Personal Finance · alternatives
Alternatives to Revolut
20 personal finance tools sit alongside Revolut in this directory. Below is what separates each from Revolut on the figures we hold, price, model, tier count and rating, and a direct comparison for every one.
- Alternatives listed
- 20
- With a free tier
- 17
- Cheaper to start
- -
- Revolut starts at
- Free
Why people look past Revolut
Nothing on the record flags a reason to move. Revolut has a free tier. People still switch over fit and workflow, and those are not things a catalogue entry can measure, which is what the comparisons below are for.
What each alternative does differently
Ordered by the aggregated rating on each catalogue entry. Differences are drawn from price, pricing model, tier count and rating, the fields the category listing carries. For a feature-level difference, follow the head-to-head link on each card: those pages read both full records.
UK-licensed digital bank with FSCS-protected deposits and no foreign currency card fees
- Sold on a Free core current account; paid Plus and Premium tiers add features model rather than Free standard tier; paid plans add higher limits, insurance and perks.
UK-licensed digital bank with FSCS-protected deposits, built and majority-owned without a US parent
- Sold on a Free personal current account; business accounts have free and paid tiers model rather than Free standard tier; paid plans add higher limits, insurance and perks.
- 2 tiers to Revolut's 3.
Multi-currency account and international transfers priced at the mid-market rate plus an upfront fee
- Publishes an entry price of Free, where Revolut does not.
- Sold on a Percentage of the amount converted model rather than Free standard tier; paid plans add higher limits, insurance and perks.
Buy now pay later app offering short interest-free plans and longer plans that charge real APR interest
- Sold on a Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee model rather than Free standard tier; paid plans add higher limits, insurance and perks.
- 2 tiers to Revolut's 3.
Free, open source, self-hosted personal finance manager with double-entry style accounting
- Sold on a Open source, no licence fee model rather than Free standard tier; paid plans add higher limits, insurance and perks.
- 1 tier to Revolut's 3.
The official free mobile app of the US Internal Revenue Service for refund status and basic tax tools
- Sold on a Free government app, no payment of any kind model rather than Free standard tier; paid plans add higher limits, insurance and perks.
- 1 tier to Revolut's 3.
Every Revolut alternative at a glance
A dash means the catalogue entry carries no figure, not that the answer is nothing.
| Tool | Entry price | Model | Tiers | Head to head |
|---|---|---|---|---|
| Revolut (this page) | Free | Free standard tier; paid plans add higher limits, insurance and perks | 3 | |
| MonzoIf you want a UK-licensed bank with full FSCS protection rather than an e-money account | Free | Free core current account; paid Plus and Premium tiers add features | 3 | vs Revolut |
| Starling BankIf you want a UK-licensed bank focused on core banking rather than trading and multi-currency features | Free | Free personal current account; business accounts have free and paid tiers | 2 | vs Revolut |
| WiseIf your priority is low-cost international transfers rather than a full spending and investing app | Free | Percentage of the amount converted | 3 | vs Revolut |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | 2 | vs Revolut |
| Firefly III | Free | Open source, no licence fee | 1 | vs Revolut |
| IRS2Go | Free | Free government app, no payment of any kind | 1 | vs Revolut |
| Afterpay | Free | Free to shoppers with no interest on the standard plan; merchant pays a per-transaction fee, late fees apply to missed payments | 1 | vs Revolut |
| Actual Budget | Free | Open source, no licence fee; optional paid hosted sync and subscription tier | 2 | vs Revolut |
| Google Pay | Free | Free | - | vs Revolut |
| Goodbudget | Free | Freemium | 2 | vs Revolut |
| Copilot Money | Free, then $95/year | Subscription | 2 | vs Revolut |
| Investopedia Stock Simulator | Free | - | - | vs Revolut |
| Credit Karma | Free | Freemium | 1 | vs Revolut |
| Kraken | Free | Freemium | 2 | vs Revolut |
| Mint | Free | Free | - | vs Revolut |
| Apple Pay | Free | Free | 1 | vs Revolut |
| Cash App | Free | Free | 2 | vs Revolut |
| Strands | On request | Quote | 1 | vs Revolut |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | 1 | vs Revolut |
| Betterment | Free | Subscription | 4 | vs Revolut |
Ratings are aggregated from third-party sources and imported with each catalogue entry; Softwr hosts no reviews of these products. How each figure is used is set out on the Revolut badges page.
