Which Countries Does Revolut Restrict?

Revolut personal accounts remain unavailable in roughly 150 countries during 2026. According to the company's official eligibility documentation, coverage is extensive across Europe, North America, and Oceania. Most residents of Africa, Asia, and Latin America, however, still cannot register for the app's core financial services.

Revolut Restricted Countries List in 2026

The table groups every restricted region and highlights its most notable excluded jurisdictions:

Several markets that were previously restricted are now in transition. India operates a beta payments product, the UAE received central bank approvals in 2026, and Colombia, Chile, and Mexico are part of an active Latin American expansion pipeline.

Why Does Revolut Restrict These Countries?

Two overlapping filters shape Revolut's country map. The first is what regulators legally allow. The second is whether Revolut considers a market commercially viable and operationally safe. Both can change from year to year as new licenses are issued and risk assessments evolve.

1. Regulatory and Compliance Obligations

As a licensed bank and e-money institution, Revolut has to satisfy a separate set of legal requirements in every market it enters. Failure to meet even one can keep an entire country off the supported list.

These regulatory hurdles most frequently determine where Revolut can operate:

• Banking Licenses: Every new market requires separate authorization, similar to the multi-year process Revolut completed with the PRA before receiving full UK banking permissions.
• AML Frameworks: Jurisdictions appearing on FATF monitoring lists face automatic exclusion when their anti-money laundering infrastructure cannot meet Revolut's transaction screening obligations.
• Identity Systems: Biometric verification becomes more difficult in countries without machine-readable passports or digital ID databases, particularly given the standards the FCA expects from regulated e-money issuers.
• Sanctions Regimes: Comprehensive embargoes published by the UN Security Council and OFAC require blanket service blocks in territories such as North Korea, Iran, and Syria.
• Crypto Rules: Digital asset services require separate approvals. As a result, crypto trading often launches later than banking, including in Revolut markets that are otherwise fully supported.
• Data Sovereignty: Local data-storage mandates can conflict with the GDPR-aligned standards enforced on Revolut's UK entities by the ICO when adequate privacy safeguards are missing.
• Central Banks: Before a national rollout can legally begin, local monetary authorities must authorize deposit-taking, currency exchange, and payment processing individually.

2. Risk Management and Market Strategy

Regulatory approval does not guarantee a launch. Before committing capital, Revolut also evaluates fraud exposure, infrastructure costs, and expected revenue. Some markets therefore remain restricted even when they are legally accessible.

Revolut's internal risk framework screens prospective markets against these factors:

• Fraud Density: Elevated rates of account takeover, card cloning, or social engineering can exceed the loss thresholds tolerated by Revolut's security teams.
• Currency Volatility: Hyperinflationary economies can undermine Revolut's core real-time FX engine, making reliable settlement and stable pricing extremely difficult.
• Support Infrastructure: A launch requires localized compliance officers, language support, and dispute-resolution capacity. In thin-margin markets, those costs may not be economically justified.
• Banking Rails: Deposits, withdrawals, and card settlement can become too slow for Revolut's product standards in countries without instant payment networks or dependable correspondent banking.
• Revenue Modeling: Expansion teams require projected interchange, subscription, and trading income to exceed the multi-million entity setup costs before approving a jurisdiction.
• Political Stability: Armed conflict, capital controls, or sudden regulatory reversals can trigger immediate suspensions, as occurred with service pauses across several Eastern European markets.

Revolut Supported Countries

In 2026, Revolut accepts personal and business registrations across 40+ countries. Its footprint is anchored by the UK, the full EEA, and the United States, with a growing presence in Asia-Pacific and Latin America.

Revolut Personal Account

Residents of 40 countries and 10 overseas territories can open Revolut personal accounts if they are at least 18 and pass identity verification using local residency documents.

Every eligible region and territory is listed below:

• Global Support: Australia, Brazil, Japan, New Zealand, Singapore, Switzerland, United Kingdom, United States, Mexico (waiting list until full 2026 launch).
• EEA Countries: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden.
• Overseas Territories: British Indian Ocean Territory (UK), Isle of Man (UK), Jersey (UK), Guernsey (UK), French Guiana (FR), Guadeloupe (FR), Mayotte (FR), Martinique (FR), Reunion (FR), Saint Martin (FR).

