Updated September 29, 2026 · VaultCue Editorial Team
Revolut UK vs ZA Bank
Revolut UK
Higher score in this comparison
ZA Bank
Revolut UK vs ZA Bank: the differences
| Compare | Revolut UKReviewVisitVisit | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4%Higher | 0.01% |
| Minimum deposit | £0 | HK$0 |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Monthly fee | £0 | HK$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
- Revolut UK scores higher overall: 9.0 vs 8.7.
- Founded is lower at Revolut UK: 2015 vs 2020.
- Headline rate is higher at Revolut UK: 4% vs 0.01%.
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.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Revolut UK | ZA Bank |
|---|---|---|
| Cost | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. | 9.3Monthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. | 8.9An easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 8.5Higher | 8.1 |
Positions in our rankings
| Ranking | Revolut UK | ZA Bank |
|---|---|---|
| Savings accounts | 40 of 1420 | 542 of 1420 |
| Business bank accounts | 23 of 563 | 238 of 563 |
| Multi-currency accounts | 13 of 348 | 226 of 348 |
If neither fits
Finom has headline rate at 5%, against 4% for Revolut UK and 0.01% for ZA Bank.
Finom reviewEvery fact side by side
| Fact | Revolut UK | ZA Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Revolut Payments UAB | ZA Bank Limited |
| Headquarters | Lithuania | Hong Kong |
| Founded | 2015Lower | 2020 |
| Support channels | Chat, Phone, Help centre, Email | Email, Phone, Chat, Help centre |
Everyday accounts
| Fact | Revolut UK | ZA Bank |
|---|---|---|
| Licence type | E money | Not confirmed |
| Currency conversion fee | 0% to 1% | Not confirmed |
| Currencies | 30Higher | 11 |
| Audience | Travelers, Freelancer, Teen | Travelers, Business |
| Features | Free ATM, Joint account | Free ATM, Digital only |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | Not confirmed | HK$0 |
| Transfer fee | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
Where each stands against the rest
| Fact | Revolut UK | ZA Bank | Median |
|---|---|---|---|
| Headline rate | 4%above the median | 0.01%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.
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
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%.
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
Current offers
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Revolut UK | ZA Bank |
|---|---|---|
| Hong Kong | 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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
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Related by the facts
Revolut UK
ZA Bank