Revolut UK Business: Investment Services and a User's Guide

This document has been prepared for the owners and directors of companies registered in the United Kingdom.

About This Report

The UK financial technology (FinTech) landscape is going through a profound transformation, one in which traditional banking models are blended with digital agility. At the centre of this transformation, Revolut has, since its founding in 2015, evolved from a currency-exchange app into a global financial "super-app". As of 2026, it has made its full UK banking licence operational and has broadened the range of services it offers its corporate clients.

For UK-based limited companies, partnerships and start-ups in particular, the Revolut Business platform serves not just as a payment tool but as a sophisticated treasury management and investment portal.

This report analyses in depth the investment services offered through Revolut UK Business accounts — shares, government bonds, exchange-traded funds (ETFs), money market funds and commodities — along with their regulatory framework, cost structures and corporate governance mechanisms.

The Regulatory Framework and Corporate Structure: A Security and Compliance Analysis

Although Revolut's investment services in the UK come together in a single app interface, they are in fact run through different legal entities and regulatory permissions that complement one another. This multi-layered structure is the key factor determining how corporate clients' funds are protected and which legal safeguards apply to them.

Revolut Bank UK Ltd and Deposit Protection

Having obtained a UK banking licence in a restricted form in July 2024, Revolut lifted those restrictions by 2026 and achieved the status of a fully authorised bank. Revolut Bank UK Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by both the PRA and the Financial Conduct Authority (FCA).

The most critical benefit of this licence is that the funds in businesses' current accounts are brought under the Financial Services Compensation Scheme (FSCS). Eligible deposits, including corporate accounts, are protected up to a limit of £120,000 per person or organisation in the event of the bank's failure. But this protection applies only to deposit-based products (current accounts, vaults, group vaults); investment instruments such as shares, bonds or cryptocurrency fall outside FSCS deposit protection.

Revolut Trading Ltd: Capital Markets Operations

Investment services, in particular the trading of shares and bonds, are provided by Revolut Trading Ltd (Company No: 11567840). This entity is authorised by the FCA under reference number 933846 and offers corporate clients an "execution-only" service that does not include advice.

Corporate investors' assets are held, under the "safeguarding" rules, in client asset accounts kept separate from Revolut's own operational funds. In the processes of holding assets and routing orders to the market, Revolut works with third-party brokers and custodians. This structure ensures that, against the insolvency risk of a corporate investor, assets are held safely in "omnibus" (pooled) accounts.

Corporate Treasury Management: Flexible Cash Funds

One of the most innovative and strategic investment tools for businesses in the UK is the "Flexible Cash Funds" system, which allows idle cash to be put to work in a low-risk, highly liquid way. This service is not so much a traditional savings account as an investment in money market funds (MMFs).

Fund Structure and How It Works

Flexible Cash Funds provide access to funds managed by Fidelity International, one of the world's leading asset management firms. Businesses can diversify their corporate treasury by buying into funds denominated in GBP, USD and EUR. These funds invest in government-guaranteed securities, bank deposits and high-quality short-term debt instruments.

Currency	Fund Name (Fidelity)	ISIN Code	Fund Structure
GBP	The Sterling Fund	IE0002RUHW32	LVNAV (Low Volatility Net Asset Value)
USD	The USD Treasury Fund	IE000ZEZXAJ7	CNAV (Constant Net Asset Value)
EUR	The Euro Fund	IE000AZVL3K0	LVNAV (Low Volatility Net Asset Value)

The classification of these funds in the lowest risk category, such as "7 out of 7" (with an AAA-mf rating), aims to protect capital while providing corporate treasury managers with protection against inflation.

Yield Analysis and Tiered Service Fees

The annual yield (APY) earned from Flexible Cash Funds varies according to the Revolut Business plan the business holds (Grow, Scale, Enterprise). Revolut passes the net yield on to the client after deducting its own service fee from the gross yield provided by the fund manager.

