Revolut

Revolut is a British fintech offering comprehensive digital banking with multi-currency accounts, investments, and crypto trading. With millions of German customers, it now provides German IBANs to new customers (existing customers migrating throughout 2025) and targets tech-savvy users seeking modern banking alternatives[1]. Multiple paid subscription tiers unlock premium features like travel insurance, higher withdrawal limits, and exclusive perks[4].

The platform appeals to frequent travelers and young Germans wanting features unavailable at traditional banks[5]. However, it requires a German tax ID to open accounts and customer service experiences can vary[2][4]. Many internationals use Revolut alongside a German account, leveraging it for travel and investments while keeping a local bank for Girocard payments.

Revolut Pros

• German IBAN now available (new customers)[1]
• Modern app with investing, crypto, multi-currency[5]
• Great for travel with competitive rates[5][4]
• Premium subscriptions offer travel perks and higher limits[4]

Revolut Cons

• Requires German tax ID (need Anmeldung first)
• Customer service primarily via chat only[4]
• No Girocard for German shops
• Best features require paid subscriptions[4]

Revolut Public Sentiment

Customer feedback across review platforms reveals a polarized user experience, with many praising Revolut’s innovation while others express frustration with service limitations[2][3][6]. Positive reviews consistently highlight the app’s ease of use, competitive exchange rates, and speed of transfers, with users describing it as “awesome product” and noting “really fast transfers” and “helpful support”[1][6]. The mobile app receives strong ratings, though experiences vary between platforms[2].

However, concerns emerge around customer service accessibility and fraud resolution, with users reporting delays and difficulties reaching human support[2][3][6]. Common complaints include account access issues, high fees beyond usage limits, and challenges with complex banking matters that require more than chat-based assistance[2][5]. Despite mixed sentiment, many users appreciate Revolut as a complement to traditional banking, particularly valuing its travel-focused features and multi-currency capabilities[5][6].