Revolut Stocks and Shares ISA review: Is it worth it?

Disclaimer: The information in this article is for reference purposes only. Wise does not offer to buy or sell stocks, and all information on this page should not be considered financial advice. All investment decisions should be made after thorough research and consultation with a qualified financial advisor. Remember that investments, even in low-risk funds, are never guaranteed and your capital is at risk.

Thinking of opening a stocks and shares ISA? Whether you’re new to investing or you’re simply switching providers, you might be interested to know that the UK fintech Revolut has a Stocks & Shares ISA.

We’ll be putting it under the microscope here in our comprehensive Revolut Stocks and Shares ISA review.

So read on for everything you need to know, from features and eligibility to trading and commission fees.

Who the Revolut Stocks & Shares ISA is best for?

The Revolut Stocks & Shares ISA can be used by any kind of UK investor, whether you’re a beginner or an experienced investor.

However, it may be best for those with at least some investment experience. This is because it's self-managed, so you’ll need to pick and choose your own investments. So you may want to get some professional advice on which shares and ETFs to invest in.

Revolut’s trading platform does seem to be very straightforward and user-friendly though, so it shouldn’t be too difficult even for investing novices to get started.

Read more about how stocks and shares ISAs work below.

📚How stocks and shares ISAs work

Who can open an account?

To be eligible for the Revolut Stocks & Shares ISA, you’ll need to meet the following requirements:¹

• You’re at least 18 years old
• You’re a UK resident for tax purposes
• You’ve not already exceeded your ISA limit of £20,000 for the current tax year.

If you meet the criteria, you can open an account in the Revolut mobile app - you’ll first need to sign up for a Revolut plan. Make sure you have your National Insurance (NI) number to hand - this is required to open all ISAs in the UK, including cash ISAs.

What currencies are supported?

Revolut doesn’t say whether any currencies other than GBP are supported with its Stocks & Shares ISA.

It’s likely that your account will be denominated in British pounds (GBP), and all trades will be carried out in GBP.

However, this doesn’t mean you can’t buy and sell stocks on international stock exchanges with your Revolut Stocks & Shares ISA. In this case it is likely that currency conversion will be required, and this comes with a small fee.

Revolut Stocks & Shares ISA features

Now, let’s take a look at the key features of the Revolut Stocks and Shares ISA:²

• Choose from 4,000+ stocks and ETFs
• UK, US and EEA products available, including fractional shares
• At least 1 commission-free order or trade a month (depending on Revolut plan)
• Manage investments via the Revolut mobile app.

It’s also useful to know that this is a flexible ISA,² which means that any money you withdraw and then put back in won’t affect your annual ISA allowance. Find out more about how ISAs work in our article below.

📚How ISAs work

Revolut Stocks and Shares ISA fees

Before you open any kind of ISA or investment account, you’ll need to know exactly how much it’s going to cost you.

Here are the main fees and charges you need to know about for the Stocks & Shares ISA with Revolut:²

Type	Revolut fee
Account fee	None, but Revolut plan required - fees from £0 to £45/month
Commission fees	1 to 10 commission free trades/month (depending on plan) 0.25% above this
Withdrawal fees	None
Weekday currency exchange fees	0% to 1% (depending on the plan’s fair usage limits)
Additional weekend currency exchange fees	1% for the Standard plan 0.5% for the Plus plan 0% for all other plans

Does the Revolut Stocks and Shares ISA have an account fee?

Revolut’s Stocks & Shares ISA doesn’t have any account or subscription fees.

However, you do need to sign up to a Revolut plan in order to access it. The monthly fee for this ranges from £3.99 to £45, although there is also a free Standard plan.²

Trading fees with Revolut Stocks and Shares ISA

Revolut has a pretty straightforward setup when it comes to trading fees. It offers a limited number of commission free orders or ETF trades a month - between 1 and 10 depending on your plan.

Above this, it charges a flat fee of 0.25% per trade.² If you’re on Revolut’s most expensive plan Ultra, this fee is discounted to just 0.12%.³

How much does Revolut Stocks and Shares ISA charge for UK stocks?

Revolut charges the same commission fees for all stocks and shares available through its Stocks & Shares ISA. This is 0.25% once you’ve exceeded your monthly plan limit of commission-free trades, unless you have Revolut Ultra in which case this fee is 0.12%.²

Revolut Stocks and Shares ISA withdrawal fees

Revolut doesn’t charge for cash withdrawals from its Stocks and Shares ISA, so you should be able to withdraw freely.

You’ll just need to make sure that the funds you want to withdraw aren’t tied up with an investment. If so, you’ll need to sell the investment before you can cash out.

