รีวิว Revolut [2026] | สมัครบัญชี วิธีใช้ แลกเงิน และ Revolut vs Wise สำหรับคนไทย
- Revolut is a UK fintech company with 45M+ users worldwide, supporting 36+ currency accounts
- Multi-currency account with Visa/Mastercard for automatic FX in 150+ countries
- Weekday FX at interbank mid-market rate, free plan includes £1,000/month fee-free exchange
- Free plan available; Premium from £7.99/month for unlimited FX and zero weekend surcharge
- Built-in crypto buy/sell/stake for 228+ coins, crypto exchange-friendly for on/off-ramp
- Commission-free stock and ETF trading (Premium+), savings interest up to 5.50% APY
- International transfers via SWIFT and SEPA; Revolut-to-Revolut is instant and free
- Apple Pay / Google Pay supported, virtual card available immediately upon sign-up
สรุปสำคัญ
- Revolut เป็นธนาคารดิจิทัลของอังกฤษ มีผู้ใช้กว่า 50 ล้านคน ให้บริการบัญชีหลายสกุลเงิน ใช้จ่ายต่างประเทศไม่เสียค่าธรรมเนียม และซื้อขายคริปโต/หุ้น
- 5 แผน: Standard (ฟรี), Plus, Premium, Metal, Ultra แต่ละแผนมีวงเงิน ATM ประกัน และสิทธิพิเศษต่างกัน
- อัตราแลกเปลี่ยนระหว่างธนาคารในวันทำการ; เพิ่ม 0.5-1% ในวันหยุดสุดสัปดาห์และสกุลเงินที่ไม่นิยม
- ใช้ได้ใน 38+ ประเทศทั่วยุโรป อเมริกาเหนือ ออสเตรเลีย ญี่ปุ่น และสิงคโปร์ — ยังไม่เปิดให้ไต้หวันและจีนแผ่นดินใหญ่
Revolut คืออะไร? ใช้งานยังไง?
Revolut is a fintech company founded in London in 2015 by Nikolay Storonsky and Vlad Yatsenko. What started as a multi-currency travel card has grown into a comprehensive financial platform covering banking, international transfers, cryptocurrency trading, stock investing, and insurance — with over 45 million users worldwide as of 2026.
The core product is a multi-currency digital account: you can hold over 36 currencies in one app, including USD, EUR, GBP, JPY, and more. The account comes with a Visa or Mastercard debit card that automatically converts currencies at near-interbank rates when you spend in 150+ countries, saving the 1.5-3% foreign transaction fees charged by traditional banks.
The biggest difference from traditional banks is that Revolut is fully digital — no physical branches, everything done through the mobile app. Account opening takes about 10 minutes online. For expats and frequent travelers, this is a game-changer: no need to take time off work to visit a bank branch.
Revolut is regulated by the FCA in the UK, operates through a Lithuanian banking license in the EU, and holds local licenses in the US, Japan, Australia, and other markets. It’s not a gray-area financial tool — it’s a properly regulated digital bank.
For expats and overseas workers, Revolut’s most practical use cases include: an everyday bank account while living in Europe, a travel card for multi-currency spending, a fiat on/off-ramp for crypto exchanges, and commission-free stock investing. Let’s break each one down.
คุณสมบัติ: ใครสามารถเปิดบัญชี Revolut ได้?
Revolut isn’t available everywhere. Your eligibility depends on having a legal residential address in a supported country:
Currently supported regions:
- United Kingdom: Requires a UK address; you’ll get a Sort Code + Account Number
- EU / EEA countries (Germany, France, Netherlands, Ireland, etc. — 30+ countries): Requires a local address; you’ll get an IBAN
- United States: Requires a US address and SSN/ITIN
- Japan: Requires a Japanese residential address (local version available)
- Australia, New Zealand: Requires a local address
- Singapore: Requires a Singapore address
- South Korea: Limited availability
What documents do you need?
