Varo Money vs Revolut Singapore.
Varo Money (V82/100) 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 Varo Money 5-4.
| R Revolut Singapore №64 · MAS 52 /100 | V Varo Money №04 · OCC 82 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 82 /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 | Payment inst. MAS | Full bank OCC |
| Deposit guarantee Per depositor | Safeguarded SG.SDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 4 countries | 1 country |
| Crypto Coins available | 30 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.8 ★ 1k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
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.
Pick Varo Money if…
First US neobank to receive an OCC national bank charter (July 2020). Direct FDIC member — your money sits at Varo Bank, N.A., not a sponsor. Headline 5.00% APY savings rate on the first $5K with direct deposit — among the highest in the US neobank market.
- Best for fees Revolut Singapore won 1 of 4
- Best for protection Varo Money won 2 of 2
- Best for reach Revolut Singapore won 3 of 3
- Best for ux Tied
Varo Money vs Revolut Singapore — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut Singapore better than Varo Money?
Under our v3 methodology, Revolut Singapore leads Varo Money 5–4 across 12 dimensions. Composite scores: Revolut Singapore 52/100 vs Varo Money 82/100. Revolut Singapore is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut Singapore or Varo Money cheaper?
Monthly fee — Revolut Singapore: €0; Varo Money: €0. Card FX markup — Revolut Singapore: Interbank; Varo Money: 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, Revolut Singapore or Varo Money?
Revolut Singapore holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Varo Money holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Varo Money is the stronger pick on regulatory protection.
Where can I use Revolut Singapore and Varo Money?
Revolut Singapore operates in 4 countries; Varo Money 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.