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Updated October 14, 2026 · VaultCue Editorial Team

Revolut UK vs Sumeria

Revolut UK scores 9.0 and Sumeria 8.9 out of 10. Compare their differences and shared features below.
Revolut UK

Revolut UK

Higher score in this comparison

9.0/10
Visit

Sumeria

8.9/10
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Where Revolut UK and Sumeria differ

Revolut UK vs Sumeria
CompareRevolut UKRevolut UKReviewVisitVisitSumeriaReviewSee alternativesSee alternatives
Headline rate4%Higher1% to 2%
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Access termsInstant access via the Revolut app, fee-free withdrawals, no withdrawal limitsNo commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free
Monthly fee£0€0
Minimum deposit£0Not confirmed

Same on both: Rate type (Variable), Account kind (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 UK scores higher overall: 9.0 vs 8.9.
  • Founded is lower at Sumeria: 2011 vs 2015.
  • Revolut UK is licensed in 2 more countries.
  • Headline rate is higher at Revolut UK: 4% vs 1% to 2%.

Our verdict on each

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

Sumeria

Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.

Read the full Sumeria review

Score breakdown

Revolut UK vs Sumeria
AreaRevolut UKSumeria
Cost9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%.9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%.
Offer9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total.9.0
Trust8.58.8Higher

Which one suits you

Pick Revolut UK if offer and headline rate matter most.

Pick Sumeria if trust matter most.

Where each is licensed and available

Revolut UK vs Sumeria
CountryRevolut UKSumeria
CyprusNot confirmed
FranceNot confirmed
Lithuania
LT_BL PSD_EMI LT_LT_BL_304940980
Not confirmed
United KingdomNot confirmed

Also worth a look

Finom has headline rate at 5%, against 4% for Revolut UK and 1% to 2% for Sumeria.

Finom review

How they place

Revolut UK vs Sumeria
RankingRevolut UKSumeria
Current and checking accounts22 of 885121 of 885
Savings accounts40 of 1420442 of 1420

Every fact side by side

Revolut UK vs Sumeria
FactRevolut UKSumeria
Pricing modelNo monthly feeNo monthly fee
Legal entityRevolut Payments UABLydia Solutions
HeadquartersLithuaniaFrance
Founded20152011Lower
Support channelsChat, Phone, Help centre, EmailEmail, Help centre, Phone, Chat

Everyday accounts

Revolut UK vs Sumeria
FactRevolut UKSumeria
Licence typeE moneyNot confirmed
Currency conversion fee0% to 1%0%
Currencies30Not confirmed
AudienceTravelers, Freelancer, TeenCovers moreTravelers
FeaturesFree ATM, Joint accountCovers moreFree ATM
Local account detailsIBANIBAN
Free ATM withdrawalsNot confirmed€250
Transfer feeFree in SEPA; paid plans discount elsewhere, free on Ultra worldwide0 EUR (all transfers free on the free Carte Basique offer)

Money transfer

Revolut UK vs Sumeria
FactRevolut UKSumeria
Exchange rate markupNot confirmed0%
Delivery timeNot confirmedInstant
Payout methodsNot confirmedBank, Card
Fee to send 1,000Not confirmed€0

Where each stands against the rest

Revolut UK vs Sumeria
FactRevolut UKSumeriaMedian
Headline rate4%above the median1% to 2%below the median3.25%
Minimum deposit£0below the medianNot confirmed£1

Median across 658 listed accounts.

Pros and cons

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.

Sumeria

Pros

  • Instant access to a French IBAN with no commitment, so the account works around a trip
  • Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
  • Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)

Cons

  • The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
  • The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
  • The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for

Who each suits

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%.

Sumeria

Who it suits

  • Travellers in France who want a local IBAN, with Instant payments and no commitment
  • Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
  • Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate

Who should look elsewhere

  • Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
  • People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
  • Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN

Current offers

Sumeria

Current offer

  • Bonus

    Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%

    At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change

    Source, checked September 26, 2026

Country by country

Revolut UK vs Sumeria
CountryRevolut UKSumeria
BelgiumNoYes
FranceNoYes

Questions about each

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.

Sumeria

What does a Sumeria account cost to run?+

The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.

Is my money protected at Sumeria?+

Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.

Other options to compare

Other matchups

Revolut UK

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Sumeria

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