Banking & beyond

Eligible deposits are insured by the Lithuanian Deposit Insurance Scheme but some exceptions may apply. Learn more.

FOR PERSONAL LOANDS AND CREDIT CARDS

¹RevPoints are a loyalty feature linked to your Revolut plan, not a benefit of your credit card. Credit card and plan are separate products — you don’t need to change your plan to apply. RevPoints require activation. T&Cs apply.

Representative example: get a €4,100 credit limit with an annual fixed interest rate of 15% by signing an open-ended contract. Assuming that you use the credit limit for 3 months, the total amount payable will be €4,255.01, while the APR (Annual Percentage Rate) will equal 16.08%. If you use your credit, the minimum monthly payment will be 3% of the used credit but not less than €10 and accrued interest (if any). There won’t be any monthly payments or any interest if you don’t use the credit.

What is the effective APR? (APR: annual percentage rate) — the effective rate charged for your loan, which includes the total interest rate plus any additional fees and charges.

Credit is a commitment and must be repaid. Check your ability to repay before committing yourself. All credit card applications are subject to approval.

²Instant Access Savings offer annual interest paid daily. The interest rate depends on the type of plan you have, from 2% per annum in the Standard Plan to 3.5% per annum in the Ultra plan. The maximum deposit amount is €100,000. We have a right to change the interest rate as defined in the Terms. Eligible deposits are insured by the Lithuanian Deposit Insurance scheme (Public Institution “Deposit and Investment Insurance”). Revolut Bank UAB is a bank established in the Republic of Lithuania authorised and regulated by the Bank of Lithuania and the European Central Bank, more information on our Lithuanian website.

³Grace period refers to the period during which interest is accrued but not charged on purchases. The period runs from the first day of the billing cycle or the first day of the month, until the next due date or the last day of the next calendar month. You need to repay in full by the due date or the end of the grace period to avoid being charged interest.

FOR INVESTING: Capital risk

⁴Custody fees are operational charges that some financial service providers pass on to investors for providing them the service of holding in custody their financial instruments. We don’t charge custody fees on our investment services.

⁵The value of investments can go up as well as down and you may receive less than your original investment or lose the value of your entire initial investment. Past performance and forecasts are not a reliable indicator of future results. Currency rate fluctuations can adversely impact the overall returns on your original investment. Further information can be found on our Risk Disclosure and Invest FAQ.

Investment services are provided by Revolut Securities Europe UAB. Information contained herein is not a personal recommendation, investment advice or offer to take any investment decision, therefore you must carefully consider your financial situation, review relevant documents and information or seek professional independent advice before entering into financial transactions or subscribing to new investment services.

Revolut Securities Europe UAB (company code: 305799582; registered address: Konstitucijos ave. 21B, Vilnius, Lithuania, LT-08130) is a Lithuanian investment firm authorised and regulated by the Bank of Lithuania. Revolut’s cryptocurrency services are offered by Revolut Digital Assets Europe Ltd (RDAEL) (company code: HE430310; registered address: Pikioni, 10 Flat/Office 5, 3075, Limassol, Cyprus). Commodities services are provided by Revolut Ltd (company code: 08804411; registered address: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD).

⁶FOR CRYPTO: Capital at risk.

You must be satisfied that this crypto offering is suitable for you in light of your financial circumstances and attitude towards risk before starting. The price or value of cryptocurrencies can rapidly increase or decrease at any time (and may even fall to zero). The risk of loss in holding cryptocurrencies can be substantial. Funds received by us in relation to cryptocurrency transactions will not be safeguarded or covered by the Cyprus Investor Compensation Fund. We do not make any representation regarding the advisability of transacting in cryptocurrency. We cannot guarantee the timeliness, accurateness, or completeness of any data or information used in connection with you holding any exposure to cryptocurrencies.

Revolut’s cryptocurrency service is offered by Revolut Digital Assets Europe Ltd (RDAEL), and is not regulated other than for the purposes of money laundering. Revolut Digital Assets Europe Ltd (RDAEL) is registered with the Cyprus Securities and Exchange Commission to offer crypto asset services under the Prevention and Suppression of Money Laundering and Terrorist Financing Law. Its registration number is 001/22 and its company registration number is ΗΕ430310. Its registered address is Pikioni, 10 Flat/Office 5, 3075, Limassol, Cyprus.