Updated September 29, 2026 · VaultCue Editorial Team
Revolut UK vs ZEN.COM
Revolut UK
ZEN.COM
Higher score in this comparison
What sets them apart
| Compare | Revolut UKReviewVisitVisit | ZEN.COMReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | £0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Currency conversion fee | 0% to 1% | 0% |
| Currencies | 30 | 35Higher |
| Transfer fee | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide | Currently free (standard fee 0.25 EUR) |
| Licence type | E money | Not confirmed |
| Free ATM withdrawals | Not confirmed | €0 |
Same on both: Local account details (IBAN).
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Key differences
- ZEN.COM scores higher overall: 9.3 vs 9.0.
- Currencies is higher at ZEN.COM: 35 vs 30.
- Support channels: only Revolut UK offers Phone.
- Audience: only Revolut UK offers Freelancer, Teen.
- Audience: only ZEN.COM offers Expats.
- Pricing model: only ZEN.COM offers Low FX.
- Features: only Revolut UK offers Joint account.
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.
ZEN.COM
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | Revolut UK | ZEN.COM |
|---|---|---|
| Cost | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. | 9.4HigherMonthly fee of €0, currency conversion fee of 0% and transfer fees of Currently free (standard fee 0.25 EUR). |
| Offer | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. | 9.2Holds 35 currencies, hands out local IBANs and pays a free ATM allowance of €0. |
| Trust | 8.5 | Not confirmed |
Availability and regulation
| Country | Revolut UK | ZEN.COM |
|---|---|---|
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Bank of Lithuania LB000457 |
| United Kingdom | Financial Conduct Authority 1000019 | |
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Not confirmed |
| Singapore | Not confirmed |
Which one suits you
Pick Revolut UK if offer matter most.
Pick ZEN.COM if currencies matter most.
Spending 1,000 abroad
Revolut UK
0 to 10
0% to 1% of 1,000
ZEN.COM
0
0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Revolut UK | ZEN.COM |
|---|---|---|
| Multi-currency accounts | 13 of 348 | 69 of 348 |
Every fact side by side
| Fact | Revolut UK | ZEN.COM |
|---|---|---|
| Audience | Travelers, Freelancer, Teen | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Free ATM, Joint accountCovers more | Free ATM |
| Legal entity | Revolut Payments UAB | UAB ZEN.COM |
| Headquarters | Lithuania | Lithuania |
| Founded | 2015 | Not confirmed |
| Support channels | Chat, Phone, Help centre, EmailCovers more | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Revolut UK | ZEN.COM | Median |
|---|---|---|---|
| Currency conversion fee | 0% to 1%below the median | 0%below the median | 0.5 |
| Currencies | 30highest quarter | 35highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | €0below the median | €1 |
Median across 536 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.
ZEN.COM
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
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%.
ZEN.COM
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
Current offers
ZEN.COM
Current offer
Free trial
Try ZEN.COM free for 30 days: 30 days free
Source, checked September 26, 2026
Country by country
| Country | Revolut UK | ZEN.COM |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 32 countries where either is available.
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.
ZEN.COM
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
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Related by the facts
Revolut UK
ZEN.COM