Revolut bonds suit a beginner or smaller euro investor who wants to own a single, real bond with the least possible friction — fractional from roughly €100, free custody, and an app they already have. The trade-off is a modest, dollar-heavy shelf of around 500 bonds, uncapped percentage fees on large tickets, and bond tools that are still thin.
Revolut has turned individual bonds into something close to an app purchase you can make from about €100. This Bondfish reading looks at what its roughly 500-bond shelf, its pricing and its protections mean for a real euro investor — and, just as importantly, where it runs out of road.
Revolut launched in 2015 as a currency-and-card app and grew into one of Europe's largest fintech companies, adding a full banking licence in Lithuania in 2018 through Revolut Bank UAB.
Investing came later, run through a separate Lithuanian entity, Revolut Securities Europe UAB. Individual bonds are newer still: Revolut opened single-bond investing to customers across the EEA over 2024–25, so it is one of the youngest bond offerings among mainstream European brokers.
For a bond investor, the structure matters: your cash sits with a licensed bank arm, while your bonds are held through a separately regulated investment firm. The two pots carry different protections, which is a theme we return to below.
The supplied inventory holds 507 tradeable bonds. That is modest — a fraction of the tens of thousands at Interactive Brokers or the several thousand at Saxo — but it is a real, checkable list rather than a marketing headline.
Two things stand out. First, the issuer mix is complete, spanning corporate, government and supranational names such as the European Investment Bank. Second, the entry ticket is unusually low: most bonds are priced at or below about €1,000 per unit, and Revolut lets you buy fractional amounts from roughly €100 — so you do not need a four-figure sum to own a single bond.
It is worth understanding how that fractional access works, because it is not the same as owning the bond outright. When you buy a fraction, Revolut holds the whole instrument and records your proportional share on its own books; you receive the matching slice of coupons and principal but not the legal title, voting rights or participation in corporate actions. Crucially, a fractional position cannot be moved to another broker — if you want out, you sell it back within Revolut. It is an internal-ledger model, closer to how a fractional-investing platform works than to a bond sitting in a transferable custody account.
The execution model follows from that. Revolut fills bond orders as principal — it trades against its own book rather than routing your order to a stock exchange or an open multi-dealer market. That is what makes €100 and fractional tickets possible in the first place, but it also means your liquidity depends on Revolut itself: the price you get, and your ability to sell quickly, rest on Revolut's own book rather than a competitive venue, and can thin out in stressed markets or for less-liquid bonds.
The other binding constraint is currency. The shelf is US-dollar and euro only, with dollars the large majority and no sterling or Swiss franc. For a euro investor who wants breadth of currency and issuer, the euro-and-dollar-only shelf and single-venue, principal model are where Revolut's niche ends: it is the most accessible way in, not the broadest or most transferable book.
Bond commission is 0.25% of the trade with a €1 minimum, plus a small monthly allowance of free trades depending on your plan. On a €1,000 ticket that is about €2.50 — reasonable for a single bond. There is no separate custody fee for bonds, and a Trading Pro add-on cuts commission to 0.12% with no minimum for heavier users.
What that means as your ticket size grows:
| Trade size | Commission (0.25%) | Cost as % of trade |
|---|---|---|
| €1,000 | ~€2.50 | 0.25% |
| €10,000 | ~€25 | 0.25% |
| €20,000 | ~€50 | 0.25% |
Because the fee is a flat percentage with no cap, it scales badly. Roughly €25 on a €10,000 trade and €50 on a €20,000 trade is where a flat-fee broker such as Interactive Brokers would charge only a handful of euros. Revolut is cheap for small tickets and expensive for large ones.
The honest asterisk is currency. Since most bonds are priced in dollars, a euro investor also pays a conversion cost — interbank up to a plan limit, then 0.5%, with an extra 1% at weekends — on top of the commission. Add the spread embedded in single-venue execution and the true all-in cost of a dollar bond can sit well above the headline 0.25%. Price-check before you buy.
