Revolut CD Alternatives Review (2026) — For US Customers Who Want Real CD Yield
Quick take: Revolut is a UK-headquartered fintech that operates in the US under a partnership with Metropolitan Commercial Bank. US Revolut customers can hold FDIC-insured USD balances but cannot open CDs through Revolut. For locked-rate yield, US Revolut users need to add an external US bank account. This guide ranks the best alternatives.
Current rates (Revolut, as of June 2026)
| Term | APY | Minimum |
|---|---|---|
| Revolut Savings US (Standard, free tier) | ~2.50% APY | $0 |
| Revolut Savings US (Premium $9.99/mo) | ~3.25% APY | $0 |
| Revolut Savings US (Metal $16.99/mo) | ~3.75% APY | $0 |
| Alternative: Marcus Online Savings (no fee) | ~3.85% APY | $0 |
| Alternative: BMO Alto 1-year CD | ~4.75% APY locked | $0 |
| Alternative: Top A-rated 5-year MYGA | ~5.65% APY locked (tax-deferred) | $25K+ typical |
Rates verified against Revolut's public rate sheet on the publication date and change frequently. Confirm current APYs directly with the bank before opening an account.
How Revolut works in the US
Revolut is headquartered in London (FCA-regulated in the UK as Revolut Bank UAB via Lithuanian charter). In the US, Revolut operates under a partnership with Metropolitan Commercial Bank (FDIC cert #34699), which holds US customer USD deposits and provides FDIC insurance up to $250,000 per depositor.
The US product is more limited than the UK product. US Revolut users get a US debit card, multi-currency wallet, fee-free FX up to monthly limits, and a tiered USD Savings account. CDs are not offered to US customers and the company has not announced plans to add them.
Why Revolut Savings rates are tied to paid tiers
Revolut's US savings APY is tiered by subscription level. Standard (free) tier earns about 2.50%; Premium ($9.99/month) earns about 3.25%; Metal ($16.99/month) earns about 3.75%. For balances of $5,000-$10,000, the subscription fees can eat up most of the rate advantage vs free competitors. Calculate: at $5,000 balance, Metal's 3.75% earns $187.50 over a year; subscription fees cost $203.88 — net of subscription, you're behind a free Marcus account.
Subscription fees may be worth it for heavy international travelers who use the FX and travel-protection features. For a US customer who just wants yield, the subscription math doesn't work.
What we like about Revolut CDs
- FDIC coverage via Metropolitan Commercial Bank partner ($250K cap)
- Excellent multi-currency wallet and FX features (best-in-class for international travelers)
- Strong app and user experience inherited from Revolut's UK product
- Can hold multiple currencies; useful for cross-border life
- Same login for spending, savings, currency exchange, and crypto
What we don't
- No CDs available to US customers
- Best savings APY (~3.75%) requires $16.99/month Metal subscription — net of fees, the rate is below free competitors
- Free tier APY (~2.50%) is well below dedicated US HYSAs (Marcus, Ally at ~3.85%)
- Revolut UK has had regulatory scrutiny (FCA conditions on UK bank charter; Lithuanian regulator oversight) — US partner-bank structure protects FDIC-insured deposits but worth knowing
- Limited US retirement-product lineup (no IRA, no MYGA, no annuity)
How Revolut CDs compare vs peers
If this rate is on your shortlist, you should also be pricing:
| Competitor | Term | APY |
|---|---|---|
| Marcus Online Savings (no fee) | Variable rate | ~3.85% APY |
| Ally Online Savings (no fee) | Variable rate | ~3.80% APY |
| BMO Alto 1-year CD | 1-year lock, no fee | ~4.75% APY |
| Live Oak Bank 1-year CD | 1-year lock, $0 min | ~4.60% APY |
| Top A-rated 5-year MYGA | 5-year lock, tax-deferred | ~5.65% APY |
Internal benchmarks: Best 5-Year CD Rates 2026 · Best 1-Year CD Rates 2026 · Online vs Brick-and-Mortar CDs.
When a MYGA beats this Revolut CD
For US Revolut customers with longer-term savings, the gap vs a MYGA is dramatic. Compare $50,000 over 5 years (Revolut Standard tier at 2.50%):
- Revolut Standard Savings at 2.50%: $50,000 grows to $56,565 (taxable annually)
- A-rated 5-yr MYGA at 5.65%: $50,000 grows to $65,850 (tax-deferred)
- Pre-tax delta: $9,285 in favor of the MYGA over 5 years
Revolut is a useful tool for international spending and currency management. It is not the right place to compound long-term savings for a US-based investor. Use it for what it's good at; route long-term cash to a real US CD or MYGA.
Revolut CD FAQ
Want to see if a MYGA beats this CD for your situation?
Free side-by-side: this CD vs. top MYGA rates for your state and amount.
CDs are safe and simple. MYGAs are insurance-company versions of CDs, often paying 50-150 bps more for the same lockup. The math depends on your tax bracket and state guaranty fund coverage.
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Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers
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Bottom line
Revolut is excellent for international and multi-currency banking but is not a substitute for a real US CD provider. The fee-gated savings tiers make the headline APYs misleading at small-to-mid balances. For locked-rate yield, US Revolut customers should add an external account at Marcus, BMO Alto, or BrioDirect for short tenors and consider a MYGA for 5-year retirement money.
About Hans Goldstein: Independent retirement income specialist. CA Life License #4163961. NPN #20602398. Reviews 30+ carriers and tracks bank CD rates weekly. Phone: 213-414-2808. Email: hans@goldsteinco.net.
Disclosure
This review reflects publicly available bank rate sheets and approximate APYs as of the date stated above. CD rates change frequently — sometimes weekly — and the rates above may be stale by the time you read this. Always confirm current rates and terms against the bank's current rate sheet and disclosure documents before opening an account. FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category; deposits above that amount at a single bank are not insured. This article is general information for educational purposes; it is not personalized financial advice, a solicitation, or an offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) and is not a bank, deposit broker, or registered investment adviser. CDs are bank deposit products and are not sold by insurance producers; references to CDs are for comparison context only. MYGAs (multi-year guaranteed annuities) are insurance contracts, subject to surrender charges and state guaranty fund coverage rather than FDIC. Early withdrawal of a CD before the maturity date typically results in a penalty that may exceed interest earned. Always read the actual deposit account agreement and consult a licensed advisor before making material financial decisions.