Revolut

Revolut is a digital banking app offering multi-currency accounts, card spending abroad and currency exchange at rates close to the interbank market.

Its practical value is travel and cross-border spending: holding several currencies in one account and converting when rates suit, rather than accepting whatever a card issuer applies at the point of sale.

Free tiers apply exchange limits and weekend markups, and the regulatory status of deposits differs by country — worth checking rather than assuming ordinary bank protections.