
Revolut offre la possibilité de diversifier votre épargne en investissant dans différentes catégories d'actifs, telles que les actions, les obligations, les indices et les crypto-monnaies.
En investissant dans différents types d'actifs, vous pouvez réduire le risque de votre portefeuille et potentiellement augmenter vos gains.
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Investment Concept
Investment in Revolut is a great way to earn interest on your money, with interest rates ranging from 0.5% to 2.75% APY.
Revolut's investment feature allows you to invest in a diversified portfolio of stocks, bonds, and other assets with just a few taps on your screen.
You can start investing with as little as £1, making it accessible to anyone.
Revolut's investment platform is designed to be user-friendly, with no minimum balance requirements or hidden fees.
The platform also offers a range of investment options, including a "Stocks" feature that allows you to buy and sell individual stocks.
Revolut's investment team is dedicated to helping you achieve your financial goals, with personalized investment advice and regular portfolio reviews.
You can also use Revolut's investment feature to save for specific goals, such as a down payment on a house or a big purchase.
Origine et Évolution
Revolut started humbly in London in 2015 with a clear ambition: to revolutionize personal finance. Since then, it has evolved from a travel money card to a fintech giant, breaking into the competitive investment sector.
Revolut was founded in 2014 in the UK, but its headquarters is now in Lithuania. The company was created by Nikolay Storonsky and Vlad Yatsenko, who initially offered a payment card for international transactions.
In 2017, Revolut launched in France, valued at $1.7 billion. This valuation quickly increased to $5.5 billion after several funding rounds, and then skyrocketed to $33 billion in 2021, surpassing some of Europe's historic big banks.
Revolut now has over 30 million clients worldwide, with 2.4 million in France alone, who make over 400 million transactions every month.
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Avantages et Facilités
Revolut offers a range of features that make investing easy and accessible. With over 30 million clients, Revolut has significant bargaining power to provide exclusive offers and discounts to its users.
Transferring money between users is instant and free, making it a convenient option for sharing small amounts with friends. Revolut also offers a cashback feature for purchases made with its partner businesses, which can be a great incentive for users.
Revolut's user-friendly interface makes it easy to navigate and manage your investments, even for beginners. With a "portefeuille durable" feature in development, users can invest in a way that supports environmental and social changes.
You can invest in a variety of assets, including ETFs, cryptocurrencies, gold, and silver, all within the Revolut app. This diversification allows you to spread your risk and potentially increase your returns.
A Stress-Free Solution
Revolut offers a stress-free solution for managing your finances, making it easy to navigate and use. The application's interface is intuitive and user-friendly, allowing you to manage your portefeuille with ease.
With Revolut, you can set up automatic transfers from your account to your portefeuille, starting from a minimum of 10 euros. This feature is designed to make investing easy and hassle-free.

A significant number of users, 53%, have reported feeling overwhelmed by the process of investing, highlighting the need for a user-friendly solution like Revolut's. The application's goal is to provide a stress-free experience for its users.
Revolut is also working on a "portefeuille durable" feature, which will enable users to invest in a way that supports environmental and social changes. This feature is still in development, but it promises to be a valuable addition to the application's existing tools.
The rapidity of transactions on Revolut's platform has helped build trust among users, who can now manage their finances with confidence.
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Avantages de l'Investissement
Investir avec Revolut est une solution « sans stress » qui permet de faire travailler votre argent pour vous avec une solution sur mesure. Vous pouvez créer des transferts récurrents d'un montant minimum de dix euros vers votre portefeuille.
Revolut propose un portefeuille « durable » en développement qui permet d'investir pour soutenir les changements environnementaux et sociétaux. C'est une excellente façon de contribuer à des causes qui vous tiennent à cœur.
Vous pouvez également accéder à une large variété d'options d'investissement, notamment les ETF, les cryptomonnaies, l'or et l'argent. Cela permet de diversifier vos investissements et de minimiser les risques.
Voici les différentes options d'investissement disponibles sur Revolut :
Revolut propose également un outil d'analyse et de budgétisation qui vous aidera à respecter votre budget, à épargner et à avoir un résumé détaillé de vos finances.
Risques et Coûts
Investing with Revolut comes with its own set of risks and costs that you should be aware of.
Hidden fees and charges can sneak up on you if you're not paying attention. For example, fees related to international transactions or currency conversion on weekends can pop up unexpectedly.
It's always a good idea to carefully review the terms and conditions before making significant investments. This is exactly what Julien, a young and enthusiastic investor, learned the hard way. He realized that currency conversion fees were multiplying when he made purchases on weekends. After that, he made a conscious effort to plan his transactions during the week, which helped him save and optimize his investments.
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The fees for transactions, conversion of currencies, and other services can vary depending on your subscription plan. Here's a brief comparison of the fees:
If you have a Premium or higher subscription, you can exchange currencies without limits or fees. However, if you have a Standard or Plus plan, you may be charged for excessive conversions. The fees for currency exchange are as follows:
Keep in mind that if you exceed your monthly limit, you'll be charged for each conversion. Additionally, currency exchange fees may be higher on weekends, regardless of your subscription level.
