Revolut vs Discovery Bank.
Revolut (R91/100) and Discovery Bank (D45/100), 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 Discovery Bank 11-0.
| D Discovery Bank №82 · SARB 45 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €95 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. SARB | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded ZA.CODI | €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 4.4 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Discovery Bank if…
Premium ZA digital-first bank backed by JSE-listed Discovery Group. SARB full-bank licence since 2019. Vitality Money behavioural-banking model — your rates and rewards rise with healthy financial behaviour, integrated with Discovery Health/Life. CODI cover. The only ZA digital bank with a serious premium-tier offering (Black tier with metal card, lounges, Vitality Travel).
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 4 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 2 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Discovery Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Discovery Bank better than Revolut?
Under our v3 methodology, Revolut leads Discovery Bank 11–0 across 12 dimensions. Composite scores: Discovery Bank 45/100 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 Discovery Bank or Revolut cheaper?
Monthly fee — Discovery Bank: €95; Revolut: €0. Card FX markup — Discovery Bank: 1.50%; Revolut: Interbank. Revolut wins more fee rows (4 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Discovery Bank or Revolut?
Discovery Bank holds a Payment inst. licence under SARB; 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 Discovery Bank and Revolut?
Discovery 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.