Revolut vs Kakao Bank.
Revolut (R91/100) and Kakao Bank (K78/100), 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 Kakao Bank 7-1.
| K Kakao Bank №10 · KDIC 78 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /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 | Full bank KDIC | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | €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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
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 Kakao Bank won 1 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Kakao Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Kakao Bank better than Revolut?
Under our v3 methodology, Revolut leads Kakao Bank 7–1 across 12 dimensions. Composite scores: Kakao Bank 78/100 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 Kakao Bank or Revolut cheaper?
Monthly fee — Kakao Bank: €0; Revolut: €0. Card FX markup — Kakao Bank: 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, Kakao Bank or Revolut?
Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Kakao Bank is the stronger pick on regulatory protection.
Where can I use Kakao Bank and Revolut?
Kakao 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.