Revolut cannot be compared to a classical bank. It already starts with the fact, that you can only access your bank account through an app. There isn't even an online-banking. Additionally, Revolut gives you no line of credit. You can only spend money that's on your Revolut bank account. You'll also have a Latvian IBAN. During the weekend, Revolut freezes the exchange rates with a small surcharge. More on this in our Drawbacks section.