Yes, you can invest in the S&P 500 through Revolut, but you buy it as an ETF rather than the index itself, and which fund you get depends on where you live. US users buy US-listed funds like VOO, SPY, or IVV. UK and EEA users buy UCITS versions such as VUSA or CSPX. The catch: Revolut holds no ISA or IRA wrapper, so tax shelter has to come from elsewhere.
Key takeaways
- Revolut gives you S&P 500 exposure through ETFs, not a direct index product. The specific ETF is set by your region and regulator.
- US customers trade US-domiciled S&P 500 ETFs (VOO, SPY, IVV) through Revolut's US investing entity.
- UK and EEA customers cannot buy VOO or SPY. Under EU PRIIPs rules, US-domiciled ETFs are not sold to European retail investors, so Revolut offers UCITS equivalents like Vanguard VUSA or iShares CSPX.
- Fractional shares are supported, so you can put in a fixed cash amount rather than the full share price.
- Every plan tier includes a set number of commission-free trades per month. Beyond that allowance you pay a per-trade fee.
- There is no tax wrapper inside Revolut. An ISA (UK) or IRA (US) has to be opened with a different provider.
- Buying a USD-exposed fund with GBP or EUR triggers currency conversion, and Revolut charges an FX markup outside your plan's monthly allowance.
Which S&P 500 ETF you get, by region
The single biggest thing to understand about buying the S&P 500 on Revolut is that your region decides your fund. This is a regulatory split, not a Revolut preference.
| Region | S&P 500 ETF you buy | Fee and plan note |
|---|---|---|
| United States | VOO, SPY, or IVV (US-listed) | Commission-free trades up to your plan's monthly allowance, then 0.25% per trade with a per-country minimum. Source: Revolut US, Aug 2026. |
| UK | VUSA (distributing) or CSPX / VUAG (accumulating), UCITS | Allowance-based free trades, then a flat 1 GBP or 1 EUR per trade beyond it. US-listed VOO and SPY are not available. Source: Revolut UK/EU, Aug 2026. |
| EEA | VUSA, CSPX, VUAA, IUSA (UCITS) | Same allowance model. US-domiciled ETFs blocked to retail under PRIIPs. Source: Revolut EU, Aug 2026. |
Fund fees themselves are low across the board. VUSA and CSPX both carry a 0.07% total expense ratio (iShares and Vanguard fund pages, Aug 2026). Availability of any specific UCITS ticker can vary by country and over time, so confirm the exact fund inside your own app before you buy. If you want to understand the difference between the index and the funds that track it, see SPY vs the S&P 500.
Why Europeans cannot buy VOO or SPY
If you are used to US finance content, this trips people up. VOO and SPY are US-domiciled funds. Under the EU PRIIPs regulation, a fund sold to European retail investors must publish a Key Information Document in the required format, and most US fund issuers do not produce one. The result is that US-listed S&P 500 ETFs are simply not offered to EU and UK retail buyers on any compliant platform, Revolut included.
UCITS funds solve this. A UCITS S&P 500 ETF like VUSA or CSPX holds the same 500 companies and tracks the same index, but it is domiciled in Europe (usually Ireland) and issued in a format European regulators accept. The exposure is the same. The wrapper is different. For the underlying index itself, our S&P 500 hub covers what you are actually buying into.
How to buy the S&P 500 on Revolut, step by step
- Open the Revolut app and go to the Invest or Stocks section. Complete the investment account onboarding if you have not already.
- Search for your regional fund. In the US, search VOO, SPY, or IVV. In the UK or EEA, search VUSA or CSPX and confirm the ticker appears in your app.
- Check the fund detail page, including the expense ratio and whether it is distributing (pays dividends out) or accumulating (reinvests them).
- Choose a cash amount rather than a share count if you want a fractional position. Revolut supports fractional shares, so a fixed sum works.
- If you are funding in GBP or EUR to buy a USD-exposed fund, review the FX conversion before confirming.
