interbank; Zand: 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 Zand?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use Revolut and Zand?
Revolut operates in 48 countries; Zand 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.