Subscription Plan	Estimated Net GBP Yield	Estimated Net USD Yield	Estimated Net EUR Yield
Enterprise	3.42%	3.45%	1.85%
Scale	2.92%	2.70%	1.35%
Grow	2.42%	2.20%	1.15%
Basic	Not available	Not available	Not available

Note: the data is current as of 15 February 2026 and may change daily according to market conditions.

Service fees also vary by the type of fund and the currency. For example, for the USD fund the Standard plan charges a 1.50% service fee, while on the Ultra/Enterprise plans this rate falls to as low as 0.15%. This mathematical model encourages firms holding high volumes of corporate cash to move to higher plans in order to optimise their total yields.

Liquidity and Operational Flexibility

In corporate treasury management, liquidity is as critical as yield. Revolut ensures that businesses can access their funds without any restrictions. Cash withdrawals are usually reflected in the current account within two working days. In addition, businesses can open up to 100 different Flexible Cash Fund accounts to categorise their cash for tax payments, payroll funds or expansion projects.

Capital Markets Instruments: Trading Shares and ETFs

Revolut UK Business offers an infrastructure designed to give corporate investors easy access to the global capital markets. Businesses can invest directly in the stock market through their own company accounts and shape their portfolios according to global trends.

Access to the Stock Market

The platform provides access to thousands of companies traded on US markets such as the New York Stock Exchange (NYSE) and NASDAQ, as well as on UK (LSE) and European exchanges.

• Fractional Shares: instead of buying a whole share, corporate investors can own a share for as little as 1 USD/EUR/GBP. This feature makes it easier to balance a portfolio with high unit-price shares (such as Berkshire Hathaway or Amazon).
• Minimum Order Value: orders are usually subject to a lower limit of 1 unit (depending on the currency).
• Transaction Volume and Precision: fractional purchases can be made on share purchases to a precision of 0.00000001.

Exchange-Traded Funds (ETFs)

ETFs are one of the platform's greatest strengths, particularly for businesses seeking sector-based or geographically based diversification. The hundreds of ETFs offered by giants such as Vanguard, BlackRock and Invesco provide low-cost portfolio management.

The importance of ETFs in corporate portfolios comes from the fact that they spread risk across a basket rather than a single share. Revolut offers both accumulating and distributing ETF options, allowing a business to decide based on whether it's targeting dividend income or capital growth.

Commission Structure and "Trading Pro" Advantages

Revolut's transaction costs are tiered according to the business plan held and the number of transactions. A certain number of "commission-free" transactions is granted each month.

Plan Category	Free Trades (Monthly)	Additional Trade Commission (%)	Minimum Trade Fee
Standard/Basic	1	0.25%	£1
Plus	3	0.25%	£1
Premium	5	0.25%	£1
Metal	10	0.25%	£1
Ultra / Trading Pro	10+	0.12%	Not available

In addition, the "Trading Pro" add-on, available for £15 a month, reduces commission rates to 0.12% and offers higher order limits along with advanced analytical tools.

The Bond Market: Government and Corporate Debt Instruments

For UK corporate clients, bonds are a critical instrument added to the platform recently that strengthens the "fixed income" leg of treasury management. By democratising the bond markets, Revolut has opened up this area — normally one with high barriers to entry — to small and medium-sized businesses.

Bond Types and How Yields Work

Businesses can invest directly in government bonds (gilts) or in the debt securities of global companies (corporate bonds).

• Government Bonds: bonds issued by the UK Treasury (Gilt), the US Treasury or EU countries. Ideal for firms seeking low risk and predictable cash flow.
• Corporate Bonds: the bonds of large, investment-grade companies. They usually offer a higher yield than government bonds.
• Coupon Payments: bonds provide periodic interest payments. These payments are credited directly as cash to the Revolut Business account and can be tracked under the "Transactions" section of the "Invest" tab.

Fractional Bond Investment

While entering a bond in the traditional markets usually requires capital of £1,000 or more, Revolut's "fractional bonds" technology allows businesses to build a bond portfolio with amounts as small as £100. This is a revolutionary feature that lets even micro-businesses diversify their treasuries.

