Revolut savings rates 2026: savings account and fixed-term deposit
In October 2026 the euro gross interest rate of Revolut's Instant Access Savings account is 1.18% on the Standard plan and 2.36% on the paid Ultra plan up to €100,000. New Finnish customers also get a time-limited 3.06% promotional rate on a balance of up to €15,000.
Revolut savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| Instant Access Savings (EUR) | 1.18% | Gross rates by plan: Standard 1.18%, Plus 1.18%, Premium 1.48%, Metal 1.77%, Ultra 2.36% up to €100,000 and 1.77% above €100,000 | Deposits and withdrawals at any time; no fees. | not available | Yes | Opening and use are free; the Premium, Metal and Ultra plans are paid. |
- Instant Access Savings (EUR): Promotion: for new customers in Finland for a limited time a 3.06% gross rate (2.60% after Lithuanian withholding tax) on a balance of up to €15,000. Source: Revolut's deposit information sheet (version 1.3.2, changed on 8 May 2026). Interest is calculated and paid daily. Requires a Revolut Bank UAB customer relationship and tax residence in Finland.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Lithuania |
| Opening online as a new customer | Yes |
| Requires a current account or customer relationship | Yes |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Lithuanian deposit guarantee (Indėlių ir investicijų draudimas), €100,000 per depositor per Revolut Bank UAB; all deposits at Revolut Bank UAB are added together. Revolut has no Finnish branch on the Financial Stability Authority's list.
Withholding tax: Lithuanian withholding tax, declare in Finland. Lithuanian withholding tax is deducted from the interest, and the interest must be declared in Finland. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state. Read more in the guides deposit guarantee and tax on savings deposits.
Calculate the return
Enter the amount and the term in the savings rates calculator to see the gross interest, the tax and the net interest of Revolut compared with other providers. See all providers in the savings rates comparison.
See also
- Savings rates comparison
- Fixed-term deposits compared
- Savings account vs fixed-term deposit
- Revolut price list and service fees
Similar savings rates
Sources
- Revolut: Instant Access Savings talletustietolomake (FI) v1.3.2retrieved 16 October 2026
- Revolut: Instant Access Savings -ohjeretrieved 16 October 2026
Information checked 16 October 2026. Always check the current rate and terms with the provider.
Frequently asked questions
How much interest does Revolut pay on a savings account?
In October 2026 Revolut savings accounts and rates: Instant Access Savings (EUR) 1.18%. Note: campaign; no Finnish branch; Lithuanian withholding tax.
Is a deposit at Revolut safe?
Lithuanian deposit guarantee (Indėlių ir investicijų draudimas), €100,000 per depositor per Revolut Bank UAB; all deposits at Revolut Bank UAB are added together. Revolut has no Finnish branch on the Financial Stability Authority's list. The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Revolut?
Lithuanian withholding tax, declare in Finland. Lithuanian withholding tax is deducted from the interest, and the interest must be declared in Finland. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state.