Updated October 13, 2026 · VaultCue Editorial Team
Revolut UK vs TrueMoney
Revolut UK
Higher score in this comparison
TrueMoney
What sets them apart
| Compare | Revolut UKReviewVisitVisit | TrueMoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4%Higher | 0.1% to 1% |
| Minimum deposit | £0 | THB 0 |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | On-demand savings (ออมทรัพย์) account opened in the TrueMoney app and held at Kasikornbank, no minimum top-up, interest credited 30 June and 31 December each year |
| Monthly fee | £0 | THB 0 |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Founded is lower at TrueMoney: 2003 vs 2015.
- Headline rate is higher at Revolut UK: 4% vs 0.1% to 1%.
- Support channels: only Revolut UK offers Help centre.
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.
TrueMoney
TrueMoney offers everyday account use with an easy-access savings choice inside one app, rather than keeping daily money and saving intentions apart. People exploring simple structures for daily money will find a clear outline of what to check before deciding.
Score breakdown
| Area | Revolut UK | TrueMoney |
|---|---|---|
| Cost | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. | 9.3 |
| Offer | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. | 9.2 |
| Trust | 8.5 | 8.9Higher |
Which one suits you
Pick Revolut UK if offer and headline rate matter most.
Pick TrueMoney if trust matter most.
How they place
| Ranking | Revolut UK | TrueMoney |
|---|---|---|
| Current and checking accounts | 22 of 885 | 772 of 885 |
| Savings accounts | 40 of 1420 | 1289 of 1420 |
Where each is licensed and available
| Country | Revolut UK | TrueMoney |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Not confirmed |
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
| United Kingdom | Not confirmed |
A third option
Finom has headline rate at 5%, against 4% for Revolut UK and 0.1% to 1% for TrueMoney.
Finom reviewWhere these facts come from
Revolut UK
- 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
TrueMoney
- truemoney.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- play.google.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Revolut UK | TrueMoney |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Revolut Payments UAB | True Money Company Limited |
| Headquarters | Lithuania | Thailand |
| Founded | 2015 | 2003Lower |
| Support channels | Chat, Phone, Help centre, EmailCovers more | Email, Phone, Chat |
Everyday accounts
| Fact | Revolut UK | TrueMoney |
|---|---|---|
| Licence type | E money | Not confirmed |
| Currency conversion fee | 0% to 1% | Not confirmed |
| Currencies | 30 | Not confirmed |
| Audience | Travelers, Freelancer, Teen | Not confirmed |
| Features | Free ATM, Joint account | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide | No fee for transfers between TrueMoney accounts |
Money transfer
| Fact | Revolut UK | TrueMoney |
|---|---|---|
| Payout methods | Not confirmed | Cash pickup |
Where each stands against the rest
| Fact | Revolut UK | TrueMoney | Median |
|---|---|---|---|
| Headline rate | 4%above the median | 0.1% to 1%lowest quarter | 3.25% |
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.
TrueMoney
Pros
- Easy-access savings sits alongside everyday money in the TrueMoney app
- Account opening happens inside the TrueMoney app for daily use
- Everyday account design keeps saving intention visible during daily money use
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%.
TrueMoney
Who it suits
- People wanting everyday money and savings together
- Beginners seeking simple easy-access structures
Country by country
| Country | Revolut UK | TrueMoney |
|---|---|---|
| Cambodia | No | Yes |
| Indonesia | No | Yes |
| Myanmar | No | Yes |
| Philippines | No | Yes |
| Thailand | No | Yes |
| Vietnam | No | Yes |
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.
TrueMoney
What does TrueMoney offer for everyday money?+
TrueMoney provides everyday account use with an easy-access savings choice for daily money goals. You keep awareness of spending and intention to save in one app view. Check how that structure matches the way you organise money each month.
Who is the easy-access option suited to?+
The easy-access choice suits people who prefer flexible saving alongside everyday money. It gives beginners a simple structure with clear purposes for short term needs. Review whether this combined approach supports habits you want to keep.
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Related by the facts
Revolut UK
TrueMoney