Revolut Trading

30-second summary

⭐ InvestBeacon Rating: 8.1 / 10

✅ Best for: Existing Revolut users who want the simplest possible way to start investing without opening a separate brokerage account.

💰 Fees: Competitive for casual investors, but commissions after your included monthly trades and FX conversion costs make it less attractive for frequent investing than dedicated brokers.

📱 Standout feature: Investing is fully integrated into the Revolut app, allowing you to manage spending, savings and investments from a single platform.

🏦 Safety: Provided through Revolut Securities Europe UAB, regulated by the Bank of Lithuania under the MiFID II framework.

⚠️ Worth knowing: Revolut is an excellent financial app with investing capabilities — but it's not a dedicated investing platform. More experienced investors will likely outgrow it over time.

The easiest way to start investing — if you're already a Revolut user

Most brokers ask you to download another app. Revolut doesn't. If you already trust the app with your salary, your daily spending and your savings, making your first investment feels like a natural next step — and that convenience is Revolut's biggest competitive advantage.

Rather than building a broker first and adding banking later, Revolut has done the opposite. It built one of Europe's most popular financial apps — and then made investing part of it. For millions of users, that's exactly what makes it appealing.

InvestBeacon Tested

During our research, one thing became immediately clear. Revolut isn't trying to compete with Interactive Brokers. It isn't trying to replace Saxo. And it isn't trying to become the most advanced investing platform in Europe. Instead, Revolut focuses on removing the biggest barrier that stops many people from investing in the first place: getting started.

If you already use Revolut every day, making your first investment feels like enabling another feature — not opening a completely new financial account. That simplicity is difficult to replicate.

What makes Revolut Investing different?

Every broker we've reviewed has a clear identity. Trading 212 focuses on automation. Trade Republic combines investing with banking. Lightyear delivers one of the cleanest investing experiences available. Interactive Brokers is built for professionals. Revolut takes a completely different approach — it integrates investing into an app millions of Europeans already open every single day.

Instead of asking users to adopt another financial product, it simply extends one they're already comfortable using. That lowers the barrier to entry dramatically.

Who is Revolut Investing built for?

After reviewing the platform, we believe Revolut Investing is best suited to people who already use Revolut as their primary financial app. If you're looking to make your very first investment, buy a few stocks or ETFs, or gradually build the habit of investing alongside your everyday finances, the experience feels incredibly natural.

However, if you're planning to build a large portfolio, optimise fees over decades or access a wide range of international markets, you'll eventually find the platform more limiting than dedicated brokers such as Interactive Brokers, Trading 212 or Freedom24. Revolut excels at helping people start investing — it isn't necessarily designed to be the platform they stay with forever.

Why investors choose Revolut Investing

Investing costs depend on your Revolut plan

Unlike most brokers, Revolut doesn't have a single pricing model. Instead, your investing costs depend on which Revolut subscription plan you use. The higher your plan, the more commission-free trades you receive each month. For occasional investors, that's often enough — but it's important to understand what happens once those free trades are used.

Revolut plans at a glance

Although pricing varies slightly between countries, the structure remains broadly the same:

One important thing to remember: you're not paying for an investing subscription — you're paying for a Revolut subscription that also includes investing benefits.

Trading commissions

After you've used your included commission-free trades, Revolut typically charges 0.25% of the trade value with a €1 minimum for most European customers. Higher-tier plans benefit from lower commission rates. For small, infrequent investments, this isn't a major issue — but for investors making frequent purchases throughout the month, those costs can accumulate surprisingly quickly.

FX conversion

If you're buying investments denominated in another currency, Revolut may apply foreign exchange conversion fees, depending on your plan and how you exchange currencies. One advantage of the broader Revolut ecosystem is that many users already use Revolut for currency exchange before investing — if you're on a paid plan with favourable FX allowances, you may be able to reduce overall currency conversion costs.

Fractional investing

Revolut allows you to buy fractional shares from as little as €1. That makes the platform highly accessible for new investors — instead of waiting until you can afford an entire share of a high-priced company, you can gradually build your portfolio with fixed monthly amounts. For beginners, this removes one of the biggest psychological barriers to investing.

Where Revolut becomes less competitive

While the pricing looks attractive at first glance, there are important limitations. Your investing experience is closely tied to your Revolut subscription. Commissions begin to apply once you've exceeded your monthly allowance. And while the investment offering has expanded significantly in recent years, Revolut still doesn't offer the pricing flexibility or market depth available through dedicated brokers such as Interactive Brokers or Trading 212.

