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Personal Finance · head to head

Banktivity vs Revolut

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Revolut logo

Revolut

Personal Finance

Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Revolut has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Revolut uK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
  • They diverge on capability: Banktivity covers Account tracking, Revolut covers Multi-currency accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Banktivity and Revolut actually diverge.

Attributes where Banktivity and Revolut differ
AttributeBanktivityRevolut
Starting priceOn requestFree
Pricing modelsubscriptionFree standard tier; paid plans add higher limits, insurance and perks
Free tierNoYes
PlatformsMac, IOSiOS, Android, Web
Founded2007Unknown

Identical on both: user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Bank accounts
  • Investment accounts
  • Mac support
  • IOS support

Only in Revolut

  • Multi-currency accounts
  • Revolut Bank EEA deposits
  • Stock, crypto and commodity trading
  • Budgeting and spending analytics
  • Virtual and disposable cards
  • Business accounts (Revolut Business)

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Revolut
  • Investment and net worth trackingnot Revolut
  • Retirement planning projectionsnot Revolut
  • Connecting to over 14,000 financial institutionsnot Revolut

Revolut

  • Someone travelling or living across multiple currencies who wants low-cost exchange and spending in one accountnot Banktivity
  • A user in the EEA who wants their balance held with a licensed bank covered by a deposit guarantee schemenot Banktivity
  • A UK-based user who understands their balance sits under e-money safeguarding rather than FSCS bank protection, and is comfortable with thatnot Banktivity
  • An investor wanting stock or crypto trading integrated with everyday spending in a single appnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Revolut

  • UK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
  • Regulatory status differs by country of use, EEA versus UK versus other markets, so the actual protection on a given balance depends on where the account is domiciled, not on the brand alone.
  • Customer service has been a recurring complaint, with account freezes for fraud checks sometimes leaving customers unable to access funds for extended periods with limited direct human contact.
  • The free tier caps fee-free currency exchange at a monthly allowance, after which a fair usage fee applies, so heavy multi-currency users may need a paid plan to avoid extra charges.
  • The breadth of features, banking, trading, crypto and business accounts, spans multiple regulatory regimes and legal entities, which makes the overall structure harder for a typical customer to fully understand than a single-licence traditional bank.

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Revolut

Free
  • StandardFree
    • Free multi-currency spending up to a monthly exchange allowance
    • Basic budgeting tools
    • UK balances held under e-money safeguarding, not FSCS-protected as a standard bank deposit
  • Premium$7.99/month
    • Higher free exchange allowance
    • Travel insurance and card delivery perks
    • Priority customer support
  • Metal$14.99/month
    • Cashback on card spending
    • Higher limits across features
    • Metal card and additional insurance cover

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Revolut if

  • You need multi-currency accounts.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want revolut bank eea deposits.
Revolut review

Questions people ask

Is Banktivity or Revolut better?
Neither clearly leads. Banktivity starts at On request and Revolut at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Revolut?
Revolut has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Revolut.
Does Banktivity or Revolut run on more platforms?
Banktivity runs on Mac, IOS. Revolut runs on iOS, Android, Web.
Can I use Revolut for free?
Yes. Revolut has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Revolut is typically brought in for.
What can Banktivity do that Revolut cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Revolut covers Multi-currency accounts, Revolut Bank EEA deposits, Stock, crypto and commodity trading, Budgeting and spending analytics.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Revolut: Is my money safe with Revolut?

It depends on your country. EEA balances are held with a Lithuanian-licensed bank and generally covered by deposit guarantee up to 100,000 euro; UK balances have historically sat under e-money safeguarding rather than FSCS bank protection, though Revolut has been working toward full UK banking status since gaining a restricted licence in 2024.

Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Revolut: Is Revolut a bank?

In the EEA, yes, through Revolut Bank UAB, licensed in Lithuania. In the UK, it has historically operated as an e-money institution and was granted a restricted banking licence in 2024, with full UK banking status pending completion of a mobilisation period.

Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Revolut: Does Revolut charge for currency exchange?

Exchange is free up to a monthly allowance on the standard tier, after which a fair usage fee applies; paid plans raise or remove that allowance.

Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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