The 0.25% fee is cheap on a €100 ticket and expensive on a €20,000 one: it rewards small trades and penalises large ones.
The app is the strong part: quick, fully online, with same-day onboarding across the EEA and an interface a first-time investor can navigate without help. A web-based Trading Terminal with better charts comes with the paid Trading Pro tier.
For bonds specifically, the tooling is thin. You can search a bond and see its yield, coupon and maturity, but there is no rich screener to filter by yield, rating, currency and lot size, and portfolio-level bond analytics and order types are limited.
Named plainly: research and analytics are the weakest element. A beginner buying one or two bonds will barely notice; an investor who wants to build and monitor a laddered portfolio will feel the gap quickly.
Investing runs through Revolut Securities Europe UAB, authorised and supervised by the Bank of Lithuania, with the group also holding a full banking licence via Revolut Bank UAB under Bank of Lithuania and European Central Bank oversight. Client assets are segregated and remain yours.
Protection splits into two layers worth keeping separate:
That €22,000 figure can look alarming next to the €100,000 deposit guarantee, but it is not a Revolut weakness — it is essentially the EU-wide standard. The Investor Compensation Schemes Directive sets a €20,000 minimum, and most European brokers sit at that same level (Germany's scheme, which covers Trade Republic, tops out at €20,000). More importantly, a compensation scheme only covers a shortfall if the firm fails and client assets go missing — it never insures market losses. For any bond portfolio the real protection is segregation: your bonds are held separately from Revolut's own assets and remain your property regardless of the €22,000 cap. Understand how it works, but do not read it as a mark against Revolut specifically.
Idle cash can sit in Flexible Cash Funds paying roughly 1.2% to 2.1% on euro balances depending on plan — close to the ECB's 2.25% deposit-facility rate at the top tiers, though these are money-market funds, not deposits, so the return is not guaranteed.
Support is in-app chat and help-centre guides rather than a dedicated bond desk, which fits the app-first, self-service model but leaves little hand-holding for complex questions.
Tax is more do-it-yourself: Revolut provides statements to download, but declaring income and handling any withholding is on you. How much that matters depends heavily on your country of residence, so factor in your local reporting burden before assuming the low headline fee is the whole cost.
Revolut suits a beginner or smaller investor who wants to own a real bond, in euro-sized tickets, with the least possible friction — fractional from about €100, free custody, and an app they already use daily. If your goal is to buy your first individual bond without opening a traditional brokerage account, it is hard to beat on ease of entry.
It is the wrong tool for large tickets, dollar bonds bought in size, sterling or Swiss franc exposure, or serious screening and analytics. Investors who want transferable, exchange-settled bonds rather than internal fractional positions — or who trade in size, where the uncapped 0.25% fee stings — will hit Revolut's ceiling quickly.
How it stacks up when the requirement changes:
| If you want… | Best fit |
|---|---|
| The lowest-minimum, app-first way to buy your first euro bond | Revolut |
| The widest bond universe with flat, capped fees | Interactive Brokers |
| A deep multi-currency shelf and a real bond screener | Saxo |
| A low-cost, app-first euro alternative | Trade Republic |
Bondfish complements your broker by screening the full universe of bonds available across major brokers and helping you identify the best opportunities through independent analysis — so you can look far beyond Revolut's ~500-name shelf before you commit.
Revolut is the simplest, lowest-minimum way to buy your first individual bonds in euro from an app, with fractional access from about €100 and free custody. The ceiling is real: a narrow, dollar-heavy shelf of roughly 500 bonds, fractional positions that live only inside Revolut and cannot be transferred out, uncapped percentage fees that bite on large tickets, and thin bond tooling. Use it to start small and keep tickets modest; look to a broader broker once your bond investing grows up.
This article is for general information only and is not investment advice. Bond investing involves risk, including possible loss of principal. Figures such as bond counts, fees, interest rates and protection limits can change — verify current terms with the broker before investing. Consider your own circumstances or consult a licensed financial professional before investing.