- Confirm the order. To automate it, set a recurring buy, which on selected ETFs can waive the per-trade commission.
Fees and free-trade allowances
Each Revolut plan tier bundles a monthly allowance of commission-free trades, then charges per trade after that. Reported allowances as of August 2026 run roughly Standard 1 per month, Premium 5, and Metal 10, though Revolut has changed these numbers before, so treat your own app's fee screen as the source of truth (Revolut and BrokerChooser, Aug 2026).
Beyond the allowance, the fee model differs by region. In the US it is 0.25% of the trade value with a per-country minimum. In the UK and EEA it is a flat 1 GBP or 1 EUR per trade. Recurring buy orders on selected ETFs can sidestep the commission entirely, which suits a regular S&P 500 contribution.
This is where it helps to zoom out to the platform as a whole rather than just the S&P 500 route. Our Revolut investing overview walks through the full account, plan tiers, and what else you can hold.
The two caveats that actually matter
No tax wrapper inside Revolut. This is the big one for long-term investors. A UK ISA or a US IRA shelters your gains and dividends from tax, but Revolut's investing account is a plain taxable account. There is no ISA or IRA option inside the app. If tax-advantaged space matters to you, and for most buy-and-hold S&P 500 investors it should, you may be better holding the fund inside an ISA or IRA at a provider that offers one, and using Revolut for convenience or smaller positions.
FX on non-USD funding. The S&P 500 is priced in dollars. If you fund in GBP or EUR, converting currency to buy a USD-exposed fund can incur an FX fee once you exceed your plan's monthly exchange allowance, with an extra markup at weekends. A UCITS fund bought in your home currency still carries underlying dollar exposure, so currency movement affects your return regardless. None of this is unique to Revolut, but it is easy to overlook.
If you would rather buy the index directly from the fund manager, especially inside a tax wrapper, our Vanguard hub covers that route.
Bottom line
Revolut is a genuinely easy way to start buying the S&P 500, with fractional shares and low fund costs. Just be clear on two things before you commit serious money: your region dictates whether you hold a US-listed ETF or a UCITS one, and Revolut gives you no tax shelter. For a core, long-term holding, the tax wrapper question is worth settling first.
Frequently asked questions
Does Revolut let you buy the S&P 500 index directly?
No, Revolut gives you S&P 500 exposure through ETFs rather than the index itself. US users buy US-listed funds like VOO, SPY, or IVV, while UK and EEA users buy UCITS versions such as VUSA or CSPX. The specific fund is set by your region and regulator, not by Revolut preference.
Why can't European investors buy VOO or SPY on Revolut?
Europeans cannot buy VOO or SPY because they are US-domiciled funds, and under the EU PRIIPs regulation a fund sold to European retail investors must publish a Key Information Document that most US issuers do not produce. UCITS funds like VUSA or CSPX solve this: they hold the same 500 companies and track the same index but are domiciled in Europe.
Can you hold an ISA or IRA inside Revolut?
No, Revolut's investing account is a plain taxable account with no ISA or IRA option inside the app. A UK ISA or US IRA shelters gains and dividends from tax, so for a core long-term holding you may be better holding the fund in a tax wrapper at a provider that offers one, using Revolut for convenience or smaller positions.
Are Revolut stock trades free?
Each Revolut plan tier bundles a monthly allowance of commission-free trades, then charges per trade after that. Reported allowances as of August 2026 run roughly Standard 1, Premium 5, and Metal 10, but Revolut has changed these before. Beyond the allowance the US fee is 0.25% of the trade, and the UK and EEA fee is a flat 1 GBP or 1 EUR.
Does funding in GBP or EUR to buy an S&P 500 ETF cost extra?
Yes, buying a USD-exposed fund with GBP or EUR triggers currency conversion, and Revolut charges an FX markup once you exceed your plan's monthly exchange allowance, with an extra markup at weekends. A UCITS fund bought in your home currency still carries underlying dollar exposure, so currency movement affects your return regardless.