Revolut vs Ally Bank.
Revolut (R91/100) and Ally Bank (A58/100), 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 Ally Bank 9-1.
| A Ally Bank №55 · OCC 58 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. OCC | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded 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 | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Ally Bank if…
OCC-chartered direct bank, NYSE-listed (ALLY). One of the original US online-only banks (continuous since 2009). Best-in-class US savings APY among national banks; FDIC pass-through is direct, not partner-bank. The grown-up alternative to Chime/Cash App for depositors who want chartered-bank cover.
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 3 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Tied
Revolut vs Ally Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Ally Bank better than Revolut?
Under our v3 methodology, Revolut leads Ally Bank 9–1 across 12 dimensions. Composite scores: Ally Bank 58/100 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 Ally Bank or Revolut cheaper?
Monthly fee — Ally Bank: €0; Revolut: €0. Card FX markup — Ally Bank: 1.00%; Revolut: Interbank. Revolut wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Ally Bank or Revolut?
Ally Bank holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Revolut is the stronger pick on regulatory protection.
Where can I use Ally Bank and Revolut?
Ally Bank 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.