Revolut vs Mukuru.
Revolut (R91/100) and Mukuru (M63/100), 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 Mukuru 10-0.
| M Mukuru №46 · FCA 63 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 63 /100 | 91 /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 | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded ZA.CODI | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Mukuru if…
Pan-African remittance + financial-services platform — operates across Southern Africa + UK. ~14M users. Mauritius FSC-licensed parent. Cash-out via 100K+ Mukuru agents — physical reach is the structural differentiator. The other half of the pan-African angle alongside Chipper Cash.
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 2 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Mukuru — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mukuru better than Revolut?
Under our v3 methodology, Revolut leads Mukuru 10–0 across 12 dimensions. Composite scores: Mukuru 63/100 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 Mukuru or Revolut cheaper?
Monthly fee — Mukuru: €0; Revolut: €0. Card FX markup — Mukuru: Interbank; Revolut: 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, Mukuru or Revolut?
Mukuru holds a E-money inst. licence under FCA; 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 Mukuru and Revolut?
Mukuru operates in 7 countries; 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.