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ORACLE evaluates every market across five layers, from raw data to a final verdict, and produces an explainable 0-100 score. Every recommendation can be traced back to the data and logic behind it.

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Octopus, the sensory system, continuously monitors demographics, economy, infrastructure, government planning and real estate markets: population growth, migration, salaries, zoning plans and transactions.

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The platform is in active development. We are collecting market data, training the models and validating scores against real transactions in Dubai and key European metros. Early access can be requested via the contact form.

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How to read your Revolut statement and find every hidden fee

Jun 23, 2026 · 7 min read

Revolut feels almost free. The app is fast, the card is sleek, and most days you never see a fee at all. That is exactly why the money leaks add up quietly. A small weekend markup here, an ATM fee there, a plan you upgraded once and forgot, and over a year it becomes real money. None of it is hidden in a sinister sense, it is all there in black and white. It is just spread across hundreds of lines that nobody sits down to read.

Your Revolut statement is the one document that holds the full record. Read it properly, or let something read it for you, and the leaks stop being invisible.

How to export your Revolut statement

You do not need anything clever to get your data out. Everything you need is already inside the Revolut app, and it takes about a minute.

Open the Revolut app and choose the account you want to review (your main account, or a specific currency or savings vault).
Find the statement or documents option. It usually sits in the account view or under your profile, labelled something like statements or documents.
Pick the period and currency, then download. You can usually choose a PDF for easy reading or a CSV or Excel file, which is best for analysis because every transaction sits in its own row.

That downloaded file is all you need. You never share your Revolut login, password or app access with anyone, you simply upload the file you already exported. VESTELON FLOW reads that statement the same way you would, only it never gets bored on line 300.

How much is your account quietly losing?

Subscriptions12%

Bank fees7%

Housing33%

Transport13%

Lifestyle21%

Utilities14%

This is only an estimate. Upload your statement to find your real number.

Where Revolut quietly costs you

Revolut is genuinely cheap for a lot of things, which is precisely why the costs that do exist slip past unnoticed. These are the usual places money leaks out of a Revolut account:

Weekend and out-of-hours FX markup. Currency exchange is favourable during the working week, but markets close at the weekend. Spend or convert on a Saturday and a markup is typically added on top of the rate.
ATM withdrawals beyond the free limit. Each plan includes a monthly free withdrawal allowance. Once you cross it, a percentage fee applies to every cash withdrawal.
Plan subscriptions you do not fully use. Plus, Premium and Metal carry a monthly or yearly fee. If you are not using the perks, you are paying for a tier you have outgrown or never grew into.
Round-up spare change. Rounding every purchase up to the nearest unit is a nice savings nudge, but it quietly moves money out of your spendable balance, and it is easy to forget it is on.
Fair-usage limits. Even on paid plans, some allowances are capped. Go over and the cheap exchange you signed up for stops being cheap.
Card, delivery, crypto and stock fees. Express card delivery, additional cards, and the spread or commission on crypto and stock trades all add small amounts that rarely register in the moment.

To see how this stacks up, here is an illustrative picture of how small fees turn into a yearly figure. These are example amounts to show the shape of the problem, not a quote of your actual charges:

Type of cost	Example per event	How often	Illustrative per year
Weekend FX markup	€1.50	Most weekends	€78
ATM fee over free limit	€2.00	Twice a month	€48
Plan subscription	€7.99	Every month	€96
Round-ups you forgot	€5.00	Every month	€60
Card and other fees	€4.00	A few times a year	€20
Total			€302

Your real numbers will differ, and that is the whole point: the only way to know is to read your own statement rather than guess. See what your own Revolut statement adds up to, free ›

What FLOW finds in your Revolut statement

Reading one month by hand is doable. Reading a full year, across currencies, catching every small fee and matching every recurring charge, is where most people give up. That is the part FLOW does for you.

Recurring charges grouped together, so a fee you see once becomes a yearly total you can actually feel.
Subscriptions you forgot, including the Revolut plan itself and the third-party services billed through your card.
The real cost of FX and ATM fees over a year, added up instead of scattered across hundreds of lines.
Your top leaks ranked, so you fix the biggest one first instead of guessing where to start.

Nothing is invented. FLOW only reports what is already in the statement you uploaded, presented so the pattern is obvious.

Three steps to your report

Export your statement from the Revolut app as a PDF or CSV, for the period you want to review.
Upload the file to FLOW. No bank login, no app access, just the document you already have.
Get your report, with your fees, subscriptions and top leaks laid out and ranked.

FLOW is in early access, and statement upload is rolling out to members, so this is the moment to get an honest, first look at where your money actually goes.

Find what your Revolut statement is really costing you, free ›

Upload one bank statement. FLOW shows exactly where your money leaks today, what it is worth once you redirect it, and the year it could set you free. Not another tracker: a plan you can act on.

Get my free reportFree first report · No card needed · No bank login · Delete anytime · GDPR-first