Revolut Stocks and Shares ISA commission fees²

Revolut’s commission fees are very straightforward - you get a limited number of commission-free trades a month according to your plan limits, then you’ll pay a fee of 0.25% per trade above that, unless you are on their Ultra plan then this is 0.12%.

How to buy stock with Revolut Stocks and Shares ISA

Once you’ve opened a Revolut Stocks & Shares ISA, you can buy stock by following these steps:⁴

1. Open the Revolut app and login to your account
2. Go to ‘Invest’ on the bottom menu
3. Tap ‘trade’
4. Browse or search the available stocks
5. Tap ‘buy’ and specify either the amount of shares you want to buy, or the cash amount you’d like to trade
6. Review the order carefully
7. Once you’re happy, submit the order.

Take a look below for more info on buying shares in the UK.

📚How to buy shares

Buying stock in another currency?

Buying or selling a stock or shares that aren’t traded in your local currency? Don’t let the currency conversion trip you up. Convert your stocks or shares into any currency with our handy tool, and you’ll always know what you’re getting.

Check out our international stock ticker tool.

Explore international stocks 🌍

Disclaimer: Wise's international stock ticker provides information for reference purposes only. This tool and platform does not offer to buy or sell stocks, and the data displayed here should not be considered financial advice. All investment decisions should be made after thorough research and consultation with a qualified financial advisor. We make no guarantees regarding the accuracy or completeness of the information provided, and users should exercise caution and seek professional guidance when making investment choices.

How is the Revolut Stocks and Shares ISA mobile app?

You can use the Revolut mobile app for managing your Stocks and Shares ISA.

It’s available for both Android and iOS devices, and lets you check and manage your portfolio at any time. You can manage your investments, buy stock and withdraw funds.

Revolut Stocks and Shares ISA customer service

If you need help with your Revolut Stocks and Shares ISA, the best way to contact customer services is via the mobile app. Simply log in to your account and use the in-app chat service.

Alternatives to the Revolut Stocks and Shares ISA

Revolut is far from the only provider of stocks and shares ISAs in the UK. There are plenty of alternatives you can choose from, such as:

• Barclays Investment ISA
• NatWest Stocks and Shares ISA
• Halifax Stocks and Shares ISA
• HSBC Stocks and Shares ISA
• Lloyds Stocks and Shares ISA
• Trading 212 Stocks ISA
• Moneybox Stocks and Shares ISA
• Vanguard Stocks and Shares ISA

FAQs about investing with Revolut S&S ISA

Can you withdraw cash from Revolut ISA?

Yes, you can withdraw cash from your Revolut ISA whenever you want, free of charge.

What you can invest in with a Revolut S&S ISA?

Revolut Stocks and Shares ISAs give you access to both stocks and Exchange-Traded Funds (ETFs).

Is Revolut good for beginners?

While Revolut does have a user-friendly app, it is perhaps best for people with at least some investment experience. This is because its Stocks & Shares ISA is self-managed, meaning you’ll choose all of your investments yourself.

Help to grow your international money with Wise

Not sure about using a stocks and shares ISA to help you save?

With Wise Interest, you could earn a return on your money by choosing to invest your GBP, EUR and USD from as little as £1, $1 or 1€.

You can choose how your money is used and even earn while you continue to send and spend. Simply select your chosen currency then under ‘Options’, select ‘Earn’ and choose ‘Stocks’ or ‘Interest’. Growth is not guaranteed.

All your money is held as ‘cash’ by default, so you can’t earn a return on what you spend, but it isn’t at risk in the market.

If you select the ‘Stocks’ option, we’ll invest some or all of your money (you can choose to allocate all or part of your chosen currency) in the index tracking fund we’ve chosen.

And if you opt for Wise Interest you can choose to give us permission to invest all or some of your money in the interest-earning fund we’ve chosen, this will depend on the currency.

Wise Interest can help grow your international money and start earning a return on the pounds, euros and dollars in your account. When you use Wise Interest, you can send and spend your money whenever you want, including your gains and you can transfer up to 10,000 GBP (or equivalent) each day from Interest currencies. Anything above will add a processing time of up to 2 working days.

To protect your account, we may occasionally need to temporarily limit the amount of money you can withdraw, send, or spend daily. In this case you’d still get full access to your money within 2 working days.

We invest your money in government-backed asset funds. This means that when the central bank rates change, your return does too. You can check the 7 day past performance on the Wise Interest page. Past performance doesn't guarantee future growth. Capital at risk.

Consider turning on Wise Interest, which could help grow your money.

Learn more about Wise Interest

Capital at risk. Growth not guaranteed. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you’re uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.

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Sources used for this article:

1. Revolut - eligibility
2. Revolut - Revolut Stocks & Shares ISA features
3. Revolut - Revolut trading fees
4. Revolut - how to place a stock order

Sources checked on 14-Jul-2025

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