- Valid passport or local ID (most passports accepted for KYC verification)
- Proof of local address: bank statement, rental agreement, utility bill, or government letter (within the last 3 months)
- Some regions require a local tax ID (TIN): UK’s NI Number, EU tax IDs, US SSN/ITIN
In short: if you’re working, studying, or living abroad in a supported country, you can open a Revolut account with your passport and local address. Once opened, the account continues to work even if you move back to your home country — you can still use ATMs and spend online.
Key difference from Wise: Wise supports direct account opening from more countries without requiring a local address in a supported region. If you don’t have an overseas address, Wise may be the better starting point.
เปรียบเทียบแผน Revolut: Standard, Plus, Premium, Metal, Ultra
Revolut offers five tiers. Most people start with the free Standard plan, but if you exchange currencies regularly or trade crypto, upgrading to Premium or Metal pays for itself quickly.
| Feature | Standard | Plus | Premium | Metal | Ultra |
|---|---|---|---|---|---|
| Monthly fee | Free | £3.99 | £7.99 | £14.99 | £55 |
| Free FX allowance/month | £1,000 | £3,000 | Unlimited | Unlimited | Unlimited |
| Excess FX fee | 1% | 0.5% | Free | Free | Free |
| Weekend FX surcharge | 1% | 0.5% | 0% | 0% | 0% |
| Free ATM withdrawals/month | £200 | £200 | £400 | £800 | £2,000 |
| Excess ATM fee | 2% | 2% | 2% | 2% | 2% |
| Crypto trading fee | 1.49% | 1.49% | 0.99% | 0.49% | 0% |
| Stock trades | 1 free/month | 3 free/month | Unlimited free | Unlimited free | Unlimited free |
| Savings interest (US) | — | — | 4.50% APY | 5.50% APY | — |
| Savings interest (UK) | — | — | — | — | 4% AER |
| Travel insurance | — | — | Yes | Yes | Yes |
| Airport lounges | — | — | — | Yes (4/year) | Yes (unlimited) |
| Card material | Plastic/Virtual | Plastic | Plastic | Metal | Metal |
Plan recommendations:
- Occasional traveler, small FX amounts: Standard (free) is sufficient
- Living/working in Europe or UK, exchanging over £1,000/month: Premium (£7.99/month) — unlimited FX, zero weekend surcharge
- Crypto needs and frequent ATM use: Metal (£14.99/month) — 0.49% crypto fee + £800 ATM limit
- High-net-worth or business use: Ultra — airport lounges and 4% deposit interest
The weekend FX surcharge is the most common hidden cost for Standard users: from Friday 5 PM to Sunday 6 PM (Eastern Time), all currency exchanges incur a 1% surcharge. If you’re on the free plan, exchange your currencies before Friday.
วิธีสมัคร Revolut: 5 ขั้นตอนภายใน 10 นาที
The entire signup process is online — no branch visit required. With your passport and proof of address ready, it takes about 10 minutes.
Step 1: Download the Revolut App
Search for “Revolut” on the App Store or Google Play. We recommend signing up through a referral link for a potential welcome bonus:
Open the app and enter your phone number. You’ll receive an SMS verification code to complete phone authentication.
Step 2: Enter Your Personal Details
Enter your full name (matching your passport), date of birth, and residential address. The address must be in a supported country — this determines which region your account belongs to. A UK address gives you a UK account (Sort Code), an EU address gives you an EU account (IBAN).
Step 3: Identity Verification (KYC)
Take a photo of your passport’s information page, then complete a selfie liveness check. The system asks you to perform simple actions (blink, turn your head) to confirm it’s really you. Automated verification usually takes 5-10 minutes; manual review cases may take 1-2 business days.
Step 4: Choose Your Plan
The default is the free Standard plan. Start here and upgrade later based on your needs. You can upgrade or downgrade at any time within the app.
