A Revolut account can be opened by anyone over 18 who resides in the United States and has a valid Social Security number (SSN) or ITIN. Sign-up happens entirely through the app, with no need to visit a physical branch. As with any financial institution, Revolut also runs identity checks and fraud prevention screening before granting full access to the account, which can take a few days in certain cases.
Required documents
✔️ A valid government-issued photo ID (driver’s license, passport, or state ID)
✔️ Social Security number (SSN) or ITIN
✔️ Proof of US residential address
✔️ A smartphone compatible with iOS or Android to access the app
How does a digital account like Revolut work in the US?
Revolut operates as a fintech, not as a bank licensed in its own name: deposited funds are held in custody by FDIC-insured partner banks, while Revolut handles the app, the card, and the exchange and investment features. This model is common among US neobanks and allows for lower fees and faster account opening than traditional banks, but support happens mostly through in-app chat, with no option to visit a physical branch.
Fees and points to consider
The Standard plan has no monthly fee, but Premium ($9.99/month) and Metal ($16.99/month) carry a fixed cost in exchange for extra perks, such as a metal card and travel insurance. Currency exchange and withdrawals come with free monthly limits that vary by plan; transactions above those limits, or made outside business hours, may carry an extra fee — it’s worth checking current terms in the app before using the card abroad.
A piece of advice for you
Before moving your entire paycheck into your Revolut account, consider keeping it as a complement to a traditional account during the first few months, until you become familiar with the app’s limits. Keep in mind that FDIC protection covers the money held at partner banks (Lead Bank and Cross River Bank), not Revolut itself — and that stock investments don’t carry that same guarantee, since they’re subject to market swings.
Finally, since the card lets you spend in multiple currencies with just a few taps, check your statement often so you don’t lose track of your budget. Revolut can be an excellent account to make your life easier, but it’s always important to keep a close eye on your finances to avoid unnecessary spending and debt.
How to open a Revolut Account?
To open the account, download the Revolut app, enter your personal information, upload the requested documents, and wait for identity verification — a process that’s usually completed within minutes. To review every step and start your application now, click the button below and you’ll be taken to the official website.
