Open a checking account online with Revolut

To open a Revolut checking account, you'll need:

• The Revolut app for iOS or Android
• Be at least 18 years old and a legal resident of a supported country
• Have a valid government-issued document for identity verification
• Provide some personal details like your name, phone number, address, and a few others
• Provide a selfie for account security
• You may also be asked a few questions about yourself and the purpose of your account. These questions won't impact your eligibility.

We’ll guide you through the process step by step — right in the app.

Yes. You can open a Revolut checking account for free with our Standard plan — no set-up or monthly maintenance fees. You can also upgrade to a paid plan for extra features and perks.

A checking account is a financial account designed for your everyday money management. It's where you typically deposit your income, pay bills, and handle your daily spending. The primary purpose of a checking account is to provide easy and frequent access to your funds.

At Revolut, your main account functions as a modern checking account, offering a suite of digital features tailored for effortless money management:

• Deposits & payments: Seamlessly receive income via direct deposit, make purchases with your Revolut card, set up recurring payments, and send money transfers globally
• Instant notifications: Stay on top of your spending with real-time alerts for every transaction
• Budgeting & analytics: Take control of your finances with in-app tools that help you track spending, set budgets, and gain insights into your money habits
• Multi-Currency capabilities: Easily hold, exchange, and spend in multiple currencies, perfect for travel or international transactions (features and fees vary by plan)
• Security features: Manage your card security directly from the app, including freezing/unfreezing your card, enabling disposable virtual cards, and more
• Digital convenience: Access all your banking services, view transactions, and manage your account conveniently through our intuitive online platform and mobile app

Yes. Revolut uses two-factor authentication to make sure you're the only one who can log into your account, and we'll send you anti-fraud warnings in-app if we suspect that a transfer may be a scam. We also protect your personal data with our full-stack security systems.

Additionally, we use other security methods that vary depending on the Revolut entity you're registered to.

At Revolut, we do not offer interest rates on the balance held in your primary checking account. Our main account is designed for your day-to-day spending and transactions, offering instant access and powerful money management features.

However, we understand you want your money to work harder. That's why we offer dedicated Instant Access Savings accounts. These are separate savings features within your Revolut app where you can move your idle money to earn competitive interest rates.

You can earn up to 2 % interest per annum variable with Instant Access Savings.¹

With our Instant Access Savings, you can benefit from:

• Competitive rates: Interest rates vary by your Revolut plan (Standard, Plus, Premium, Metal, Ultra), with higher plans typically offering better returns
• Daily interest: Interest is calculated daily, helping your money grow consistently
• Flexible access: You can move your money back to your main checking account whenever you need it, often with instant access and no withdrawal fees

So, while your main checking account doesn't earn interest, we provide a seamless way to grow your savings through our dedicated Savings Account.

Yes. You can open a Revolut checking account without a credit check, including SCHUFA in Germany.

When you sign up for a basic Revolut current account, we do not perform a credit check. Our fundamental account services operate on a debit basis, meaning you spend the funds you have in your account.

It's important to understand that while opening your account with us does not involve a credit check, if you later apply for any credit products we offer, a credit check will be conducted as part of that specific application process.

Many people choose to keep 1–2 months’ worth of everyday expenses in their checking account. This helps cover regular spending, bills, and unexpected costs.

To determine your ideal amount:

• Utilize Revolut's Money Management Features: Take advantage of our in-app budgeting tools and spending analytics. These features help you easily track your income and expenses, giving you a clear picture of your monthly outgoings and helping you make informed decisions about how much to keep in your checking account.
• Calculate & Buffer: Once you understand your typical monthly spend, multiply this total by one or two, depending on your comfort level and financial stability

Then, what is the maximum amount to keep in a checking account?

For funds beyond this operational buffer, we advise moving them into our dedicated Instant Access Savings accounts.

This allows your money to potentially grow by earning interest, rather than sitting idle in your checking account.

Additionally, consider building a separate emergency fund in an accessible savings account, ideally covering 3 to 6 months of living expenses, for larger unforeseen circumstances.

The terms "checking account" and "bank account" are often used interchangeably, but "bank account" is actually a broader category.

Here's the distinction:

• Bank account: This is a general term for any type of financial account you hold with a bank or financial institution. It's the umbrella term that covers various ways to manage your money. Within a "bank account," you can have different specialied accounts
• Checking account: A checking account is a particular type of bank account designed for your everyday financial transactions. Its primary purpose is to provide easy and frequent access to your funds for daily spending, bill payments, and receiving income

At Revolut, your main account works as a checking account — with all the tools you need to manage your money. While we provide you with financial services under the "Revolut bank account" umbrella, the main account you use for your day-to-day money management is designed precisely for the quick transactions and liquidity a checking account offers.

In summary, all checking accounts are bank accounts, but not all bank accounts are checking accounts.

Choosing the best checking account truly depends on your personal financial habits and priorities.

Here’s what to look for when choosing a checking account:

• Look for a checking account with low or no monthly fees — and be aware of any charges for ATM withdrawals, international transfers, or specific services. With Revolut, the Standard plan is free for everyday banking, and our pricing is fully transparent across all plans.

• Check the digital experience, managing your money should be simple. ook for an app with smart budgeting tools, instant spend notifications, and real-time analytics. The Revolut app provides all these features and more, giving you real-time insights and a highly intuitive interface to manage your finances from anywhere.

• Think about your spending habits. If you travel often or pay in different currencies, you’ll want competitive exchange rates and low international transfer fees. Revolut gives you both — with generous allowances on paid plans.

• Consider ATM access. Need cash? Make sure your provider offers fee-free ATM withdrawals. With Revolut, you can withdraw up to your plan’s limit — at home or abroad.

• Support matters. 24/7 support is a must when something goes wrong. Revolut’s in-app chat is available around the clock, so help is always just a few taps away.

• Prioritise security. Look for strong fraud protection and deposit guarantees. Revolut is a licensed bank, with security tools like two-factor authentication, instant card freeze, and deposit protection (up to €100,000 under the Lithuanian Deposit Insurance Scheme).

By keeping these points in mind, you can choose a checking account that fits your lifestyle — and gives you the tools to stay in control of your money.