Revolut Savings Vaults
#1 in Savings Account · Rated 4.5
Tiered savings vaults with plan-based APY in a digital bank
Revolut Savings Vaults let you park cash in dedicated vaults and earn interest that depends on your plan. The APY is higher on paid plans (Premium/Metal) and lower on the free tier (Standard). The product is designed for users who want easy, flexible savings alongside Revolut’s multi-currency features, international transfers, and spending tools. Deposits can be moved between your main account and Vaults with daily compounding and monthly interest credit. Vaults support withdrawals at any time, and the service is FDIC-insured through a partner bank (Cross River Bank) up to the standard $250,000 per depositor. The product integrates with Revolut’s broader ecosystem, enabling quick transfers, budgeting, and group vaults. Availability and rates vary by region and plan, making it ideal for global travelers and expats who already rely on Revolut for day-to-day banking and currency exchange.
Features
- Earn interest on vault balances
- APY varies by plan (Standard up to 2.75%, Premium/Metal up to 3.50%)
- Withdrawals anytime
- Group Vaults
- FDIC insured through Cross River Bank
Pros
- High APY on paid plans
- Flexible access to savings
- Strong multi-currency support
Cons
- Rates are plan-dependent and may change
- Not all regions support Vaults equally
- Requires Revolut account and, for highest APY, a paid plan