Step 5: Get Your Virtual Card and Start Using
Once approved, you’ll immediately receive a virtual Visa or Mastercard. Add it to Apple Pay or Google Pay and start spending right away. For a physical card, order it within the app — shipping costs around £4.99 (UK), possibly more for international delivery.
วิธีเติมเงินเข้า Revolut
After opening your account, the balance is zero. You’ll need to add funds before you can use it. The method depends on your location:
Method 1: Local Bank Transfer (Recommended)
Revolut provides local bank account details: UK accounts get a Sort Code + Account Number, EU accounts get an IBAN. Transfer from your local bank to Revolut just like any domestic transfer.
Method 2: Card Top-Up
Link a Visa or Mastercard in the app and top up instantly. Note: some credit card issuers treat Revolut top-ups as cash advances, which may incur extra interest charges. Using a debit card is the safest option.
Method 3: International Wire Transfer
If you’re sending money from a country without local Revolut support (e.g., China, Malaysia, or many Asian countries), you’ll need a SWIFT international wire:
- Visit your bank and initiate a SWIFT transfer
- Enter Revolut’s UK or EU account details (Sort Code/IBAN) as the recipient
- Your bank typically charges $10-30 for the wire
- SWIFT intermediary banks may deduct an additional $15-25
- Arrival time: 1-3 business days
Alternative: Open a Wise account first (supports more countries directly), transfer money to Wise, then from Wise to Revolut. Wise fees are usually lower and more transparent than direct SWIFT transfers.
ค่าธรรมเนียม Revolut เท่าไหร่? (อัตราแลกเปลี่ยน)
Currency exchange is one of Revolut’s core selling points. Weekday rates are near the interbank mid-market rate — much cheaper than the 1.5-3% spread charged by traditional banks.
How FX Rates Work
Revolut’s exchange rates have three tiers:
A concrete example: if you’re converting £1,000 to EUR with a mid-market rate of 1 GBP = 1.1700 EUR, Revolut on a weekday gives you approximately €1,168-1,170 (near mid-market). A traditional bank might give you only €1,140-1,150 (keeping 2-3% spread).
International Transfer Fee Structure
Transfer costs depend on the route:
- Revolut to Revolut: Free, instant
- UK domestic (Faster Payments): Free
- Eurozone (SEPA): Free
- International SWIFT: Revolut charges from £0.30-£5 (varies by plan and destination), but intermediary bank fees (£10-25) are unavoidable
For sending money internationally via SWIFT, Revolut’s own fee is low, but correspondent bank charges add up. Tip: send larger amounts less frequently to minimize the fixed-fee impact.
Weekend Surcharge Prevention
The weekend surcharge is the most common hidden cost for Standard users. Three ways to avoid it:
- Exchange currencies before Friday and hold them in the respective currency accounts
- If you exchange more than £800/month, Premium (£7.99/month) pays for itself quickly
- For urgent weekend exchanges, keep the amount within your free allowance
Revolut vs Wise: อันไหนดีกว่า?
Revolut and Wise are the two most popular digital financial tools for expats and international workers. They overlap in some areas but have distinct strengths. Here’s a practical comparison.
| Feature | Revolut | Wise |
|---|---|---|
| Country availability | Requires address in supported country | Available in more countries directly |
| Monthly fee | Free tier available; paid £3.99-£55/month | No monthly fee; pay per transaction |
| FX rate (weekdays) | Near mid-market; free within allowance | Mid-market + 0.33-0.6% transparent fee |
| Weekend FX | Standard +1%; Premium free | 24/7 fixed rate, no weekend difference |
| Large transfers | Less transparent; intermediary fees unpredictable | Fully transparent; total cost shown upfront |
| Supported currencies | 36+ account currencies | 40+ account currencies |
| Cryptocurrency | Built-in buy/sell/stake; exchange-friendly | Not supported; stricter on crypto transactions |
| Investing | Stocks/ETFs, savings interest | Savings interest (select regions) |
| Cards | Visa/Mastercard, virtual + physical | Visa/Mastercard, virtual + physical |
| Customer support | App chat only; can be slow | Chat + phone in some regions |
| Best for | Crypto users, daily spending, all-in-one | Large transfers, fee transparency |
Verdict: They’re complementary, not competitors. Wise is better for large international transfers (most transparent fees) and direct sign-up from more countries. Revolut is better for daily spending, crypto on/off-ramp, and investing. Many expats use both.