That's perfectly acceptable if investing is just one part of how you use Revolut. It's less compelling if investing is your primary objective.

User experience — investing as a natural extension of the app

Most investment platforms require you to learn a completely new interface. Revolut doesn't. If you've ever sent money, exchanged currencies or managed your budget through the app, investing feels immediately familiar — the same design language, the same navigation, the same mobile-first experience. Everything feels like part of a single financial ecosystem rather than a separate brokerage account.

After comparing Revolut with every broker we've reviewed so far, one thing became obvious: no platform makes investing feel more approachable — not because it has the simplest investing tools, but because millions of people already know how to use the app.

Product selection

Revolut has expanded its investment offering significantly over the past few years. Today, eligible customers can invest in stocks, ETFs, fractional shares, bonds (in supported regions), Flexible Cash Funds (in supported markets), commodities (where available) and crypto through the broader Revolut ecosystem.

For most beginner investors, that's more than enough. However, compared with dedicated brokers, the investment universe remains relatively limited. The ETF selection in particular is considerably smaller than Interactive Brokers, Trading 212, Freedom24 or Saxo — for experienced investors who want access to niche UCITS ETFs or very specific investment products, that limitation becomes noticeable.

Safety and regulation

Investment services for customers in the European Economic Area are provided through Revolut Securities Europe UAB, a regulated investment firm supervised by the Bank of Lithuania under the MiFID II framework. Client assets are held separately from the company's own assets in accordance with European regulation.

For investors, that's an important distinction. While no regulation removes market risk, strong regulatory oversight helps reduce the operational risk associated with the institution holding your investments.

One important limitation

Despite all its strengths, Revolut Investing still isn't a dedicated brokerage platform — and that becomes increasingly apparent as your investing experience grows. Compared with brokers such as Interactive Brokers or Saxo, you'll find fewer advanced order types, a smaller ETF universe, less portfolio analysis, fewer research tools and limited flexibility for experienced investors.

For many users, none of these things matter. For others, they're exactly why Revolut eventually becomes a stepping stone rather than a permanent investing platform.

What we'd like to see improved

Revolut vs the competition

Revolut vs Trade Republic

Both platforms combine everyday finance with investing — the difference is that Trade Republic has evolved into a broker with banking features, while Revolut has evolved into a banking app with investing features. Trade Republic offers a broader investment experience and remains the stronger choice if investing is your primary objective. Revolut wins on convenience: if you're already deeply integrated into the Revolut ecosystem, investing without leaving the app feels incredibly natural.

Revolut vs Trading 212

Trading 212 is, in our opinion, the stronger dedicated investing platform. Its zero-commission model, Pies, AutoInvest functionality and broader ETF selection make it better suited to long-term investors. Revolut focuses on accessibility. If your goal is to build a serious investment portfolio over many years, we'd lean towards Trading 212. If your goal is simply to start investing with as little friction as possible, Revolut is hard to beat.

Revolut vs Lightyear

Both platforms are exceptionally beginner-friendly. Lightyear offers a cleaner investing experience with lower costs for many investors and a stronger focus on investing itself. Revolut offers something different: everything happens inside one app. If investing is your main priority, we'd probably choose Lightyear. If convenience is your priority, Revolut becomes extremely compelling.

Revolut vs Interactive Brokers

These platforms target completely different audiences. Interactive Brokers offers institutional-grade tools, access to global markets and some of the lowest long-term costs available. Revolut offers simplicity. Interactive Brokers helps experienced investors optimise their portfolios — Revolut helps beginners make their first investment.

If we had to describe Revolut Investing in one sentence...

Revolut Investing is the easiest way to start investing if Revolut is already part of your everyday financial life.

Final verdict

Revolut Investing isn't trying to become Europe's most advanced broker — and that's exactly why it works. Instead of overwhelming new investors with complex trading tools, it focuses on making investing accessible through an app millions of people already know and use every day.

The onboarding experience is excellent. The mobile interface is among the best we've tested. Fractional investing, stocks, ETFs and bonds give beginners everything they need to start building wealth. At the same time, the ETF selection is relatively modest compared with dedicated brokers, trading costs become less competitive once you've used your included monthly trades, and experienced investors will eventually miss the flexibility, research tools and broader market access available elsewhere.

For us, Revolut isn't the platform we'd choose to manage a large, long-term investment portfolio. But that's not the role it's trying to fill. It's the platform we'd recommend to someone who already uses Revolut every day and wants the simplest possible way to take their first step into investing. For that audience, it does an excellent job.

Should you open a Revolut account?