Revolut Business Account

Revolut Business accounts are available to companies registered across 34 regions. At signup, applicant directors must live in one of 14 globally supported countries.

These regions and territories currently accept business applications:

• Global Residency: United Kingdom, United States, EEA (Bulgaria excluded for US companies), Australia, Singapore, India, Brazil, Canada, Israel, Japan, Mexico, New Zealand, Switzerland, United Arab Emirates.
• Supported Territories: Gibraltar (UK), Guernsey (UK), Isle of Man (UK), Jersey (UK), Aland Islands (Finland), Azores (Portugal), Madeira (Portugal), Mayotte (France), French Guiana (France), Guadeloupe (France), Martinique (France), Reunion (France), Saint-Martin (France).

Revolut Crypto Supported Countries

Revolut crypto entered a new phase after the company secured a MiCA license through Cyprus, creating unified digital asset access across the EEA. Coverage now extends through the UK and Europe, alongside a rebuilt US offering. The range of available features still differs substantially by product.

For users in supported regions, our guide on how to buy crypto with Revolut explains funding, order types, and fee optimization step by step.

1. Revolut X (Advanced Crypto Exchange)

• Product: Revolut X is a standalone professional exchange with 0% maker and 0.09% taker fees. It includes TradingView-integrated charting and direct settlement into Revolut accounts.
• Availability: 31 countries, covering the United Kingdom and all 30 EEA markets.
• Geo Restrictions: 159+ regions including USA, Australia, Singapore, Switzerland, Japan, Brazil, New Zealand, Mexico + 151 others.

2. Retail In-App Crypto Trading (Buy/Sell/Hold)

• Product: The in-app interface supports trading in 280+ tokens using tiered percentage pricing, with a $1 minimum fee on low-value transactions.
• Availability: 41 countries including the UK, EEA, USA (49 states), Australia, Singapore, and Switzerland.
• Geo Restrictions: 150+ countries including China, Indonesia, Turkey, Nigeria, Egypt, Canada, Argentina, Saudi Arabia + 142 others.

3. Crypto Deposits and Withdrawals (Onchain)

• Product: Onchain transfers are supported for 100+ assets. Revolut charges flat $1 or $3 service fees plus variable network costs and uses allowlisting protections against address-poisoning scams.
• Availability: 31 countries, spanning the United Kingdom and the full EEA.
• Geo Restrictions: 159+ regions including Japan, Brazil, USA, Switzerland, Australia, Mexico, Singapore, New Zealand + 151 others.

4. Revolut Ramp

• Product: Revolut Ramp is a Web3 checkout integration for fiat-to-crypto purchases within MetaMask, Ledger, and partner wallets. It supports 20+ tokens and 25+ fiat currencies.
• Availability: 31 countries including the United Kingdom, Portugal, Belgium, and Greece.
• Geo Restrictions: 159+ regions including Australia, New Zealand, Singapore, USA, Mexico, Japan, Brazil, Switzerland + 151 others.

5. Crypto Staking

• Product: Crypto staking operates with zero platform fees under Crypto 2.0. Network rewards of up to 22% APY on select proof-of-stake tokens are passed directly to users.
• Availability: 31 countries including the United Kingdom, Sweden, Norway, and Denmark.
• Geo Restrictions: 159+ regions including Brazil, Mexico, Switzerland, Japan, USA, New Zealand, Australia, Singapore + 151 others.

6. Crypto Spend (Revolut Card)

• Product: Card payments support real-time crypto-to-fiat conversion at 0% exchange fees, subject to standard plan-based fair usage allowances and spending caps.
• Availability: 31 countries including the United Kingdom, Austria, Finland, and Czech Republic.
• Geo Restrictions: 159+ regions including Singapore, Switzerland, New Zealand, Australia, Brazil, USA, Japan, Mexico + 151 others.

