Revolut vs Tonik.
Revolut (R91/100) and Tonik (T53/100), 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 Tonik 10-0.
| R Revolut №01 · Bank of Lithuania 91 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 53 /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 | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | — |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | Payment inst. BSP |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 1 country |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
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.
Pick Tonik if…
First holder of one of the 6 BSP digital-bank licences. Headline 6.0% APY on Stash savings is among the highest in PH retail banking — the structural inflation hedge for PHP holders. PDIC-insured, BSP-supervised — fully chartered, not partner-bank.
- 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 Tonik — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Tonik?
Under our v3 methodology, Revolut leads Tonik 10–0 across 12 dimensions. Composite scores: Revolut 91/100 vs Tonik 53/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or Tonik cheaper?
Monthly fee — Revolut: €0; Tonik: €0. Card FX markup — Revolut: Interbank; Tonik: 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, Revolut or Tonik?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Revolut is the stronger pick on regulatory protection.
Where can I use Revolut and Tonik?
Revolut operates in 48 countries; Tonik operates in 1 country. 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.