Revolut vs SmartFolio
Which is better in 2026? Five scores, side by side.
It's close: Revolut edges it 8.6 to 8.5, so the right pick depends on what you need. Revolut wins on 3 of the 5 scores, SmartFolio on 2.
Frequent travelers who want one app for spending, saving and currency exchange
Dividend and long-term investors who want a private, free portfolio view
Score by score
The details
| Feature | Revolut | SmartFolio |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #5 of 10 | #6 of 10 |
| Developer | Revolut Ltd | The Big Head |
| Pricing | Free + paid plans | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | — |
| Web | ✓ | — |
Strengths and weaknesses
Revolut
- Free plan covers spending, transfers and budgeting
- Strong exchange rates on weekdays within plan limits
- Fast, feature-rich app with instant notifications
- Constant upsells and a crowded interface
- Support can be slow if your account is flagged
Revolut packs a lot into one app: multi-currency spending, budgeting tools, savings vaults, investing and travel perks. The free Standard plan is genuinely useful, and paid plans add higher limits and extras. The trade-off is complexity and constant upsells. Support can be slow if your account gets flagged for review, so keep a traditional bank account as a backup.
Full Revolut review
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
