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Revolut Savings Vaults Review: International-Friendly Savings for Frequent Travelers

Review Updated
Brittney Myers
Brittney Myers
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

A good savings account is a travel necessity. Revolut Savings Vaults are competitive high-yield savings accounts ideal for international travelers and digital nomads. You'll need to pay extra to unlock all the potential features, so they may not be for everyone. Read our full Revolut Savings Vaults review to learn whether it's worth the cost.

Rates as of Oct 23, 2025

Revolut Savings Vaults

Member FDIC.
3.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
3.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
APY
up to 3.50% Rate info Circle with letter I in it. 2.75% for Standard plans (free), 3.50% for Premium ($9.99/month) and Metal ($16.99/month) plans.
Min. To Earn APY
$0
  • Competitive APY for paid accounts
  • Debit card with ATM access
  • No-fee currency exchange
  • FDIC insured
  • Fee for highest APY
  • No way to waive monthly fees
  • Cap on currency exchanges

This account offers many features, including a competitive APY, but only if you pay the monthly fee. While not cheap, it could still be worthwhile for frequent international travelers.

Savings Vault services provided by Sutton Bank, Member FDIC, and funds there are insured up to $250,000 in the event Sutton Bank fails.

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

Compare savings rates

Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.

Account APY Bonus Next Steps
up to 4.50%
Rate info Circle with letter I in it. Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Circle with letter I in it. Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
3.85%
Rate info Circle with letter I in it. 3.85% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn: $5,000
Earn a bonus of up to $300 after a one-time deposit of $25,000+ Circle with letter I in it. This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms: https://www.cit.com/cit-bank/platinum-savings/PS2025
4.10%
Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. to earn: $500 to open, $0.01 for max APY
N/A
Disclaimers

The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.

For complete list of account details and fees, see our Personal Account disclosures.

Revolut Savings Vaults interest rate

Account APY Minimum Deposit
Revolut Savings Vaults up to 3.50% $0
Data source: Revolut.

Revolut Savings Vaults offers a decent (but not the highest) APY if you're a paying member. If you're not, you'll earn an APY further below the best options out there. But it's nice that you don't need a minimum deposit to open the account.

Full Revolut Savings Vaults review

Here's a look at the pros and cons of the Revolut Savings Vaults.

Top perks

APY of up to 3.50%: A high annual percentage yield (APY) can stand up to inflation.

ATM-enabled Revolut card: All account tiers come with a free Revolut debit card that can be used for purchases and ATM withdrawals. You get $0 fee withdrawals at 55,000 in-network ATMs. Users with a Metal-tier account will get an upgraded experience: an exclusive 18-gauge solid steel debit card.

Exchange currency without fees: There are two ways you can use your account to spend while you travel. For one, you can spend in over 150 currencies with Revolut's competitive exchange rate. Or, if you need cash, exchange more than 25 fiat currencies with no extra fees (available Sunday through Friday). Keep your money saved in your most-used currencies with personal vaults.

Travel and purchase protections for paid accounts: Folks with paid Premium and Metal accounts get access to a lot of travel and purchase perks. This includes trip delay and interruption coverage, baggage delay insurance, and even event ticket protection.

FDIC insured: The money in Revolut Savings Vaults is actually kept in a bank account from Sutton Bank, which is a member of the FDIC. As such, standard FDIC coverage applies.

What could be improved

Only paid members get highest APY: At first glance, an APY of up to 3.50% looks pretty good. But it's important to realize that rate is only for paid users with Premium or Metal accounts. If you have the free Standard account, you don't qualify for that rate. Instead, you'll earn a full percentage point less at 3.25%. This is in line with inflation, but hardly a competitive interest rate.

Most features require monthly fees: As with the best rates, many of the notable features of Revolut Savings Vaults accounts are reserved for the paid plans. This includes all of the purchase and travel protections, as well as discounted international transfers. Your currency exchange cap will also depend on your plan type, with free accounts limited to $1,000 a month.

Debit card requires "topping up": Unlike a traditional bank debit card that is linked directly to your bank account, Revolut cards are prepaid, meaning you need to top them up from your digital account when you spend money.

How to access your money

Putting cash into your account can be complicated, but there are a lot of ways to access your funds.

Deposit options

Getting money into Revolut Savings Vaults requires using one of these methods:

  • Debit or credit card (fee may apply)
  • Electronic bank transfer from a linked bank account
  • Transfer from another Revolut user
  • Direct deposits
  • Wire transfers (fee may apply)

There's no direct way to deposit cash or a check into your account. Instead, you'll want to deposit into another account then transfer it into your Revolut account.

Withdrawal options

You can use digital or physical methods to get your money:

  • Debit card purchase
  • ATM withdrawal
  • Electronic bank transfer
  • Wire transfer (fee may apply)
  • Transfer to another Revolut user

If you're going to withdraw cash abroad, it could be beneficial to exchange currency in your account before hitting the ATM so you aren't stuck with inflated exchange rates.

Revolut Savings Vaults is right for you if:

If you're a frequent international traveler who is already paying for a Premium or Metal Revolut plan, then Revolut Savings Vaults could be a very useful addition to your account. Paid members get a competitive APY, and the ability to easily convert between currencies can be very useful while traveling.

Folks who don't travel enough to make a paid plan worthwhile should look for a lower-cost savings account with a better APY. Our list of the best high-yield savings accounts is a good place to compare accounts.

FAQs

  • Yes, the money you transfer into Revolut Savings Vaults is kept with Sutton Bank, a member of the FDIC. This means your deposits have the standard FDIC coverage of up to $250,000, per depositor, per bank.

  • Yes, depending on the plan. You can use the free Standard plan, which comes with basic features and a lower APY. If you want the highest interest rate, you'll need a paid Premium or Metal account ($9.99 and $16.99 a month, respectively).