7. EURR Stablecoin (Pilot)

• Product: EURR is Revolut's MiCA-compliant euro stablecoin. Issued through Luxembourg-based Bridge Building S.A., it enables regulated onchain euro payments and self-custody transfers.
• Availability: 3 countries in the initial pilot, covering Denmark, Poland, and Portugal.
• Geo Restrictions: 187+ countries pending the wider EEA rollout planned through late 2026 and beyond.

What Changed for Revolut Crypto in 2026?

Crypto availability at Revolut changed more during the past year than in any period since trading launched in 2017. A single European license replaced multiple national registrations. Product access, token availability, and stablecoin policies shifted alongside it.

Most of the differences between current access and older country lists come from the three developments below.

MiCA License and Crypto 2.0

Revolut Digital Assets Europe received a CASP authorization from CySEC under the EU's Markets in Crypto-Assets Regulation. From its Cyprus hub, the license passports regulated services across all 30 EEA states. The approval also enabled "Crypto 2.0," which expanded coverage to 280+ tokens and introduced zero-fee staking alongside spread-free stablecoin conversions.

USDT Delisting Across Europe

MiCA's stablecoin rules forced changes to Revolut's token portfolio. Tether purchases stopped in July 2026, incoming USDT transfers were rejected after July 30, and any remaining balances were automatically converted to base currency on August 31. Users looking for compliant alternatives can see which regions still allow Tether in our USDT banned and legal countries breakdown.

The EURR Euro Stablecoin

Revolut responded to the removal of non-compliant tokens by issuing its own stablecoin. EURR launched in August 2026 as a fully MiCA-aligned euro stablecoin, initially available only in Denmark, Poland, and Portugal while liquidity and distribution are stress-tested. A broader EEA rollout is scheduled after operational benchmarks are met, positioning Revolut against bank-issued euro tokens.

Is Revolut Available in the USA?

Revolut operates in all 50 states through partnerships with Lead Bank and Cross River Bank. Deposits receive up to $250,000 in FDIC pass-through insurance. Crypto trading has returned to the American app and is available in 49 states, with Tennessee remaining excluded while state-level money transmitter clearance is pending.

In March 2026, the company's US expansion moved further when Revolut filed for a de novo national bank charter with the OCC. If approved, the charter would replace the partner-bank model, provide direct access to Fedwire and ACH rails, and allow credit cards, lending, and natively integrated stablecoin services targeted for a 2027 rollout.

American customers currently have access to 4,000+ commission-free US stocks, a Robo-Advisor for automated portfolios, and high-yield savings reaching 5.50% APY for Metal members. Revolut X is still geo-blocked in the US because its professional exchange features remain subject to clarity under evolving SEC digital asset frameworks.

On September 3, 2026, Revolut received conditional approval from the OCC to establish Revolut Bank US, N.A., bringing it closer to operating as a standalone US bank. The Financial Times reports that Revolut still needs approvals from the FDIC and Federal Reserve, along with final OCC clearance, before its planned 2027 launch.

Revolut Regulation and Licensing

Revolut holds 10+ regulatory authorizations covering banking, investments, insurance, and crypto. These licenses underpin services for more than 75,000,000 retail and business customers worldwide.

The company's primary licenses and their supervising authorities are outlined below:

• UK Banking: Revolut exited mobilization in early 2026 and became a fully authorized UK bank under the PRA and FCA, bringing FSCS deposit protection to British customers.
• UK E-Money: Its original FCA e-money authorization from 2011 continues to underpin payment services, alongside FCA cryptoasset registration under UK money laundering regulations.
• EEA Banking: A Bank of Lithuania license, passported ECB-wide, provides insured IBAN accounts throughout all 30 EEA member states.
• EU Crypto (MiCA): The CySEC-issued CASP license, registered with ESMA, permits crypto trading, custody, and transfer services across the European Economic Area.
• US Charter (Pending): Revolut filed a de novo national bank application with the OCC in March 2026, seeking to replace partner-bank arrangements with direct federal supervision.
• Mexico Banking: Full credit institution status under CNBV and Banxico oversight supports the company's first wholly-owned Latin American banking operation.
• UAE Approvals: Central Bank of the UAE licenses granted in June 2026 cleared a complete digital banking rollout across the Emirates.
• Australia AFSL: An ASIC financial services license covers payments, FX, and multi-currency accounts for Australian residents.
• Singapore MPI: The MAS Major Payment Institution license authorizes digital payment tokens and cross-border transfer services.
• Brazil SCD: Revolut is regulated by the BCB, with its direct credit society structure supporting local currency accounts and lending products.