Cheaper ways to solve the same problem
Free to start (17)
These publish a tier that costs nothing, so they can be evaluated before any money changes hands.
- Monzo , Free
- Starling Bank , Free
- Wise , Free
- Affirm , Free
- Firefly III , Free
- IRS2Go , Free
- Afterpay , Free
- Actual Budget , Free
What you would be giving up
Revolut is most often brought in for someone travelling or living across multiple currencies who wants low-cost exchange and spending in one account, a user in the eea who wants their balance held with a licensed bank covered by a deposit guarantee scheme, a uk-based user who understands their balance sits under e-money safeguarding rather than fscs bank protection, and is comfortable with that, an investor wanting stock or crypto trading integrated with everyday spending in a single app. Anything replacing it has to cover the ones you actually depend on, and a cheaper tool that misses one of them is not cheaper.
Two things this page cannot settle. It compares on price, model, tier count and rating, because those are the fields the category listing carries, feature-level differences need both full records, which is what the head-to-head pages load. And the ratings are third-party aggregates imported with each entry rather than reviews written here, so a 0.2 difference between two tools is noise rather than a finding.
If Revolut is broadly right and the question is cost, the Revolut pricing breakdown covers every tier and what each one adds. If you want the whole field rather than a shortlist, the Personal Finance category lists everything the directory holds, and best personal finance tools ranks them.
Revolut runs on ios, android, web. Platform coverage is not carried on the category listing for the alternatives, so it is one more thing to check on each head-to-head page rather than here.
Questions about Revolut alternatives
- What are the main alternatives to Revolut?
- 20 other personal finance tools are listed in this directory, led by Monzo, Starling Bank, Wise, Affirm. They are ordered by the aggregated rating on each catalogue entry, not by any Softwr ranking.
- What is the best free alternative to Revolut?
- 17 of the alternatives listed here can be used without paying: Monzo, Starling Bank, Wise, Affirm, Firefly III.
- Is there a reason to switch away from Revolut?
- Nothing in the data flags one. Revolut has a free tier. Fit and workflow are the usual reasons to move, and those are not things this record can measure.
- What would I give up by switching from Revolut?
- Revolut is most often brought in for someone travelling or living across multiple currencies who wants low-cost exchange and spending in one account, a user in the eea who wants their balance held with a licensed bank covered by a deposit guarantee scheme, a uk-based user who understands their balance sits under e-money safeguarding rather than fscs bank protection, and is comfortable with that, an investor wanting stock or crypto trading integrated with everyday spending in a single app. Anything you replace it with has to cover the ones you actually rely on, the side-by-side comparisons linked from each alternative below put the two feature records against each other.
- Is there an open-source alternative to Revolut?
- None of the personal finance tools listed here are recorded as open source. That is what the licence field on each entry says, and the field is not always filled in, so it is worth checking directly for any tool you are serious about.
- How were these Revolut alternatives chosen?
- They are the tools filed in the same category, Personal Finance, ordered by the aggregated rating on each entry. There is no editorial shortlist, and nothing on this page is paid: no sponsored placement runs on alternatives pages and the order cannot be bought. Softwr has not used these products.
- Where can I compare Revolut against one of these directly?
- Every alternative below has a side-by-side page against Revolut covering price, platforms, features and what each one is used for. Those pages read the full record for both products rather than the summary shown here.
- Does this list cover every personal finance tool?
- No. It covers what this directory holds in the Personal Finance category, 20 tools beside Revolut. The category page lists the rest of the catalogue as it grows.