First, revolut charges 3% fee to get funds from your US debit card, this basically wipes out any savings from the foreign-exchange transaction. Second, they are no longer taking funds from the US debit cards. That means that there is no way to put funds into the account after the initial deposit is taken, and you cant get them back. So...no savings, and the fact that you cant use it, I find it hard to figure out why theres any reason to have it