Revolut vs Relay.
Revolut (R91/100) and Relay (R68/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Relay 9-1.
| R Relay №37 · FDIC 68 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 68 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded No DGS | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Relay if…
The Profit-First-aligned multi-checking neobank — 20 real checking accounts (not virtual envelopes) and 50 debit cards under one login, with granular multi-user roles. Where Mercury / Bluevine / Novo all give you one operating account plus virtual sub-pockets, Relay gives you 20 separately-FDIC-mapped checking accounts that auto-transfer between each other on percentage- or amount-based rules. That is the structural fit for Mike Michalowicz's Profit First method (Income / Profit / Owner's Pay / Tax / OpEx envelopes), and Relay has been the official Profit First banking platform since 2023. Sponsor bank is Thread Bank (TN-chartered) with a $3M sweep — Thread's May 2024 FDIC consent order was terminated December 2025 with no customer-funds incident at Relay.
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
- Best for fees Revolut won 2 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Relay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Relay better than Revolut?
Under our v3 methodology, Revolut leads Relay 9–1 across 12 dimensions. Composite scores: Relay 68/100 vs Revolut 91/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Relay or Revolut cheaper?
Monthly fee — Relay: €0; Revolut: €0. Card FX markup — Relay: Interbank; Revolut: Interbank. Revolut wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Relay or Revolut?
Relay holds a Partner-bank licence under FDIC; deposit guarantee per depositor: Safeguarded. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Revolut is the stronger pick on regulatory protection.
Where can I use Relay and Revolut?
Relay operates in 1 country; Revolut operates in 48 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.