Revolut Crypto Features
Revolut has built-in cryptocurrency trading supporting 228+ coins — its biggest differentiator from Wise.
In-app trading:
Revolut X (advanced platform, EU):
- Maker fee: 0%
- Taker fee: 0.09%
- 400+ trading pairs
Deposits and withdrawals: Supports on-chain deposits and withdrawals for BTC, ETH, USDT, USDC, and other major coins. You can transfer crypto from exchanges (Binance, Bybit, etc.) to Revolut, or from Revolut to external wallets. In the EU, stablecoin-to-fiat conversion is 1:1 with zero fees.
The key takeaway for crypto users: Revolut won’t flag or freeze your account for crypto-related transactions. Wise is more conservative — some users report account restrictions after receiving funds from crypto exchanges.
Revolut Investing Features
Beyond crypto, Revolut offers traditional investing features:
- Stocks and ETFs: US and European stocks. Premium+ gets unlimited commission-free trades; Standard gets 1 free trade/month, then £1/trade. Fractional shares supported (buy 0.01 of Apple)
- Savings interest: Premium US accounts at 4.50% APY, Metal at 5.50% APY, Ultra UK accounts at 4% AER
- Crypto staking: Supports staking for select PoS coins directly in the app
ความเสี่ยงและข้อเสีย
Revolut isn’t perfect. Here are the risks you should know about before signing up:
Account Freezing Issues
This is Revolut’s most criticized issue. Its anti-money laundering (AML) system automatically flags unusual transaction patterns, potentially freezing your account and requiring source-of-funds documentation. There are numerous complaints about this on Trustpilot and various forums.
How to minimize the risk:
Weekend FX Surcharge
Standard and Plus plan users face a 0.5-1% surcharge on weekend FX. This fee isn’t listed separately — it’s baked into the exchange rate, making it easy to overlook.
Customer Service Quality
Revolut has no phone support — only an in-app chatbot and live chat. You’ll need to navigate past the bot to reach a human agent. Response times range from minutes to days, which is especially frustrating during account issues. Premium+ plans offer priority support, but improvements are limited.
Revolut’s biggest risk is account freezing, not fund safety. Its regulation and deposit protection schemes are legitimate (see below), but the automated AML detection sometimes produces false positives. When it happens, patience and documentation are your best tools.
Revolut ปลอดภัยหรือไม่? กฎระเบียบและการคุ้มครองเงินฝาก
Revolut’s regulatory framework varies by region:
United Kingdom:
European Union:
- Operates through a specialized banking license in Lithuania
- Deposits protected under the EU Deposit Guarantee Scheme up to €100,000
- This is genuine bank-level protection, identical to traditional banks
App security features:
- Face ID / fingerprint biometric login
- Instant card freeze/unfreeze (one tap in app)
- Disposable virtual card numbers to prevent online fraud
- Real-time push notifications for every transaction
- Configurable spending limits by region and amount
Overall, Revolut’s fund safety is credible. The issues are with account freezing and customer service, not with fraud or fund disappearance. More regulatory details at Revolut’s official legal page.
ผู้ใช้จริงพูดว่าอย่างไร?
Revolut has 286,774 reviews on Trustpilot with an average rating of 4.3/5.
