How to Track Revolut Stocks and Crypto in Freenance 2026 — EU Fractional Shares, Cost Basis & Portfolio Export

Revolut has spent the last five years quietly turning itself into the financial-super-app of the European retail user. What started as a multi-currency travel card now bundles current accounts in 30+ currencies, fractional shares of US and select EU equities, crypto trading, commodities, vaults, savings, and a Lithuanian banking licence. For a casual investor with €50 to put into Apple, €30 into Bitcoin, and €100 sitting in EUR Pockets, Revolut is genuinely convenient. For a serious portfolio investor, Revolut is one piece of the picture — never the whole picture.

The native Revolut app shows you the value of each Pocket, the unrealised P/L on stocks, and the crypto wallet balance. It does not show your total net worth across other brokers, your real allocation, your forward dividend, your FIRE runway, or your tax liability across asset classes. It also does not, as of 2026, expose a public retail API. Tracking Revolut alongside the rest of your finances means exporting the data and importing it into a consolidated tracker. This tutorial walks the full procedure.

TL;DR: Export your Revolut Stocks statement (monthly PDF / annual CSV) and your Revolut Crypto transaction history (CSV). Import both into Freenance. The tracker resolves the fractional-share cost basis correctly, separates crypto-vs-securities tax treatment as required by your jurisdiction (Poland's PIT-38 separates crypto from equities), and consolidates Revolut alongside DEGIRO, Trade Republic, IBKR, and your bank accounts. Sign up for Freenance and consolidate your portfolio.

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What Revolut's Native Reporting Misses

Revolut's product is optimised for engagement, not for analytics. The product team measures monthly active users, transaction volume, and cross-sell of products inside the app. Reporting is a means to that end, not the goal. The result is a portfolio view that is fine for casual checking and inadequate for serious tracking:

• No combined view across asset classes. Stocks, crypto, cash, vaults, and commodities live in separate tabs. There is no "total invested" number that sums them honestly.
• No FIRE / runway projection. Revolut is not built to plan toward financial independence and does not pretend to be.
• No multi-broker view. Revolut Stocks shows what Revolut custodies — typically a few US and EU equities, often fractional. Your real equity exposure sits across DEGIRO, Trade Republic, IBKR, and Polish brokers.
• Fractional shares cost basis is opaque. When you buy €25 of MSFT today and €25 next month, Revolut shows your "average price" but does not give you a lot-by-lot view useful for tax reporting or selective lot disposal.
• Crypto and stocks tax treatment is co-mingled in the app. Most EU jurisdictions tax crypto and securities under separate rules (e.g. Polish PIT-38 — crypto is reported in its own section; Italian plusvalenze cripto runs separately from equity plusvalenze).
• No dividend forecast. US dividend stocks held at Revolut do distribute (net of US WHT) but the app gives no forward estimate.
• No allocation drift detection. If your target is 70% equities / 20% crypto / 10% cash but a crypto rally has pushed you to 35% crypto, Revolut will not flag the rebalance.

This is the gap Freenance closes.

What You Need

1. A Revolut account with Stocks and/or Crypto activity.
2. Access to the Revolut mobile app and the Revolut web dashboard (some statements are only easily downloaded from web).
3. A Freenance account — free tier handles one broker, paid tiers unlock multi-broker and multi-currency.
4. Roughly 20 minutes for the first import. Monthly maintenance: 5 minutes.

Step 1: Export Revolut Stocks Activity

Revolut Stocks is operated by Revolut Securities Europe UAB (Lithuania) for EU clients. The available exports:

Monthly Stocks Statement (PDF)

1. Open the Revolut app → Investments → Stocks → Statements.
2. Each closed month has a PDF statement: positions, transactions, dividends, fees, and corporate actions.
3. Download every PDF for the period you want to import.

Annual Tax Statement (PDF + CSV)

1. In January–March of each year, Revolut produces an annual tax statement under Statements → Tax documents.
2. This includes a CSV of all trades and a summary PDF.
3. For prior years, the same path applies — Revolut retains them.

Live Transaction Export (Web)

1. Log in to app.revolut.com.
2. Go to Investments → Stocks → Activity.
3. Filter by date range and click Export → CSV.
4. This gives a clean machine-readable file with date, symbol, action (buy/sell/dividend/corporate action), quantity, price, currency, and value.

Use the web CSV for the import workflow. The PDF is a fallback when the CSV is missing fields.

Step 2: Export Revolut Crypto Activity

Revolut Crypto is operated by a separate legal entity and the data path differs slightly.

