Updated September 28, 2026 · VaultCue Editorial Team
Finom vs Revolut AU
Finom
Revolut AU
Higher score in this comparison
Where Finom and Revolut AU differ
| Compare | FinomReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 4% |
| Rate type | Fixed | Variable |
| Minimum deposit | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Account kind | Cash management | Easy access |
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
- Revolut AU scores higher overall: 9.1 vs 8.9.
- Founded is lower at Revolut AU: 2015 vs 2019.
- Revolut AU is available in 28 more countries.
- Headline rate is higher at Finom: 5% vs 4%.
- Support channels: only Finom offers Email, Community.
- Support channels: only Revolut AU offers Phone.
- Pricing model: only Finom offers Fixed rate.
- Pricing model: only Revolut AU offers Low FX.
Our verdict on each
Finom
Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.
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 | Revolut AU |
|---|---|---|
| Cost | 9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%. | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate. | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | 8.2 | 8.6Higher |
Pick Finom if, pick Revolut AU if
Pick Finom if offer and headline rate matter most.
Pick Revolut AU if trust matter most.
Where they rank in our lists
| Ranking | Finom | Revolut AU |
|---|---|---|
| Savings accounts | 1 of 1420 | 39 of 1420 |
| Business bank accounts | 1 of 563 | 22 of 563 |
| Accounts for freelancers | 1 of 130 | 11 of 130 |
| Multi-currency accounts | 2 of 348 | 12 of 348 |
A third option
AU Small Finance Bank has headline rate at 6.75%, against 5% for Finom and 4% for Revolut AU.
AU Small Finance Bank reviewWhere these facts come from
Finom
- finom.co: 12 facts, checked September 26, 2026
Revolut AU
- revolut.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Finom | Revolut AU |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No monthly fee, Low FX |
| Legal entity | PNL Fintech B.V. | Revolut Payments UAB |
| Headquarters | Netherlands | Lithuania |
| Founded | 2019 | 2015Lower |
| Support channels | Email, Chat, Help centre, Community | Chat, Help centre, Phone |
Everyday accounts
| Fact | Finom | Revolut AU |
|---|---|---|
| Licence type | Not confirmed | E money |
| Currency conversion fee | 1% | 0% to 1%Lower |
| Currencies | 17 | 30Higher |
| Audience | Business, Freelancer | Travelers, Freelancer, Teen |
| Features | Free ATM | Free ATM, Joint accountCovers more |
| Local account details | IBAN | IBAN |
| Free ATM withdrawals | €10,000 | Not confirmed |
| Transfer fee | Free outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro) | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
Money transfer
| Fact | Finom | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Finom | Revolut AU | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 4%above the median | 3.25% |
Median across 658 listed accounts.
Pros and cons
Finom
Pros
- The minimum deposit is €0, so an account can be opened without a large opening balance.
- The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
- Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.
Cons
- The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
- The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
- Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.
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
Who it suits
- Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
- Small businesses paid in euros by clients abroad who want several currencies in one place.
- Readers who want a set rate on working money rather than the highest variable rate on the table.
Who should look elsewhere
- Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
- Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.
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.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Finom | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 39 countries where either is available.
Questions about each
Finom
What does it cost to keep a Finom account?+
The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.
Is my money protected if something goes wrong?+
Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.
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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