Alternative Assets: Commodities and a Cryptocurrency Portfolio

A corporate portfolio doesn't have to be limited to traditional assets. As a hedge against inflation, Revolut Business also offers access to the commodities and cryptocurrency markets.

Precious Metals

Commodities such as gold, silver, platinum and palladium can be bought and stored digitally. Businesses can trade in real time by tracking fluctuations in market prices. Although commodity services are generally outside FCA supervision, they are secured by Revolut's robust custody infrastructure.

Cryptocurrency and Revolut X

For businesses, cryptocurrencies can be considered both an investment and a technological asset class. Bitcoin, Ethereum and over 100 other tokens are available on the platform.

The "Revolut X" platform, developed for corporate clients, offers a professional trading experience with lower transaction fees (0% for the maker, 0.09% for the taker) and advanced charting tools. But it should be remembered that crypto assets are not under FSCS protection and carry high volatility.

Corporate Governance and Investment Control Mechanisms

A business making an investment requires far more complex approval processes than an individual user making one. To meet this need, Revolut Business offers sophisticated "multi-user" control and approval mechanisms.

Role-Based Access Control (RBAC)

The business owner (Owner) can assign roles to employees at different levels of authority. These roles give full control over the management of the investment account.

Role	Level of Authority	Investment Functions
Owner	Full access	Managing the account, giving all approvals, transferring ownership
Admin	Full access	Trading, inviting other administrators
Accountant	Financial operations	Making transfers, monitoring records, accounting integration
Viewer	Read-only	Monitoring portfolio performance, downloading reports

Approval Workflows

Businesses on the Grow, Scale and Enterprise plans can set up "dual signature" or "chained approval" mechanisms for when money is transferred out of the investment account or a high-value purchase order is placed.

For example, both the CFO's and a company partner's approval can be made mandatory for a bond purchase of over £10,000. These processes are managed through instant notifications in the app, and every step is recorded (an audit trail).

Accounting Integration and Tax Reporting

Accounting for investment activities is the most critical part of corporate compliance. Revolut Business offers automation solutions so that businesses don't waste time on manual data entry.

Automatic Synchronisation

Revolut integrates directly with popular accounting software such as Xero, QuickBooks and Sage. Profit/loss movements, dividend payments and transaction commissions in the investment accounts can be reflected in the accounting records in real time.

Tax Compliance: CRS, FATCA and W-8BEN-E

Under UK law, Revolut is obliged to collect a Tax Identification Number (TIN) and a tax residency certificate from all its corporate clients.

• US Market Investments: businesses earning dividends from US shares must complete the W-8BEN-E form to minimise withholding tax.
• Automatic Exchange of Information: Revolut reports financial data to HMRC under the Common Reporting Standard (CRS).
• VAT and Transaction Taxes: the 0.5% Stamp Duty applied to UK shares and the £1.50 PTM (Panel on Takeovers and Mergers) levy on transactions over £10,000 are collected automatically by the platform and shown on statements.

Security Infrastructure and Asset Protection Technologies

The security of corporate investments is supported by advanced features developed against cyber threats and fraud.

Wealth Protection

In particular on accounts holding high-volume balances, such as Flexible Cash Funds, "Wealth Protection" kicks in before a withdrawal is made. This system compares the user's biometric (facial recognition) data with the data from when the account was opened, preventing funds from being taken out even if the phone is stolen.

Street Mode and AI-Based Defence

Revolut offers a "Street Mode" feature that restricts corporate users from making large-scale investment sales when outside secure locations (based on IP and GPS). In addition, AI algorithms continuously scan for suspicious transaction patterns in corporate accounts, instantly freezing any signs of market manipulation or unauthorised access.

Comparative Analysis: Revolut Business vs Traditional and Digital Competitors

Below is a summary of the differences between Revolut and digital platforms such as Wise Business and Tide, and traditional banks (Barclays, HSBC), that offer investment options for businesses in the UK market.

