What is Revolut <18 (Revolut Junior) and how does it work? [2023]

If you’re a Revolut customer, You may also have heard of the Revolut Junior account, now known as Revolut <18. Revolut Junior accounts can be used alongside a Revolut personal account for adults, to allow your children or teens to create and work towards savings goals, and spend easily with a Revolut Junior card.

This guide covers all you need to know - including key questions like what is Revolut Junior, and the Revolut Junior fees and limits you should consider.

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Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

Can you use Revolut under 18?

In the US, Revolut Junior accounts are marketed towards young people aged 13 to 17¹.

Revolut Junior accounts are linked to personal Revolut accounts for adults. That means that any holder of a Revolut adult account can open and assign one or more Revolut <18 accounts to teens and young adults, as long as they’re the teen’s parent or legal guardian². Different Revolut adult accounts have options to open different numbers of Revolut Junior accounts.

How does Revolut Junior work?

With Revolut Junior, both the adult and the Junior account holder can download either the regular Revolut app, or the Revolut <18 app, to view and manage transactions.

Revolut <18 accounts come with a linked spending card you can use with Apple or Google Pay for convenient mobile payments.

As well as all this, there are:

• Varied Revolut Junior card designs
• Options to set goals for saving and budgeting
• Easy ways to send payments to others, and add notes and GIFs to personalize
• Transaction and spending alerts to both the account holder and the holder of the linked adult account
• Security features to keep the account and Revolut Junior card safe

It’s worth noting that Revolut <18 accounts can only be opened in the base currency of the adult’s account - so usually USD if you’re here in the US.

Payments into the Revolut Junior account can only be made in this base currency, and if you spend in a foreign currency using a Revolut Junior card, currency conversion will be completed in the same way as it is for your adult account. However, as Revolut <18 accounts have lower fee free transaction limits compared to any adult Revolut account, fees may apply. More on that later.

How to get Revolut Junior?

Teens aged 13 plus can download the Revolut <18 app, and create a free Revolut Junior account. Here’s the process:

• Download the Revolut <18 app
• Create an account by entering your personal details and adding a secure password
• Get approved by a parent or guardian who has a Revolut personal account
• Your Revolut card will arrive by mail, and you’ll be able to make contactless payments, or add it to Google or Apple Pay for mobile spending

If you’re looking to open an account for a younger child, the adult will need to create the account themselves, through their own Revolut account. Simply log into the Revolut app to see your Junior account options.

Revolut Junior app

There’s a specific app for the Revolut <18 account, which should be downloaded by the Junior account holder. The adult with a linked Revolut account can view the Junior account through the regular Revolut app. It’s also possible to add a co-parent or another guardian to a Junior account, so 2 adults can view and approve transactions on one Revolut Junior account.

Is Revolut Junior safe?

Revolut is not a bank itself, but offers services in the US through partnerships with various banks and card providers. That means that any funds held are kept securely on behalf of customers, and Revolut - including Revolut Junior - is safe to use.

In addition to this, Revolut has various manual and automatic fraud prevention measures in place which run 24/7 to keep customers and their accounts safe.

Is Revolut Junior free?

So, how much is a Revolut Junior account?

There’s no fee to get a Revolut Junior account as long as you already have a Revolut adult account. Revolut’s US adult account plans include the Standard plan which has no monthly fee, or you can choose to upgrade to an account with a monthly fee. Monthly fee paying account plans offer additional Revolut <18 account options.

Here’s a rundown of Revolut Junior’s fees³:

Revolut Junior account limits

If you’re thinking of getting a Revolut <18 account, it also helps to know there are some limits to how the accounts can be used. These limits apply to each Revolut Junior account separately, not across all your Junior accounts combined:

• Maximum 12,000 USD can be sent to a Revolut Junior account in a year
• Maximum 10,000 USD can be held in a Revolut Junior account at any one time
• Maximum 120 USD in ATM withdrawals, up to 3 withdrawals a day and 7 per week
• Maximum 1,000 USD spend on a Revolut Junior card per day, capped at 15 card transactions per day

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Revolut <18 card

One of the strongest features of the Revolut <18 account is the Revolut Junior card. You can get a standard card - or custom make your own design. In this case you can draw on it, add text, or even add emojis, although personalization fees may apply.

Parents can make transfers to the Revolut <18 account - to cover pocket money, for example - and the Junior account holder can then use their debit card to spend and make cash withdrawals securely.

Revolut’s Junior card also has handy features, such as transaction alerts to the linked adult account, so parents can keep an eye on their child’s spending, and transaction blocks for most unsuitable spending types. This means, for example, that the Revolut Junior card can’t usually be used to buy alcohol or to gamble.

Revolut Junior alternatives

Of course, Revolut Junior isn’t your only option. Here are a few Revolut alternatives to consider.

Bottom line

Revolut Junior - now rebranded as Revolut <18 - offers simple ways for children and teens aged around 6 to 17 to manage their money, and spend conveniently on a linked Revolut Junior card. Revolut Junior accounts must be linked to an adult account held by a parent or legal guardian, and the adult will have ultimate responsibility for any transactions made using the account. This means a parent can get instant transaction notifications and easily check their child’s spending.

Revolut Junior accounts are free to open, with different numbers of linked accounts available based on the Revolut account tier held by the adult. Some fees and limits do apply to Revolut <18 accounts - which you’ll want to know about before you sign up.

Use this guide to learn all you need to know about Revolut Junior - and don’t forget, if you’re looking for a flexible account option you can use to hold and exchange 50+ currencies, take a look at Wise as a great alternative.

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