Revolut investing lets you buy stocks, ETFs, crypto, and (in some regions) commodities straight from the same app that holds your spending money, with fractional shares and a handful of commission-free trades each month. It works, but it is not a full brokerage: there is no US retirement wrapper, thin research, and a narrow account structure.
Key takeaways
- Revolut bundles investing into its banking app. For a US investor that means taxable stock, ETF, and crypto trading through Revolut Securities Inc. (member FINRA and SIPC), with execution historically routed through DriveWealth LLC.
- The draw is convenience and low entry cost: fractional shares from about $1 and a set number of commission-free stock trades per month that scales with your plan tier.
- The dealbreaker for FIRE savers is structural. As of 2026 the US app offers no IRA, Roth, or other tax-advantaged account, so every gain and dividend lands in a taxable account. Compare that with a dedicated broker in the best Fidelity ETFs for a Roth IRA.
- Custody, regulation, and protection differ sharply by region. US assets sit with a FINRA/SIPC broker; UK and EEA investors use separate Revolut entities with different rules.
- Fees and features change often and vary by country. Always confirm the current numbers on Revolut's own fees page for your region before you act.
What Revolut investing actually offers
Revolut started in 2015 as a multi-currency banking app and later added investing. The pitch is simple: hold cash, spend, and invest in one place. In the US you can trade US-listed stocks and ETFs, buy fractional shares, set up recurring buys, and trade major cryptocurrencies. The stock list covers most large, liquid US names but is narrower than a traditional broker, and there are no mutual funds, bonds desk, or options for US retail users.
Commodities such as gold, silver, platinum, and palladium are offered to EEA clients, per Revolut's regional help pages; US availability is not confirmed and should be checked in-app. If your goal is simply broad-market index exposure, the mechanics of buying an index fund inside the app are covered in our sibling guide on buying the S&P 500 through Revolut. This article stays on the platform as a whole.
Fees, plans, and availability by region
The figures below reflect third-party reviews and Revolut help pages as of 2026. Revolut changes pricing frequently and it differs by country, so treat this as a starting point, not a quote.
| Item | US (Revolut Securities Inc.) | UK (Revolut Trading Ltd) | EEA (Revolut Securities Europe UAB) |
|---|---|---|---|
| Regulator | SEC and FINRA | FCA | Bank of Lithuania |
| Investor protection | SIPC up to $500,000 (incl. up to $250,000 cash) | FSCS (deposit and investment protection, limits differ) | Shared SIPC-style pool via custody; EU investor rules |
| Commission-free trades | Standard 1/mo, Plus 3, Premium 5, Metal 10, Ultra 10 (per 2026 reviews) | Similar tiered monthly allowance | Similar tiered monthly allowance |
| Fee beyond allowance | Greater of 0.25% (0.12% Ultra) or $1 minimum | 0.25% (0.12% higher tiers), min applies | 0.25% (0.12% higher tiers), min EUR 1 |
| Fractional shares | Yes, from about $1 | Yes | Yes |
| Crypto | Yes | Yes | Yes |
| Commodities | Not confirmed | Limited | Gold, silver, platinum, palladium |
| Tax-advantaged account | None | Stocks and Shares ISA (up to GBP 20,000/yr) | Local wrappers vary |
A few things to watch. FX fees apply when you buy a security in a currency other than your base balance, and those fees are lower on higher tiers, per Revolut's disclosures. Crypto is priced with a spread rather than a flat commission. Paid tiers (in the US, Metal around $14.99/mo and Ultra around $45/mo per 2026 reviews) raise your free-trade count and cut per-trade costs, so the math only favors upgrading if you trade often.
Regulation and custody
This is where a HNW investor should slow down. Revolut is not one brokerage; it is several regional entities.
In the US, investing is offered by Revolut Securities Inc., a member of FINRA and SIPC. Execution and custody have historically run through DriveWealth LLC, which segregates client shares in a custody account. If the clearing broker fails, SIPC protects securities and cash up to $500,000 in aggregate, including up to $250,000 in cash. SIPC covers broker failure, not market losses, and the protection is shared across accounts at that broker, not a per-position guarantee.
In the UK, investment services come from Revolut Trading Ltd, which is FCA-authorised. Revolut also became a fully licensed UK bank in 2026, but that bank license covers deposits, not the value of your investments. EEA investors were migrated to Revolut Securities Europe UAB, with its own protection pool and rules. The practical point: your legal counterparty, your regulator, and your protection scheme all depend on where you signed up. Verify which entity holds your account before you fund it.
Who Revolut investing is for, and who should skip it
It fits a specific profile. If you are already a Revolut banking customer, want to put small or recurring amounts into a handful of stocks or crypto without opening a separate account, and value the one-app experience over depth, it does the job. Fractional shares and low minimums make it a reasonable place to start a taxable position or dollar-cost-average into an index fund.
It does not fit a serious FIRE or HNW strategy as a primary account. The core problem is the missing tax-advantaged wrapper. US users get no IRA, Roth IRA, SEP, or 401(k) rollover, so Revolut cannot house the accounts that do the heaviest lifting for early retirement. There is no tax-loss harvesting tooling, limited research and screening, no bonds or options for US retail, and a stock universe thinner than a full broker. For anyone optimizing for decades of tax-efficient compounding, that is disqualifying for the bulk of a portfolio.
The sensible pattern for most FIRE investors is to keep the core in a dedicated brokerage with tax-advantaged accounts and low-cost funds, then treat Revolut, if at all, as a convenient satellite for small taxable or crypto bets. For the broader landscape of platforms and strategies, start at our investing hub.
Bottom line: Revolut investing is a genuinely handy feature bolted onto a banking app, not a replacement for a real brokerage. Use it for what it is good at, confirm the current fees and the entity holding your money, and keep your tax-advantaged compounding somewhere built for it.
Frequently asked questions
What can you invest in with Revolut?
Revolut lets you buy stocks, ETFs, crypto, and in some regions commodities straight from the same app that holds your spending money, with fractional shares from about $1 and a set number of commission-free trades each month that scales with your plan tier. In the US that means taxable trading through Revolut Securities Inc., a FINRA and SIPC member.
Does Revolut offer a Roth IRA or other retirement account?
No, as of 2026 the US Revolut app offers no IRA, Roth IRA, SEP, or 401(k) rollover, so every gain and dividend lands in a taxable account. This is the structural dealbreaker for FIRE savers, since Revolut cannot house the tax-advantaged accounts that do the heaviest lifting for early retirement.
Is your money protected on Revolut?
Protection depends on your region. In the US, investing runs through Revolut Securities Inc., with custody historically through DriveWealth LLC, and SIPC protects securities and cash up to $500,000, including up to $250,000 in cash. SIPC covers broker failure, not market losses. UK and EEA investors use separate Revolut entities with different regulators and protection schemes.
Who should use Revolut investing, and who should skip it?
It fits existing Revolut banking customers who want to put small or recurring amounts into a handful of stocks or crypto without opening a separate account, valuing the one-app experience over depth. It does not fit a serious FIRE or high-net-worth strategy as a primary account, given the missing tax-advantaged wrapper, thin research, and a stock universe narrower than a full broker.