Comparison Criterion	Revolut Business	Wise Business	Traditional Banks
Investment Range	Shares, ETFs, bonds, MMFs, crypto, commodities	MMF only (Interest)	Usually limited to funds
Transaction Commission	0.12%–0.25%	Variable FX margin	High fixed fees
Corporate Control	Advanced approval workflows and API	Basic authorisation	Branch/signature-mandate focused
Liquidity	T+2 (for MMFs)	T+1 / T+2	Usually 3–5 working days
FSCS Protection	Up to £120,000 (Deposits)	No protection (Safeguarding)	£85,000 (Usually)

With its vision of being an "all-in-one" platform in particular, Revolut offers the most comprehensive set of digital tools through which a business can manage not just its payments but also its growth capital and treasury operations.

Strategic Assessment and Conclusion

The investment services offered by a Revolut UK Business account have, as of 2026, become a sophisticated financial management ecosystem for businesses in the UK. The advantages the platform provides rest on these key pillars:

1. Treasury Efficiency: the GBP yields of 3.40%+ offered through Flexible Cash Funds (MMFs) allow businesses to protect their idle cash against inflation while maintaining high liquidity.
2. Global Access: the fractional shares and bonds infrastructure makes it possible for even a small business to take a stake in giants such as Amazon and Apple, or in government bonds, at low cost.
3. Governance and Security: multi-user approval workflows and biometric security layers such as "Wealth Protection" make the management of corporate funds both transparent and resilient against attacks.
4. Operational Automation: accounting and API integrations speed up the financial reporting of investment activities by removing manual errors.

In conclusion, Revolut UK Business has gone beyond being a bank account and established itself as a financial technology leader that melts investment, treasury management and corporate governance into a single digital crucible. For businesses, using this platform means not just a saving on costs, but an agile and secure strategy for accessing the capital markets.

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How Do I Use Revolut UK Business Investment Services?

This section explains, step by step, how to access in practice the investment tools covered in the analysis above and how to make your first investment. All transactions can be carried out through the Revolut Business mobile app or the web platform.

1. Prerequisites: Opening an Account and Choosing a Plan

To access the investment services, you first need an active Revolut Business account. Opening an account is entirely digital and is usually completed within 24–48 hours.

To open an account, go to the Revolut Business website and click the "Open Account" button. Select your company type (Limited Company, LLP or Sole Trader), and enter your Companies House registration number and your director details. For identity verification (KYC), you'll need a photo of the director's passport or driving licence along with a short video selfie.

Your choice of plan directly affects your investment costs. At least the Grow plan is required to access Flexible Cash Funds; this service isn't available on the Basic plan. For share and bond trading, the higher the plan level, the greater the monthly free-trade allowance and the commission advantages. If you'll be using it mainly for investment, it's worth considering the Scale or Enterprise plan.

2. Activating the Investment Account

Once your Revolut Business account is approved, you need to activate the investment features separately. In the app, go to the Invest tab in the bottom menu. Complete the Appropriateness Assessment that appears; this is a mandatory step under FCA regulation and asks about your investment experience, your risk tolerance and your financial situation. The assessment takes about 3–5 minutes. Once you're approved, the Stocks, ETFs, Bonds and Commodities sections become active under the Invest tab.

If your company has more than one authorised person, assign roles via Settings > Team > Roles to determine who can carry out investment transactions. Only the Owner and Admin roles can place investment orders; the Accountant role can monitor transactions but cannot place orders.

3. Getting Started With Flexible Cash Funds

Flexible Cash Funds are the lowest-risk starting point for putting idle cash to work, and they provide access to the money market funds detailed in the analysis above.

In the app, go to Invest > Flexible Cash Funds. Choose your currency (GBP, USD or EUR). Enter the amount you want to invest; there's no minimum, and you can start with as little as £1. Confirm; your fund usually becomes active the same working day. The yield is calculated daily and added automatically to your balance.

