Head-to-head · Finance
Venmo vs Revolut
Which one to pick in 2026 — comparing 🇺🇸 Venmo with the European alternative 🇪🇺 Revolut on the things that actually decide who can read your data.
🇺🇸 Venmovs🇪🇺 Revolut
Verdict
Who has stronger privacy guarantees by law?
Revolut — GDPR-native and outside the US CLOUD Act / FISA 702 reach.
Which one encrypts your data end-to-end by default?
Neither ships full E2E by default — check the table for nuance.
Which one tracks you for ads?
Venmo relies on ad tracking. Revolut doesn't.
Which one is open source?
Revolut is not fully open source — check details.
Side-by-side
Venmo vs Revolut — full comparison
Criteria
🇪🇺 Revolut
🇺🇸 Venmo
Headquarters
London, United Kingdom
New York, USA
Jurisdiction
UK + Lithuania (EU banking license)
USA
Data location
EU + UK
US
GDPR-native
Yes
No
CLOUD Act / FISA exposed
No
Yes
Ad tracking
No
Yes
End-to-end encryption
No
No
Open source
No
No
Ownership
Revolut Group Holdings
PayPal Holdings
Founded
2015
2009
Make the switch
Try Revolut instead of Venmo
Multi-currency super-app.