Comparison · Updated April 2026
GeraCash vs Revolut — honest comparison (2026)
Revolut is Europe's largest neobank with 45M+ customers, a full banking licence in Lithuania, stock and crypto trading, and a tiered subscription model (Standard, Plus, Premium, Metal, Ultra). GeraCash is a simpler multi-currency wallet with no monthly plans, no weekend FX markup, and native settlement in emerging-market corridors Revolut doesn't serve. This page compares them honestly.
TL;DR
- Pick Revolut if you want an all-in-one neobank with stock trading, crypto, premium card tiers, and you're happy to pay £3.99-£45/month for higher allowances.
- Pick GeraCash for transparent per-transfer pricing with no monthly plan, no weekend markup, and native settlement in AMD, GEL, UZS, KES corridors.
- Light FX users inside Revolut's free allowance: Revolut wins. Heavy FX users, weekend transfers, or emerging-market corridors: GeraCash wins.
Feature comparison
| Feature | GeraCash | Revolut |
|---|---|---|
| Monthly subscription | YesFree — no tiered plans | PartialFree Standard; Plus £3.99, Premium £7.99, Metal £14.99, Ultra £45/month |
| FX rate on weekdays (inside allowance) | YesMid-market + 0.35-0.60% fee | YesMid-market up to plan allowance |
| FX rate on weekends | YesSame mid-market + fee (no weekend markup) | No+1% markup, all plans, all currencies |
| FX above plan allowance | YesNo caps, uniform fee | Partial+0.5-1% markup per transaction |
| Supported currencies (hold) | Yes20+ | Yes36 fiat + 90+ crypto |
| Armenian dram, Georgian lari, Uzbek som native rails | YesNative two-way settlement | NoNot supported |
| Kenyan shilling / M-Pesa | YesM-Pesa send and receive native | NoNot supported directly |
| Physical card | PartialGeraCash Card — UK and EU | YesCard in 40+ countries, 5 tiers |
| Crypto trading | PartialUSDC, USDT on/off-ramp | Yes90+ tokens, in-app trading |
| Stock trading | NoNot offered | YesFractional shares, EU and UK listings |
| Deposit protection | PartialFCA-safeguarded e-money | YesFSCS £85K for UK banking entity customers |
| Customer support | Yes24/7 chat in Armenian, Georgian, Russian, English | Partial24/7 chat (free); phone on paid plans |
Per each vendor's published fee schedule, plan details, and country list as of April 2026. Always verify live rates on the day of transfer.
5 data-backed differentiators
- No weekend FX markup. Revolut adds 1% on weekends on every plan; GeraCash applies its published fee uniformly, 7 days a week.
- No monthly plan. Flat per-transfer pricing; you never pay for a month where you didn't transfer.
- Native settlement in AMD, GEL, UZS, KES. Revolut doesn't offer this — your recipient receives a cross-border SWIFT-style wire that their bank typically charges to credit.
- GeraCoins loyalty every transfer earns coins usable across GeraMarket, GeraEats, GeraSure.
- Local-language support in Armenian, Georgian, Russian, Swahili, Uzbek — not available on Revolut.
When to pick GeraCash
- You transfer to or from CIS, Caucasus, or East-African markets.
- You don't want to pay a monthly plan.
- You transfer on weekends and care about the FX markup.
- You want one app for fiat + stablecoin without a crypto casino UX.
When to pick Revolut
- You want stocks and 90+ crypto tokens in one app.
- You want a metal card, travel insurance, airport lounges.
- You value FSCS £85K protection on UK banking funds.
- Your FX volume fits inside a Standard or Plus allowance.
Fair caveats
Revolut is one of the most mature neobanks on earth, with product breadth (stock trading, Junior accounts, business banking, lending, travel insurance) that a newer wallet cannot match. For users who want a single financial super-app and can absorb the plan fees, Revolut remains an excellent choice and we will tell you so. GeraCash competes on transparency, simplicity, and corridor depth Revolut doesn't offer.
Frequently asked questions
Does Revolut use mid-market FX like Wise and GeraCash?
Only weekdays and only within your plan's free allowance. On Revolut Standard (free plan), you get £1,000/month of FX at mid-market; above that Revolut adds a 0.5-1% markup. On weekends, Revolut adds a 1% markup to all FX regardless of plan. GeraCash applies its published 0.35-0.60% fee uniformly — no weekend markup, no volume tiers.
Is GeraCash cheaper than Revolut?
Depends on your volume and timing. For light users inside the Revolut free FX allowance on weekdays, Revolut is cheaper. For heavier users, weekend transfers, or transfers above the plan allowance, GeraCash's flat 0.35-0.60% beats Revolut's effective 1-2% on those transactions. For the emerging-market corridors GeraCash specialises in, GeraCash is cheaper at any volume.
Which has better emerging-market support?
GeraCash, by design. We have native two-way rails in Armenia, Georgia, Uzbekistan, Kenya, and Kazakhstan. Revolut operates in 40+ countries but primarily as a card-and-wallet product in EU, UK, US, AU, SG — it does not natively settle in AMD, GEL, UZS, or KES.
Does GeraCash have a metal card or premium plan?
Not today. Our model is no monthly plan — everyone pays the same per-transfer fee with no tiered allowances. Revolut has Standard (free), Plus, Premium, Metal, and Ultra, each unlocking higher FX allowances and perks. If you value a metal card and lounge access, Revolut wins; if you want simplicity and no monthly charge, we do.
Is Revolut regulated the same way as GeraCash?
Both are FCA-authorised in the UK. Revolut additionally has a full banking licence in Lithuania (ECB-authorised) and a US state banking charter. GeraCash is an e-money institution — customer funds are safeguarded under FCA rules but not FSCS-protected. Revolut UK customer funds are FSCS-covered up to £85,000 where held in their banking entity.
Ready to send with GeraCash?
Flat fee, no weekend markup, no monthly plan.
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