How Does Revolut Crypto Compare to Dedicated Exchanges?

Consolidation is Revolut's main advantage. Banking, stocks, and crypto use the same balance, identity check, and app, a setup no standalone exchange can replicate. For casual investors in the UK or EEA, that convenience often matters more than the deeper order books specialist venues offer active traders.

The main trade-offs are coverage and control. Onchain withdrawals are still restricted to 31 European countries, Revolut X is unavailable to US customers, and the platform's token selection remains below the thousands of listings found on global exchanges. Traders comparing geographic coverage can review where Coinbase and Kraken operate before choosing a platform.

Fees show the same divide. Revolut X's 0% maker and 0.09% taker schedule competes directly with major exchanges. In-app retail trading carries markups that active users should avoid. Our rankings of the best crypto exchanges in Europe and the best crypto exchanges in the UK identify cheaper execution routes by region.

Does Revolut Require KYC?

Yes. Revolut requires full identity verification before activating any personal or business account. Core banking, deposits, and international transfers remain unavailable until a government-issued ID and live biometric selfie pass the automated screening process in the mobile app.

Investment and crypto features require further checks. Since MiCA took effect, European customers have had to complete appropriateness assessments, provide their Tax Identification Number, and acknowledge risk warnings before trading digital assets. Staking and onchain withdrawals are subject to additional jurisdiction-specific attestations.

Most individual checks are completed within 24 hours. Business onboarding can take up to seven business days when complex ownership structures are involved. Revolut has no anonymous tier; users who prioritize privacy typically compare the best no-KYC crypto exchanges instead and accept the different risk profile associated with those platforms.

How Much Does Revolut Cost?

Revolut's tiered subscriptions start with the free Standard plan, followed by Plus (£3.99), Premium (£7.99), Metal (£14.99), and Ultra (£55) per month. Higher tiers proportionally increase fee-free FX allowances and ATM limits while adding bundled lifestyle benefits.

Withdrawals remain free at 55,000+ in-network ATMs. Depending on the plan, out-of-network monthly allowances range from £200 to £2,000 before a 2% surcharge applies. Standard and Plus customers also pay a 1% markup on weekend currency exchanges when markets are closed.

Crypto costs vary substantially by trading venue. In-app transactions use a 1.49% variable rate with a $1 minimum. Revolut X charges 0% maker and 0.09% taker, undercutting nearly every competitor. Stock commissions start at 0.25% after monthly free allowances are exhausted, while Crypto 2.0 has removed platform fees from staking.

About Revolut

Revolut was founded in London in 2015 by Nikolay Storonsky and Vlad Yatsenko. It has since developed from a travel FX card into a licensed global bank. The platform serves more than 75 million customers and continues to target the 100 million milestone through aggressive expansion across multiple continents.

More than 1 billion transactions are processed each month, supported by a $13 billion infrastructure commitment running through 2026. Recent milestones include full UK banking authorization and a Mexican banking launch, along with UAE central bank approvals and the pending US national charter application.

Final Thoughts

Revolut's geographic footprint has a clear divide. More than 40 countries have access to genuine multi-currency banking, while the deepest crypto functionality remains concentrated in the UK and EEA, where MiCA passporting applies.

The regulatory changes of 2026 moved access in both directions. European customers gained zero-fee staking and the EURR stablecoin, while USDT was removed from every supported portfolio for compliance reasons.

Check your country against the product-level lists above before beginning verification. Personal account eligibility by itself no longer indicates which crypto features will be available.