Updated October 17, 2026 · VaultCue Editorial Team
Finom FR vs Revolut UK
Finom FR
Higher score in this comparison
Revolut UK
Where Finom FR and Revolut UK differ
| Compare | Finom FRReviewVisitVisit | Revolut UKReviewVisitVisit |
|---|---|---|
| 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 FR 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 FR offers Business.
- Audience: only Revolut UK offers Travelers, Teen.
Our verdict on each
Finom FR
Finom is an online business payment solution known for gathering transfers, invoicing and bookkeeping in one place for freelancers and small firms. It suits independents wanting a French IBAN with mobile management, employee cards and accounting connections that keep receipts, invoices and expenses organised.
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.
Score breakdown
| Area | Finom FR | Revolut UK |
|---|---|---|
| Cost | 9.2 | 9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.3 | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | Not confirmed | 8.5 |
Spending 1,000 abroad
Finom FR
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
| Ranking | Finom FR | Revolut UK |
|---|---|---|
| Business bank accounts | 13 of 563 | 23 of 563 |
| Accounts for freelancers | 6 of 130 | 12 of 130 |
Where these facts come from
Finom FR
- finom.fr: 6 facts, checked October 17, 2026
Revolut UK
- 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 FR | Revolut UK |
|---|---|---|
| Audience | Freelancer, Business | Travelers, Freelancer, Teen |
| Pricing model | Not confirmed | No monthly fee |
| 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, Phone, Help centre, Email |
Where each stands against the rest
| Fact | Finom FR | Revolut UK | 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 FR
Pros
- French IBAN with fully online opening for freelancers
- Invoicing with payment links and smart late reminders
- Employee cards and receipt capture for team spending
Cons
- Business only range without personal everyday accounts
- French IBAN structure centred on one home market
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 FR
Who it suits
- Freelancers organising invoices, receipts and taxes together
- Small firms wanting team cards and expense control
- Independents needing a French IBAN and mobile management
Who should look elsewhere
- People seeking a personal current account
- Cash branch visitors wanting in person service
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 FR
Who can open a Finom account?+
Finom serves freelancers and small and medium enterprises seeking online business finance management. It brings transfers, accounting and invoicing together in one place for daily use. Independent workers use it to organise business money separately from personal spending.
What business products does Finom cover?+
Finom covers online business accounts with a French IBAN for small companies and independents. It includes transfers, invoicing and expense organisation within the same service. Employee cards can be issued, funded or capped while receipts move directly into the records.
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.
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