Revolut savings rates, plan by plan
Revolut pays real daily interest on an instant access deposit, but the headline depends on which subscription you pay for, and the Standard rate quietly halves above €2,500. The guarantee behind it is Lithuanian, not Irish. All fine, if you know.
Every rate on this page was read from the provider's own site. Last verified 1 August 2026.
- RevolutInstant Access Savings2.00%
- Term / access
- Instant access · Instant access, interest paid daily
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Lithuanian DGS · €100,000
Standard plan rate, on the first €2,500 (1% above). Paid plans earn up to 2.50%. Held with Revolut Bank UAB in Lithuania.
Ranked by AER, highest first. Nobody can pay for position or inclusion. How we rank, and how we get paid
Revolut's best lump sum rate
2.00%
Instant Access Savings
The market's best
3.23%
Raisin · BluOr Bank, fixed term deposit
The plan ladder
Standard and Plus pay 2.00% AER on the first €2,500 and 1.00% above it, blended across the balance. Premium pays 2.00% on everything, Metal 2.25%, Ultra 2.50% up to €100,000. Interest is calculated and paid daily, which is genuinely rare, and there are no withdrawal limits.
The taper matters: on €20,000, a Standard-plan saver earns roughly 1.13% blended, not 2.00%. Upgrading the plan to chase the rate rarely pays for itself, since the fee outruns the extra interest at ordinary balances.
Whose guarantee, and which product
Deposits sit with Revolut Bank UAB in Lithuania, covered by the Lithuanian deposit insurance scheme to €100,000. Revolut withholds Irish DIRT for Irish customers, so there is no tax paperwork on the savings account.
Revolut also sells Flexible Cash Funds at similar-looking rates. Those are money market funds: capital at risk, no deposit guarantee, different tax treatment. They are not in our table because they are not deposits.
Related: how DIRT works · the best deposit rates · State Savings
Revolut questions, answered straight
- What interest does Revolut pay in Ireland?
- On Instant Access Savings: 2.00% AER for Standard and Plus plans on the first €2,500 (1.00% above), 2.00% for Premium on everything, 2.25% for Metal, 2.50% for Ultra up to €100,000. Paid daily. Verified on revolut.com on 1 August 2026.
- Is Revolut savings covered by a guarantee?
- Yes, the Lithuanian deposit insurance scheme, up to €100,000 per person, because the deposit sits with Revolut Bank UAB. It is not the Irish Deposit Guarantee Scheme.
- Does Revolut deduct DIRT?
- Yes. Revolut withholds Irish DIRT at 33% on savings interest for Irish customers, unlike most non-Irish providers.