Plateforme et Services
Revolut's platform isn't perfect and may have some limitations. Users may encounter restrictions based on their location or the type of account they have.
Some users might find that the investment protection and insurance aren't as robust as those offered by traditional accounts, which can be a concern for cautious investors.
Revolut's platform can't be used as a primary investment tool without careful consideration of these limitations.
Acheter et Diversifier
You can buy and diversify your investments with Revolut, which offers a range of options including cryptomonnaies and métaux précieux.
Revolut's Crypto service allows you to buy over 80 different cryptomonnaies, including Bitcoin, Ethereum, and Solana, with interest rates ranging from 2.05% to 11.55% APY.
The fees for buying and selling cryptomonnaies depend on your subscription plan, with rates ranging from 1.49% to 0.49%.
You can also buy métaux précieux like or, argent, palladium, and platine with Revolut, which has seen a 20% performance increase over the past 6 months.
Here's a breakdown of the fees for buying métaux précieux:
Acheter Cryptomonnaies
If you're interested in buying cryptocurrencies, Revolut Crypto is definitely worth checking out. They offer a wide range of digital currencies, including Bitcoin, Ethereum, and Solana, with over 80 options to choose from.
One of the benefits of using Revolut Crypto is the ability to earn a reward through staking, depending on the currency you use. For example, staking Polkadot can earn you an impressive 11.55% APY.
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The fees for buying and selling cryptocurrencies on Revolut vary depending on your subscription level. If you're on the Standard & Plus plan, you'll pay 1.49% in fees, while Premium & Metal subscribers pay 0.99%, and Ultra subscribers get the best deal at 0.49%.
Here's a breakdown of the fees you can expect to pay:
Keep in mind that unlike traditional trading, Revolut doesn't offer any free transactions, so you'll need to factor those fees into your investment decisions.
Diversifier Votre Epargne
Diversifier votre épargne peut être un sujet complexe, mais il est essentiel de le faire pour protéger votre patrimoine.
Investir dans des valeurs refuges comme l'or et l'argent peut être une bonne idée, car ils ont connu une performance de 20% sur les 6 derniers mois.
Revolut propose d'acheter différents métaux précieux, dont l'or, l'argent, le palladium et la platine.
Vous devrez payer des frais sur chaque transaction passée, qui dépendront de votre plan, et il faudra également prendre en compte les frais de change appliqué par Revolut.
Les frais de Revolut varient entre 1 € et 1,99 % pour les abonnements Standard & Plus, et entre 1 € et 1,49 % pour les abonnements Premium, Metal & Ultra.
Voici les différents métaux précieux proposés par Revolut :
- L’or
- L’argent
- Le palladium
- Le platine
Tarifs Abonnements
Revolut offers four levels of abonnement with varying services and prices. The standard abonnement is free, while the Plus, Premium, Metal, and Ultra abonnements cost €3.99, €9.99, €16.99, and €45 per month, respectively.
For investing, you'll want to consider the abonnement that suits your needs. The Ultra abonnement offers the best deal for frequent traders, with 10 trades per month at 0.49% fee.
Here's a breakdown of the abonnement fees for investing:
The Ultra abonnement is ideal for those who want to invest and trade frequently, as it offers the lowest fees.
Notre Avis
Revolut is a game-changer in the world of finance, offering a wide range of innovative features that make managing your money a breeze.
One of the standout features of Revolut is its ability to track your expenses and provide detailed reports on your spending habits. This is made possible through its advanced analytics and budgeting tools, which can even connect to other bank accounts, such as BNP Paribas and Crédit Agricole.
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With Revolut, you can also enjoy instant and fee-free transfers between users, making it a great option for splitting bills or sending money to friends. This feature is so convenient that many users have even started asking their friends if they have a Revolut account before sending money.
Revolut's cashback program is another perk that's worth mentioning. By partnering with various merchants, Revolut offers cashback on purchases, which can be a great way to earn rewards on your everyday spending.
However, it's worth noting that Revolut's fees can add up quickly, especially if you exceed the limits of your chosen plan. So, it's essential to carefully review the fees and choose a plan that suits your needs.
Revolut's innovative approach to finance has made it a popular choice among users, with over 30 million customers worldwide. This scale gives Revolut significant bargaining power, allowing it to offer exclusive deals and discounts to its users.
Revolut's "Expériences" program is a great example of this, offering users cashback on a wide range of experiences, from visits and activities to attractions and events. With over 300,000 options to choose from, you're sure to find something that suits your interests.
Overall, Revolut is an excellent solution for managing your finances, especially for those who value convenience and innovation. However, it's essential to carefully consider the fees and limitations before making it your primary account.
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Frequently Asked Questions
What happens to my money if Revolut goes bust?
If Revolut becomes insolvent, your money is protected and will be paid out first from our dedicated client funds. Your funds are secured and prioritized, ensuring you're protected in the unlikely event of insolvency
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