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Last updated: Oct 2026

Revolut vs. Lloyds Bank

Compare fees, banking features and money management tools.
1
VS
1
Feature Breakdown
Winner!
1

9.8

Visit Site
1

9.2

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Company
Main advantage

Digital banking with advanced money management tools

Established UK banking with branch access

Trustpilot
360,760 Reviews
10,008 Reviews
Account & Fees
Monthly account fee

Free (Standard plan)

Free (Classic account)
Apply in-app
Virtual debit cards

Free virtual and single-use cards

Physical Visa debit card

Cash withdrawals

Free up to £200 or 5 withdrawals/month

Free UK withdrawals

Arranged overdraft

Not available on Standard

Available, subject to approval

Money Management
Money organisation

Pockets for bills and goals

Separate accounts for managing money

Spending analytics

Custom spending categories

Spending by category and retailer

Automatic savings

Automated transfers to Pockets

Save the Change round-ups

Card spending controls

Card freezing and spending limits

Card freezing and payment controls

International Banking
Multi-currency account

Hold and exchange 30+ currencies in-app

GBP current account
Card spending abroad

No added FX fee within allowance 

2.99% FX fee; £0.50 may apply

Currency exchange

In-app exchange up to  £1,000/month

Visa rate plus applicable fees 
International transfers

40+ currencies

30+ currencies
Additional Banking Features
Savings AER (Free Plans)

2.90% AER 

Up to 1.00% AER 

Rewards

Earn RevPoints on eligible card spending

Up to 15% cashback at selected retailers

Customer support

24/7 in-app support

App and phone support

Branch banking

App-based banking, no branch network

UK branches available

Security
Card freeze/unfreeze via app
Single-use virtual cards
Transaction notifications

Real-time notifications

Transaction alerts

Advanced security features

Customisable Security Hub

Device and fraud checks

Bottom Line

Winner!
1
1
Editorial Score

9.8

9.2

Key Advantages

Revolut combines everyday banking with flexible money management, virtual cards and multi-currency features. Its intuitive app and broad range of digital tools make it a strong choice for users looking to manage their money both at home and abroad.

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Lloyds offers established UK banking services, including branch access, arranged overdrafts and in-app money management tools. It is a practical option for customers who value traditional banking services alongside digital convenience.

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