Updated October 17, 2026 · VaultCue Editorial Team
Finom ES vs Revolut AU
Finom ES
Higher score in this comparison
Revolut AU
What sets them apart
| Compare | Finom ESReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0.5% | 0% to 1%Lower |
| Currencies | 17 | 30Higher |
| Transfer fee | Fixed fee of 5 EUR to send or receive funds | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
Same on both: Local account details (IBAN).
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Key differences
- Finom ES scores higher overall: 9.2 vs 9.1.
- Currency conversion fee is lower at Revolut AU: 0% to 1% vs 0.5%.
- Currencies is higher at Revolut AU: 30 vs 17.
- Audience: only Finom ES offers Business.
- Audience: only Revolut AU offers Travelers, Teen.
Our verdict on each
Finom ES
Finom is known for joining a Spanish business account with invoicing and expense tools for freelancers and small firms. It is an online payments solution that keeps transfers, cards and admin together for people who run a small business and want everyday control from a phone or computer.
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Score breakdown
| Area | Finom ES | Revolut AU |
|---|---|---|
| Cost | 9.2 | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.3 | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | Not confirmed | 8.6 |
Where they rank in our lists
| Ranking | Finom ES | Revolut AU |
|---|---|---|
| Business bank accounts | 12 of 563 | 22 of 563 |
| Accounts for freelancers | 5 of 130 | 11 of 130 |
Spending 1,000 abroad
Finom ES
5
0.5% of 1,000
Revolut AU
0 to 10
0% to 1% of 1,000
Revolut AU comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
Sources behind this comparison
Finom ES
- finom.es: 6 facts, checked October 17, 2026
Revolut AU
- revolut.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Finom ES | Revolut AU |
|---|---|---|
| Audience | Freelancer, Business | Travelers, Freelancer, Teen |
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | Not confirmed | Revolut Payments UAB |
| Headquarters | Not confirmed | Lithuania |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Chat, Help centre, Phone |
Savings
| Fact | Finom ES | Revolut AU |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | £0 |
| Access terms | Not confirmed | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | Finom ES | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Finom ES | Revolut AU | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%at the median | 0% to 1%below the median | 0.5% |
| Currencies | 17highest quarter | 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Finom ES
Pros
- Spanish IBAN with online opening within a day for business use
- Multiple physical and virtual debit cards with one-click controls for teams
- Built-in invoicing with payment links and reminders that help you get paid
Cons
- Business-only focus leaves little for people wanting personal accounts
- Online and mobile management without in-person branches for daily tasks
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
Who each suits
Finom ES
Who it suits
- Freelancers managing business income and expenses
- Small teams needing staff cards and tidy records
Who should look elsewhere
- People looking for a personal current account
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
Country by country
| Country | Finom ES | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 39 countries where either is available.
Questions about each
Finom ES
Who can open a Finom account?+
Finom serves freelancers and small businesses that need a business account for daily work. Applicants receive a Spanish IBAN and complete the application online from a mobile phone or a computer. Opening completes within a day and keeps transfers, invoicing and cards together.
What everyday tools sit alongside the account?+
The account combines transfers with accounting tools and electronic invoicing in one place. You can share invoices by email or message and add a payment link to each one. Smart reminders chase late payments, while receipt capture and bulk exports keep records tidy.
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
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