Revolut im Test: Konto, Kosten & Erfahrungen August 2026

Remind.me Jetziges Strom-/Gaspreistief nutzen, bevor die Preise Revolut Slots wieder steigen Finanzierung Exklusive Daten zeigen, welche europäischen Start-ups die höchsten Summen von US-Investoren erhalten Das Institut bietet Neukunden ab sofort einen Zins von 4,25 Prozent auf Tagesgeld, wie das Fintech am Dienstag mitteilte. Fülle einfach die benötigten Felder unterhalb aus und dein Benutzerkonto wird sofort erstellt.

  • Die Reihenfolge der Girokonten in der Tabelle wird durch ein Scoring vorgegeben, Du hast die Wahl zwischen der Gesamtwertung und den Kosten.
  • Revolut bietet Tagesgeld-ähnliche Unterkonten – sogenannte Points Pockets – bei denen keine klassischen Zinsen, sondern RevPoints gutgeschrieben werden.
  • Dabei lobten Nutzer vordergründig die einfache Handhabung, die transparente Gebührenstruktur sowie den kompetenten Kundenservice der Bank.

Wir verlinken ausschließlich auf Produkte, die vorher von unserer unabhängigen Experten-Redaktion ausführlich analysiert und empfohlen wurden. Die Auswahl der Banken mit Girokonten erhebt keinen Anspruch auf einen vollständigen Marktüberblick. Alle Empfehlungen erfolgen redaktionell unabhängig. Die Reihenfolge der Girokonten in der Tabelle wird durch ein Scoring vorgegeben, Du hast die Wahl zwischen der Gesamtwertung und den Kosten. Zudem kannst Du Dein Girokonto nicht überziehen, also einen Dispo nutzen.

Bei Revolut würde sich zudem Dein Versicherungsschutz ändern, wenn Du das Abo änderst. Bonuspunkte – Du kannst bei bestimmten Umsätzen auch Bonuspunkte sammeln, sogenannte Revpoints. Gemeinsame Unterkonten – Du kannst andere Revolut-Kunden zu einem Unterkonto einladen. Unterkonten – Du kannst zu Deinen Girokonto noch weitere Unterkonten hinzufügen, sogenannte Pockets.

Willst Du mobil Bezahlen, hinterlegst Du die Karte abhängig von Deinem Smartphone entweder bei Google oder Apple Pay. Bei Summen unter 50 Euro ist das Eingeben der Pin laut Banken und Kartenunternehmen meist nicht nötig. Du kannst Dir die Debitkarte in unterschiedlichen Ausgestaltungen bestellen, abhängig vom Kontomodel. Im Abo-Modell Metal steigt die monatliche Freigrenze für Geldabhebungen auf 800 Euro, im Ultra-Abo auf 2.000 Euro. Die Konditionen der Debitkarte unterscheidet sich bei Revolut abhängig vom Kontomodell. Damit kannst Du schnell Geld versenden, wie Du es auch von Paypal kennst.

Welche Angebote gibt es bei Revolut für Kinder und Studenten?

Die Bank braucht zudem Deine persönlichen Daten wie Name, Geburtsdatum und E-Mail-Adresse. 1 Abhängig vom Kontomodell.2 Höhere Freigrenzen bei teureren Kontomodellen.3 Ab Summen über 1.000 € fällt abhängig vom Kontomodel ein Fremdwährungsgebühr von 0,5 % an. Dein Kind kann Geld an andere Kinderkonten bei Revolut senden.

Dazu gehören unter anderem ein kostenloser Kartenversand, ein priorisierter Kundenservice und Bargeldabhebungen sind auch nicht auf nur fünfmal im Monat begrenzt. Revolut bietet Tagesgeld-ähnliche Unterkonten – sogenannte Points Pockets – bei denen keine klassischen Zinsen, sondern RevPoints gutgeschrieben werden. Damit ist es möglich, dass Ihr über Revolut einfach alle Zahlungen mit dem Smartphone tätigt. Zu den möglichen Fremdwährungskonten gehören etwa Konten in US-Dollar, britischen Pfund oder auch Schweizer Franken. Sehr praktisch ist an Revolut zudem, dass mit der Revolut Karte alle Zahlungen in Fremdwährungen komplett kostenlos sind.

Was sind die Vorteile des Revolut Girokontos?

Es wird mit einer deutschen DE-IBAN geführt, beide Inhaber erhalten eine eigene Debitkarte und können – als sogenanntes Oder-Konto – jeweils allein über das gesamte Guthaben verfügen. Über dies können Freiberufler ebenfalls die kostenfreie Pro-Debitkarte beantragen, welche, als Cashback Kreditkarte bezeichnet werden kann und bis zu 1,2 Prozent Cashback auf Kartenzahlungen bietet. So kann man beispielsweise auf Rechnungsvorlagen zugreifen oder Zahlungen über einfach erstellte Links und QR-Codes empfangen. Erwähnenswert ist zudem, dass Ihr ab dem Revolut Plus Konto bereits einige Versicherungen inklusive erhaltet.

Welche Angebote gibt es bei Revolut für Kinder und Studenten?

Bei Problemen kann man ganz einfach die Kontaktstelle über den Chatservice nutzen und bekommt unserer Erfahrung nach recht schnell Hilfe. Neben der einfachen und schnellen Kontobeantragung, konnte uns der Kundenservice bei Revolut ebenfalls überzeugen. Reisetopia bietet Euch stets aktuelle und unabhängige Finanzvergleiche rund um Girokonten, die von unseren Experten sorgfältig geprüft und regelmäßig aktualisiert werden. Das liegt schon allein daran, dass Ihr einfach jeweils von Eurem Hauptkonto Geld zum Revolut Girokonto überweisen und dann dort kostenfreie Abhebungen und Zahlungen in Fremdwährungen nutzen könnt. Problematisch kann es auch sein, dass es nur einen ausbaufähigen Kundenservice am Telefon gibt, der einem bei Fragen schnell und einfach weiterhilft. Mittlerweile erhalten Neukunden bei Revolut eine deutsche IBAN, in der Vergangenheit gab es immer nur eine litauische IBAN.

Unter anderem besitzt das Konto hier auch eine Weboberfläche und eine programmierbare API, während Privatkunden ausschließlich eine mobile App nutzen können. Im Februar 2017 lancierte Revolut britische Girokonten, die es den Kunden ermöglichen sollten, eine persönliche IBAN zu erhalten. Intuitiv, schnell und immer aktuell – jetzt Handelsblatt App installieren. Expertentesten.de Produktvergleich – schnell zum besten Produkt

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