Investment security through Revolut bank
There aren't many banks today that combine online banking with advanced investing capabilities. One such bank is Revolut.
Since Revolut is a British-Lithuanian bank, and Poland is part of its Lithuanian branch, depositors' funds are insured for €100,000.
But this insurance only covers funds in bank accounts and deposits, but what about investments?
What happens to them if the bank goes bankrupt or, for other reasons, stops fulfilling its obligations?
The situation is not clear-cut; it all depends on which asset your funds are invested in.
Let's try to understand the investment system and weigh the risks:
| Assets | Who provides the service? | Protection | The main risk | Comment |
|---|---|---|---|---|
| Securities: stocks, ETFs, bonds |
Revolut Securities Europe UAB | Up to €22,000 under Lithuania's investor protection scheme |
Broker bankruptcy, custodian problems, fractional share complications | Shares are held separately from Revolut funds. Under normal circumstances, the investor retains ownership of the assets, but the securities can be transferred to another broker. |
| Precious metals: gold, silver, platinum, palladium |
Revolut Ltd | No banking or investor protection | Service closure and forced sale of positions | In EEA countries, precious metals trading through Revolut is being phased out: it is no longer possible to buy or increase a position, but it can be sold until June 15, 2026.Remaining positions will be liquidated at the market price. |
| Cryptocurrencies | Revolut Digital Assets Europe Ltd | There is no deposit protection or classic investor compensation |
OTC model, storage through Revolut and subcustodians, no direct control over private keys | The client sees the cryptocurrency in the app, but does not control it in the same way as when storing it in their own wallet. |
| CFD | Revolut Securities Europe UAB / CFD liquidity provider | Not protection against losses | Leverage, flash losses, OTC execution | CFDs do not confer ownership of the underlying asset. They are over-the-counter contracts for difference, so the risk is primarily related to leverage and sudden market movements. |
Revolut remains one of the most convenient investment apps, allowing you to buy stocks, ETFs, cryptocurrencies , and other assets through a single account.
However, the level of investment security here depends heavily on the type of asset: securities have segregated storage and separate investor protection, while precious metals and cryptocurrencies carry significantly greater infrastructural and legal risks.
Therefore, Revolut is well suited for diversification and small investments, but when dealing with large capital, it is important to understand which companies are used to process transactions and how the asset storage system is structured.