1. In the Revolut app → Crypto → Statements.
2. Each closed month has a PDF statement.
3. For annual export, Statements → Tax documents also includes a Crypto Annual Statement with a CSV transaction list.
4. The web dashboard at app.revolut.com → Crypto → Activity offers a similar CSV export with date, asset, action (buy/sell/transfer/reward), quantity, price in account currency, and fees.

Note: Revolut Crypto is a closed environment — you cannot transfer crypto in or out (with limited exceptions). Every buy and sell happens against Revolut as principal. This simplifies cost basis tracking but means transfers from external wallets do not exist in this dataset.

Step 3: Add Revolut as Accounts in Freenance

Best practice is to create two separate accounts in Freenance — one for Stocks, one for Crypto — because the tax treatment differs.

1. Log in to Freenance.
2. Assets → Add brokerage account → Revolut Stocks.
3. Base currency: EUR (or your Revolut Stocks denomination).
4. Tax residency: set to your country.
5. Save.
6. Repeat for Revolut Crypto as a crypto account type (not brokerage).

Step 4: Import the Stocks CSV

1. Open the Revolut Stocks account in Freenance.
2. Import transactions → Upload CSV → select the file from Step 1.
3. Freenance auto-detects Revolut's column format.
4. Review the preview. Specific things to check:
   • Fractional-share quantities (e.g. 0.3147 MSFT) — confirm they imported with full precision.
   • Dividend rows linked to their underlying position.
   • WHT lines (typically 15% on US dividends under the relevant EU-US tax treaty, assuming W-8BEN-equivalent is on file with Revolut Securities) properly tagged.
   • Corporate-action rows — splits, ticker changes, ADR conversions.
5. Commit the import.

How Freenance Handles Fractional Cost Basis

Each fractional purchase becomes its own lot:

• 2026-01-15: bought 0.1432 shares MSFT at $410.55 → cost basis €60.04 (EUR-equivalent).
• 2026-02-15: bought 0.1399 shares MSFT at $420.10 → cost basis €60.18.
• 2026-03-15: bought 0.1376 shares MSFT at $425.30 → cost basis €60.06.

When you partially sell, Freenance uses FIFO (or LIFO if your jurisdiction allows) to identify which lot is disposed. For tax purposes, the partial-lot disposal produces a precise realised P/L tied to the specific lot — which Revolut's app does not surface natively.

Step 5: Import the Crypto CSV

1. Open the Revolut Crypto account in Freenance.
2. Import transactions → Upload CSV → select the crypto file.
3. Freenance recognises the standard Revolut crypto columns.
4. Confirm:
   • Each crypto buy is paired with the EUR (or other fiat) outflow.
   • "Earn" / staking rewards (where applicable) imported as income events, tagged as crypto-source rewards for tax classification.
   • Internal swaps (e.g. BTC → ETH) imported as a sell-and-buy pair, not as a single event.
5. Commit.

How Freenance Handles Crypto Tax Classification

Most EU jurisdictions classify crypto separately from securities. In Poland specifically:

• Crypto disposal goes on PIT-38, section E at 19% on the gain, with cost-of-acquisition fully deductible (including unsold inventory carrying forward).
• Equity disposal goes on PIT-38, section C at 19% as well, but with different sourcing rules and the cost-basis treatment of dividends is separate.

Freenance keeps the two separate. The Revolut Stocks account flows into the equity report; the Revolut Crypto account flows into the crypto report. They are aggregated on the net-worth dashboard but separated on the tax dashboard — which is exactly what the law requires.

Step 6: Verify and Reconcile

1. Compare the Freenance Revolut Stocks total against what the Revolut app shows for the same date.
2. Compare the Freenance Revolut Crypto total against the Revolut app crypto total.
3. Both should match within FX rounding (under 1%).

If something is off, the usual suspects are:

• A pending corporate action that Revolut has accrued but not yet executed.
• A "stock reward" or referral bonus that imported as a quantity adjustment with zero cost basis (which is correct).
• A fractional-share rebalance after a stock split.

Step 7: Unlock the Consolidated View

Once Revolut Stocks and Crypto are in Freenance, add your other accounts:

• DEGIRO via CSV.
• Trade Republic via PDF or manual ISIN.
• IBKR via Flex Query.
• Bank accounts (Revolut current account, ING, mBank, Wise) via CSV / open banking.

The Freenance dashboard now shows:

• Total net worth across everything.
• True asset allocation — what fraction is in US equities, EU equities, crypto, cash, real estate.
• Currency exposure — how much of your wealth sits in EUR vs USD vs PLN vs GBP.
• FIRE runway — years until your projected portfolio hits your target.
• Forward dividend estimate — next 12 months of dividend cash flow.
• Tax preparation reports — equities and crypto separated by jurisdiction.

This is the consolidated tracker job. Revolut is one input. Freenance is the output.