「อัตราตลาดกลางเป็นคุณลักษณะนักฆ่า ประหยัดเงินได้หลายร้อยเมื่อเทียบกับธนาคารของฉันสำหรับการโอนเงินระหว่างประเทศ บัญชีหลายสกุลเงินเป็นตัวเปลี่ยนเกมสำหรับฟรีแลนซ์」
— ผู้ใช้ Trustpilot user, 2026
คำเตือนความเสี่ยงและข้อจำกัดความรับผิดชอบ
Cryptocurrency is highly volatile. Using crypto cards means your spending power fluctuates with market prices. Always do your own research (DYOR) and only invest what you can afford to lose. This article contains affiliate links.
คำถามที่พบบ่อย
Can users from China use Revolut?
China is not in Revolut’s direct service area. However, if you hold a Chinese passport and have a legal residential address in a supported country (UK, EU, US, etc.), you can open an account. Funding from China requires a SWIFT international wire, subject to China’s annual $50,000 foreign exchange limit per person.
What about Malaysia and Singapore?
Singapore residents can apply for Revolut directly — there’s a local Singapore version. Malaysia is not currently in Revolut’s service area; you’ll need a residential address in another supported country. Malaysian residents can consider Wise as an alternative.
Can I withdraw cash from ATMs?
Yes. Most ATMs with Visa/Mastercard logos worldwide support Revolut withdrawals. Choose to be charged in your account’s base currency (not the ATM’s local currency conversion, which usually has a terrible rate). Standard plan includes £200/month free ATM withdrawals; excess charges 2%. The ATM operator may also charge its own fee.
Do I need a tax ID to open an account?
It depends on the region. The UK may request your NI Number, EU countries may require a local Tax ID (TIN), and the US requires an SSN or ITIN. Student or tourist visa holders typically don’t need a tax ID for basic account opening.
What if my account application fails?
Common reasons: using an unsupported country’s address, unclear KYC photos, or name mismatch between passport and application. Fix: confirm you’re using a supported country’s address, retake clear passport photos, and ensure your name matches exactly. If it still fails, contact support through the app for manual review.
Can Revolut send international transfers? What are the fees?
Yes. Revolut-to-Revolut transfers are free and instant. SEPA (eurozone) and UK domestic transfers are free. International SWIFT transfers cost from £0.30 on Revolut’s end, but intermediary banks may deduct an additional £10-25.
สรุป: Revolut คุ้มค่าหรือไม่?
Revolut is ideal for:
Revolut may not be right if:
- You don’t have an address in a supported country
- Your primary need is large international transfers with fully transparent fees (Wise is better)
- You can’t tolerate the risk of potential account freezing
As someone who uses both Revolut and Wise, I recommend both — but for different purposes. Wise has more transparent fees and supports direct sign-up from more countries. Revolut is better for crypto-friendliness, all-in-one features (investing, savings, crypto), and everyday spending. If you have an overseas address, using both together is the most cost-effective approach.
บทความที่เกี่ยวข้อง
- รีวิว Wise ฉบับสมบูรณ์: วิธีสมัครและเปรียบเทียบค่าธรรมเนียม
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บทความที่เกี่ยวข้อง
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- วิธีฝากและถอนเงิน Bybit 2026: คู่มือครบถ้วนพร้อมเปรียบเทียบค่าธรรมเนียม
- คู่มือสมบูรณ์ Bybit: การสมัคร, KYC, ค่าธรรมเนียม และการเทรด Futures (2026)
ข้อจำกัดความรับผิดชอบ: บทความนี้มีวัตถุประสงค์เพื่อให้ข้อมูลเท่านั้น ไม่ถือเป็นคำแนะนำทางการเงิน ผลิตภัณฑ์ทางการเงินและคริปโตเคอร์เรนซีมีความเสี่ยง กรุณาตัดสินใจอย่างรอบคอบ บทความนี้มีลิงก์แนะนำ การสมัครผ่านลิงก์เหล่านี้ไม่กระทบเงื่อนไขของคุณ แต่ผู้เขียนอาจได้รับค่าตอบแทนจากการแนะนำ
