Revolut vs Opay.
Revolut (R91/100) and Opay (O58/100), 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 Opay 9-0.
| O Opay №54 · CBN 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 | 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. CBN | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 5 countries | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 1.5 ★ 5k reviews | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Opay if…
Largest Nigerian mobile-money + neobank hybrid by user count (~50M+). Saudi Aramco-affiliated investor backed. OBank subsidiary holds the bank licence; OPay wallet sits on top. Aggressive cross-EM expansion (Egypt, Pakistan announced). The Nigerian mobile-money rail leader.
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 2 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Opay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Opay better than Revolut?
Under our v3 methodology, Revolut leads Opay 9–0 across 12 dimensions. Composite scores: Opay 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 Opay or Revolut cheaper?
Monthly fee — Opay: €0; Revolut: €0. Card FX markup — Opay: 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, Opay or Revolut?
Opay holds a E-money inst. licence under CBN; 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 Opay and Revolut?
Opay operates in 5 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.