Test Revolut : une banque en ligne vraiment révolutionnaire ?

Test Revolut : une banque en ligne vraiment révolutionnaire ?

The Revolut neobank was initially very travel and international oriented. But in eight years the offer has greatly expanded and now offers four different subscriptions – not counting the professional account. The basic offer called Standard is free and gives access to all the services, but does not offer any particular insurance, and the issue of the payment card is invoiced at €5. The first paid offer, Plus, is €2.99 per month and offers purchase insurance. For international trade addicts, the Premium version at €7.99 per month is more interesting with one international payment per month without any fees, no more limits for foreign exchange transactions, numerous insurances and access to lounges airports with a guest. And the most expensive plan, Metal at €13.99 per month, has the highest limits, three free international payments per month, even more insurance and access to airport lounges with three guests, and cash back on the whole.

The particularity of Revolut lies in the way of presenting the services. Thus, the bank does not speak of sub-accounts, but of Vaults by currency or type of action (daily purchases, project, purchase on the stock exchange or cryptocurrencies). In the course of 2022, the Vaults will be joined by Smart Vaults, a first savings offer with interest-bearing accounts where interest will be adjusted every day. Indeed, Revolut does not have, at the time of this writing, any credit or savings offer, but this should change with the introduction of real credit cards and no longer debit payment cards. immediate, and a slight overdraft – which will allow you to pay for your gas at the pump with a Revolut card.

Finally a French IBAN

Since May 18, Revolut now offers a French IBAN (the identification code of your bank account) to its customers, because the company has finally opened an antenna in the country. Previously, Revolut relied on a Lithuanian banking license and therefore offered an IBAN number (located in this country), which some French operators refuse by default or which leads to a delay for operations. Current Revolut customers will be contacted and will have to make the request to switch from one IBAN to another, even if the old one will remain active for 30 days to avoid a problem in the management of transfers and direct debits. The new ones will automatically have a French IBAN.

Similarly, Revolut offers a Junior offer dedicated to 12 to 17 year olds with an application and a dedicated card. It is not a dedicated account, but a sub-account linked to that of the parent. Standard subscribers can have a Junior account; Plus and Premium, two Junior accounts; and Metal, up to 5 Junior accounts. The fintech was also one of the first to offer a cryptocurrency exchange (between themselves and against classic currencies) in December 2017. Since then, its marketplace has become one of the most extensive and counts today today 70 exchangeable cryptocurrencies, in addition to a more classic Stock Exchange offer. And now the neobank is extending its services outside the financial sector. It thus offers the reimbursement of any ticket (concert, train or other) up to €1,000 if you were unable to attend the event. And with its Stays offer, it offers an alternative to AirBNB or Booking directly in the application, in addition to tools dedicated to travel management. In addition, it will soon be possible to book train or plane tickets directly in the application.

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