Updated October 14, 2026 · VaultCue Editorial Team
Revolut UK vs ubank
Revolut UK
Higher score in this comparison
ubank
Revolut UK vs ubank: the differences
| Compare | Revolut UKReviewVisitVisit | ubankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | £0 | Not confirmed |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | Not confirmed |
| Monthly fee | £0 | Not confirmed |
Same on both: Account kind (Easy access).
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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.
ubank
Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
Score breakdown
| Area | Revolut UK | ubank |
|---|---|---|
| Cost | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. | Not confirmed |
| Offer | 9.6The listed features are free atm and joint account, and the app holds 30 currencies in total. | Not confirmed |
| Trust | 8.5 | Not confirmed |
How they place
| Ranking | Revolut UK | ubank |
|---|---|---|
| Current and checking accounts | 22 of 885 | 791 of 885 |
| Savings accounts | 40 of 1420 | 1317 of 1420 |
Every fact side by side
| Fact | Revolut UK | ubank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | Revolut Payments UAB | National Australia Bank |
| Headquarters | Lithuania | Australia |
| Founded | 2015 | 2008Lower |
| Support channels | Chat, Phone, Help centre, Email | Not confirmed |
Everyday accounts
| Fact | Revolut UK | ubank |
|---|---|---|
| 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 | Not confirmed |
Where each stands against the rest
| Fact | Revolut UK | ubank | Median |
|---|---|---|---|
| Headline rate | 4%above the median | Not confirmed | 3.25% |
| Minimum deposit | £0below the median | Not confirmed | £1 |
| Monthly fee | £0at the median | Not confirmed | £0 |
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.
ubank
Pros
- Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
- The captured overview does not provide rates.
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%.
ubank
Who it suits
- Australia Ubank customers choosing goal-based, automatic or shared savings tools
Country by country
| Country | Revolut UK | ubank |
|---|---|---|
| Australia | 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.
Is my money protected?+
Deposits are covered by FSCS up to GBP 85,000. The savings balance is held by ClearBank Limited as a savings deposit partner regulated in the UK by the Financial Conduct Authority and Prudential Regulation Authority, while the brand's own account licence type is e money.
How do I withdraw money?+
Access is instant in the Revolut app, withdrawals carry no fee, and there is no cap on how much can be taken out. Support runs on chat, phone and help centre, so the app is not the only way to reach help if something goes wrong.
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Related by the facts
Revolut UK
ubank