Relay vs Revolut Singapore.
Relay (R68/100) and Revolut Singapore (R52/100), 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 Singapore leads Relay 5-3.
| R Relay №43 · FDIC 68 /100 | R Revolut Singapore №64 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 68 /100 | 52 /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 | €0 |
| Free ATM Before fee kicks in | — | €350 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. MAS |
| Deposit guarantee Per depositor | Safeguarded No DGS | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 4 countries |
| Crypto Coins available | No | 30 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.8 ★ 1k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Relay if…
The Profit-First-aligned multi-checking neobank — 20 real checking accounts (not virtual envelopes) and 50 debit cards under one login, with granular multi-user roles. Where Mercury / Bluevine / Novo all give you one operating account plus virtual sub-pockets, Relay gives you 20 separately-FDIC-mapped checking accounts that auto-transfer between each other on percentage- or amount-based rules. That is the structural fit for Mike Michalowicz's Profit First method (Income / Profit / Owner's Pay / Tax / OpEx envelopes), and Relay has been the official Profit First banking platform since 2023. Sponsor bank is Thread Bank (TN-chartered) with a $3M sweep — Thread's May 2024 FDIC consent order was terminated December 2025 with no customer-funds incident at Relay.
Pick Revolut Singapore if…
Revolut's APAC arm — Singapore-licensed regional HQ for AU / NZ / JP rollouts. Same multi-currency super-app model with MAS regulation and SDIC SGD 100,000 cover. The default cross-currency option for English-speaking APAC consumers.
- Best for fees Revolut Singapore won 1 of 4
- Best for protection Relay won 1 of 2
- Best for reach Revolut Singapore won 3 of 3
- Best for ux Tied
Relay vs Revolut Singapore — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Relay better than Revolut Singapore?
Under our v3 methodology, Revolut Singapore leads Relay 5–3 across 12 dimensions. Composite scores: Relay 68/100 vs Revolut Singapore 52/100. Revolut Singapore is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Relay or Revolut Singapore cheaper?
Monthly fee — Relay: €0; Revolut Singapore: €0. Card FX markup — Relay: Interbank; Revolut Singapore: Interbank. Revolut Singapore wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Relay or Revolut Singapore?
Relay holds a Partner-bank licence under FDIC; deposit guarantee per depositor: Safeguarded. Revolut Singapore holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Relay is the stronger pick on regulatory protection.
Where can I use Relay and Revolut Singapore?
Relay operates in 1 country; Revolut Singapore operates in 4 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.