Sign up for Freenance and consolidate your portfolio.

Why Fractional-Share Cost Basis Is Surprisingly Hard

The "buy €25 of Apple" UX that Revolut and most modern brokers offer is a triumph of product design and an arithmetic challenge for tax tracking. Each €25 buy at a different APPL price produces a different fractional quantity, and over 24 monthly buys you accumulate 24 lots of slightly different sizes at 24 different prices.

The arithmetic problem becomes visible the moment you sell. If you sell €100 of your Apple position, which lots are you disposing of? Most EU tax jurisdictions default to FIFO (the oldest lots are sold first), but several allow LIFO or specific identification if the broker supports it. Revolut's app shows you the aggregate position and the average cost; it does not let you choose which lot to sell.

In Freenance:

• Each fractional buy is an explicit lot, with full decimal precision (e.g. 0.0613 shares AAPL at $187.42).
• When you record a sale, Freenance applies your chosen lot-disposal method (FIFO/LIFO/specific) and computes the lot-level realised P/L.
• The tax report aggregates these into a single proceeds-and-cost-basis figure ready for your return.

For an investor with two years of monthly fractional buys across five tickers (120 lots total), this is the difference between a tractable tax-prep exercise and a Sunday-afternoon spreadsheet ordeal.

Worked Example: Revolut Stocks + Crypto + Bank Cash in One View

Consider a Polish-tax-resident Revolut user with:

• Revolut Stocks: €4,000 in fractional positions across AAPL, MSFT, NVDA, V, JNJ (5 positions, ~60 lots accumulated over 24 months of monthly buys).
• Revolut Crypto: €2,500 in BTC and ETH bought across 30 transactions.
• Revolut Pockets: €3,000 in EUR Pocket, €500 in USD, €200 in GBP (held for travel).
• Revolut Savings: €5,000 in the higher-yield product at the current rate.

In the Revolut app, this is visible as five separate screens with no aggregate view.

In Freenance after import:

• Total Revolut value: €15,200.
• Asset allocation slice: 26% equities, 16% crypto, 25% cash (current + savings), 33% if combined with other accounts (where the rest of the picture sits).
• Fractional-share lot view: 60 lots ready for FIFO disposal at any future sale.
• Crypto cost basis ready for PIT-38: section E with full transaction list including stable-coin pairs if any.
• Forward dividend forecast: ~€80/year gross from the 5 equity positions, ~€68 net of US WHT.
• Cash interest accrual: roughly €175/year from Revolut Savings at the current rate, taxed at 19% in Poland.
• FX exposure: 78% EUR, 18% USD (via stocks and USD Pocket), 4% other.

This is the consolidated picture that a sole-Revolut user could not previously see and that Freenance produces in 20 minutes of setup. Sign up for Freenance and consolidate your portfolio.

Common Pitfalls

Frequently Asked Questions

Does Freenance auto-sync with Revolut?

Not currently — Revolut does not expose a public retail API for portfolio data, only for business clients via Revolut Business API. The CSV import is the practical state of the art. Once Revolut exposes a personal-finance read API, Freenance will integrate.

How does Freenance handle Revolut multi-currency pockets?

Each currency Pocket (EUR, USD, PLN, GBP, etc.) imports as a separate cash account inside the Revolut grouping. FX conversions between Pockets are tracked so realised FX gains and losses on operational cash holdings are visible.

What about Revolut Vaults and Savings?

Vaults import as cash sub-accounts. Revolut Savings (the higher-yield product) imports as a deposit account with the relevant interest accrual. Both flow into the cash-allocation slice of your net worth.

Can Freenance produce a Polish PIT-38 from Revolut data?

Freenance generates the working figures (proceeds, cost basis, realised gain, dividends, WHT) for both equities and crypto, separated as PIT-38 requires. You or your tax advisor transcribe these into the form. Freenance does not e-file with KAS — that is the taxpayer's responsibility.

Does Freenance handle Revolut commodity trading (gold, silver)?

Yes. Revolut commodities import as positions in the Revolut Stocks account container with their own cost basis. Tax treatment of physical-backed commodities is jurisdiction-specific and Freenance tags them as commodities, not as securities or crypto.

Further Reading

• How to track your crypto portfolio — the cryptocurrency-specific tracking framework.
• Track all investments in one place — the multi-broker, multi-asset rationale.
• Cryptocurrency tax in Poland 2026 — the PIT-38 mechanics for crypto disposal.

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This guide is for general information only and is not investment, tax, or legal advice. Tax treatment of fractional shares, crypto disposals, and FX gains is jurisdiction-specific and depends on personal circumstances. Consult a licensed tax advisor for your specific situation.