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Updated October 17, 2026 · VaultCue Editorial Team

Finom ES vs Revolut UK

Finom ES scores 9.2 and Revolut UK 9.0 out of 10. Compare their differences and shared features below.
Finom ES

Finom ES

Higher score in this comparison

9.2/10
Visit
Revolut UK

Revolut UK

9.0/10
Visit

What sets them apart

Finom ES vs Revolut UK
CompareFinom ESFinom ESReviewVisitVisitRevolut UKRevolut UKReviewVisitVisit
Monthly fee€0£0
Currency conversion fee0.5%0% to 1%Lower
Currencies1730Higher
Transfer feeFixed fee of 5 EUR to send or receive fundsFree in SEPA; paid plans discount elsewhere, free on Ultra worldwide
Licence typeNot confirmedE money
Deposit protectionNot confirmedFSCS up to GBP 85,000

Same on both: Local account details (IBAN).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Finom ES scores higher overall: 9.2 vs 9.0.
  • Currency conversion fee is lower at Revolut UK: 0% to 1% vs 0.5%.
  • Currencies is higher at Revolut UK: 30 vs 17.
  • Audience: only Finom ES offers Business.
  • Audience: only Revolut UK 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.

Read the full Finom ES review

Revolut UK

Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.

Read the full Revolut UK review

Score breakdown

Finom ES vs Revolut UK
AreaFinom ESRevolut UK
Cost9.29.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%.
Offer9.39.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total.
TrustNot confirmed8.5

Spending 1,000 abroad

Finom ES

5

0.5% of 1,000

Revolut UK

0 to 10

0% to 1% of 1,000

Revolut UK 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.

Where they rank in our lists

Finom ES vs Revolut UK
RankingFinom ESRevolut UK
Business bank accounts12 of 56323 of 563
Accounts for freelancers5 of 13012 of 130

Every fact side by side

Finom ES vs Revolut UK
FactFinom ESRevolut UK
AudienceFreelancer, BusinessTravelers, Freelancer, Teen
Pricing modelNot confirmedNo monthly fee
FeaturesNot confirmedFree ATM, Joint account
Legal entityNot confirmedRevolut Payments UAB
HeadquartersNot confirmedLithuania
FoundedNot confirmed2015
Support channelsNot confirmedChat, Phone, Help centre, Email

Where each stands against the rest

Finom ES vs Revolut UK
FactFinom ESRevolut UKMedian
Currency conversion fee0.5%at the median0% to 1%below the median0.5%
Currencies17highest quarter30highest quarter5

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 UK

Pros

  • Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
  • Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
  • Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.

Cons

  • The rate type is variable, so the 4% can move and nothing is fixed for a set period.
  • The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
  • On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.

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 UK

Who it suits

  • Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
  • Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
  • Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.

Who should look elsewhere

  • Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
  • People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
  • Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.

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 UK

What rate does the Revolut savings account pay?+

The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.

Is there a monthly fee or a minimum deposit?+

The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.

Other options to compare

Other matchups

Finom ES

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Revolut UK

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