Revolut vs Novo.
Revolut (R91/100) and Novo (N72/100), 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 Novo 8-2.
| N Novo №28 · FDIC 72 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /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 | Partner-bank FDIC | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | $250,000 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 | No | Yes |
| UX | ||
| Trustpilot Customer score | 3.0 ★ 1k reviews | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Novo if…
The integration-first US business neobank. Boost is the structural feature: Stripe and Square payouts arrive 1-2 business days earlier than at any competitor, which materially shifts cash-flow timing for e-commerce sellers and agencies invoicing on net-30. The third-party app marketplace (~11+ named integrations including Wise for cross-border) is deeper than Bluevine, Mercury, or Found, and Middlesex Federal Savings has been the continuous sponsor bank since launch — uncommon stability in BaaS. Trade-off: $250K single-bank FDIC ceiling (no sweep), no yield product, and weaker multi-user permissions than Relay.
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 Tied
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Novo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Novo better than Revolut?
Under our v3 methodology, Revolut leads Novo 8–2 across 12 dimensions. Composite scores: Novo 72/100 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 Novo or Revolut cheaper?
Monthly fee — Novo: €0; Revolut: €0. Card FX markup — Novo: 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, Novo or Revolut?
Novo holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Novo and Revolut?
Novo 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.