Revolut (fonctions IA)
Tool : standalone product, used directly
Online bank with AI assistant, spending analytics, and fraud detection.
Handy if you are already a user; the AI remains a bonus.
What it does, concretely
Managing day-to-day finances takes time and vigilance: spotting unnecessary spending, avoiding scams, and growing savings are tasks many people neglect for lack of the right tools. Revolut integrates several artificial intelligence features directly into its banking app to address these needs without switching platforms.
In practice, the app relies on a fraud detection system called Sherlock, which analyses every transaction in under 50 milliseconds using machine learning algorithms. When an Authorised Push Payment scam is suspected, the app interrupts the transaction and guides the user through a multi-step verification process. A Robo-Advisor also offers semi-automated portfolio management based on diversified ETFs, with automatic monthly rebalancing according to the user's defined risk profile.
Revolut suits people who want to centralise banking, savings, and investing in a single app without actively managing their portfolio. The Robo-Advisor is particularly well suited to beginner investors who want to start with small amounts. A personalised AI financial assistant is being gradually rolled out to help users make better financial decisions on a daily basis.
On the other hand, Revolut is less suited to experienced investors seeking fine-grained customisation of their holdings: the Robo-Advisor does not allow guidance from a human advisor or customisation to specific investment preferences. The app is also not intended for those who prefer a traditional bank with physical branches.
What it offers
- ·Real-time fraud detection: the Sherlock system analyses every transaction in under 50 milliseconds to identify potential scams.
- ·Anti-scam intervention: when a fraudulent transfer is suspected, the app interrupts the transaction and guides the user through a multi-step verification process.
- ·Robo-Advisor: semi-automated portfolio management based on diversified ETFs, with automatic monthly rebalancing according to your risk profile (annual fee of 0.75%).
- ·ESG portfolios: option to invest via the Robo-Advisor in portfolios that promote environmental, social, and governance characteristics.
- ·Recurring transfers to the Robo-Advisor: schedule automatic deposits from €10 to invest regularly and smooth out the effects of short-term volatility.
- ·Personalised AI financial assistant: being gradually rolled out, this assistant adapts to the user's needs and preferences to help build smarter money habits.
- ·Multiple pricing plans: free offer (Standard) and paid plans (Plus, Premium, Metal, Ultra) with increasing fee limits, savings rates, and benefits depending on the tier subscribed.
In practice
- Price
- Freemium
- Commercial use
- Commercial use: no
- Available on
- ios, android, web
- FR interface
- Yes
Security and data
- Rating
- Security: read before installing
- Your data
- Data with the vendor
- Maintenance
- Active
Card verified on 13 September 2026 · added on 1 July 2015