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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.
Revolut Savings Vaults
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:
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:
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.
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 |
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Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
4.90/5
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.
|
up to 4.50%
Rate info
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
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Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
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.
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Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
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Open Account for American Express® High Yield Savings Account
On American Express's Secure Website.
4.80/5
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.
|
3.50%
Rate info
3.50% annual percentage yield as of October 1, 2025. Terms apply.
Min. to earn: $0
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N/A
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Open Account for American Express® High Yield Savings Account
On American Express's Secure Website. |
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Open Account for Western Alliance Bank High-Yield Savings Premier
On Western Alliance Bank's Secure Website.
4.40/5
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.
|
4.10%
Rate info
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
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N/A
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Open Account for Western Alliance Bank High-Yield Savings Premier
On Western Alliance Bank's Secure Website. |
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.
Account | APY | Minimum Deposit |
---|---|---|
Revolut Savings Vaults | up to 3.50% | $0 |
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.
Here's a look at the pros and cons of the Revolut Savings Vaults.
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.
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.
Putting cash into your account can be complicated, but there are a lot of ways to access your funds.
Getting money into Revolut Savings Vaults requires using one of these methods:
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.
You can use digital or physical methods to get your money:
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.
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.
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).