When you want to withdraw money from the fund, you just press the Withdraw button. The amount is usually reflected in your current account within two working days. You can categorise your cash management by opening more than one Flexible Cash Fund account for different purposes (such as tax payments, a payroll fund or an investment vault).

4. Trading Shares and ETFs

To buy a share or an ETF, go to Invest > Stocks. Type the company name, the ticker symbol (such as AAPL, VWRL) or the ETF name into the search bar. When you select the asset you're interested in, the price chart, key information and transaction history are displayed.

Press the Buy button and enter the amount. Since fractional shares are active, you don't have to buy a whole share; for example, instead of buying a whole Amazon share, you can buy £50 worth of a fractional share. A Market Order is executed instantly at the current price. Confirm the order; the transaction is completed within a few seconds.

To sell, click on the relevant asset in your portfolio, select the Sell button and specify the amount or the number of shares you want to sell. The sale proceeds are credited to your current account.

When choosing an ETF, bear in mind the difference between accumulating and distributing. With accumulating ETFs, dividends are automatically reinvested into the fund and support long-term growth. With distributing ETFs, dividends are paid in cash to your account and provide a regular cash flow.

5. Investing in Bonds

To buy a bond, go to Invest > Bonds. You can choose between government bonds (Gilts, US Treasuries) and corporate bonds. Each bond's detail page shows the time to maturity, the coupon rate, the yield and the credit rating.

Thanks to the fractional bond feature, you can build a bond portfolio with amounts as small as £100. Coupon payments are credited automatically as cash to your current account on the payment dates and can be tracked under Invest > Transactions.

When investing in bonds, the maturity date is a critical decision. Short-term bonds (1–3 years) offer a lower yield but reduce interest-rate risk. Long-term bonds (10+ years) provide a higher coupon but their market value is sensitive to interest-rate changes. Plan your maturity structure according to your business's cash-needs calendar.

6. Commodities and Cryptocurrency

To invest in gold and other precious metals, use the Invest > Commodities section. Choose between gold, silver, platinum and palladium, set the amount and confirm. There's no physical delivery; the assets are stored digitally.

For cryptocurrency transactions, go to the Crypto section in the main app. If you want to benefit from lower commission rates, you can switch to the Revolut X platform; a 0% commission is applied on maker orders and 0.09% on taker orders. Bear in mind that crypto assets are not under FSCS protection and carry high volatility; for this reason, it's advisable to limit crypto investments to a small percentage of the total portfolio.

7. Setting Up Corporate Approval Workflows

For companies with more than one decision-maker, setting up an approval mechanism for investment transactions is critically important. Go to Settings > Approval Rules. Create a new rule; for example, you can make a second manager's approval mandatory for all investment orders above a certain amount.

Transactions awaiting approval are shown as instant notifications in the relevant manager's app. An approved transaction is executed automatically; a rejected transaction is cancelled and recorded.

8. Configuring the Accounting Integration

So that investment movements are reflected automatically in your accounting records, connect your accounting software (Xero, QuickBooks or Sage) via Settings > Integrations. Once the connection is complete, share trades, dividend payments, bond coupon income and commission expenses are synchronised in real time.

If you trade in the US market, complete the W-8BEN-E form to optimise dividend withholding tax. This form can be completed digitally via Invest > Tax Documents in the app.

9. A Recommended Starting Strategy

For businesses using the investment services for the first time, a phased approach is recommended. In the first stage, start to earn a low-risk yield by directing the idle cash in the company treasury into Flexible Cash Funds. In the second stage, open a low-cost position in broad market indices through global ETFs. In the third stage, add a fixed-income layer with government bonds whose maturities suit your company's cash flow calendar. Finally, you can complete your diversification by allocating a small percentage of the portfolio to alternative assets such as gold or crypto.

At every step, it's advisable for investment decisions to be made in coordination with your company's financial adviser and accountant, so that tax obligations and cash flow planning are handled soundly.

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This content is for information purposes and does not constitute investment, legal or financial advice. Investment instruments carry risk; the value of your capital may rise or fall. Please seek professional advice for your company's specific situation.