Revolut Card

Overview

Revolut has grown from a simple currency exchange app into one of Europe's largest fintech companies, now holding banking licenses and serving over 40 million customers worldwide. While not a crypto-native platform, Revolut has integrated cryptocurrency trading and spending into its comprehensive financial ecosystem, making it an excellent choice for users who want crypto functionality within a traditional banking framework. The Revolut card is a full-featured debit card that works for everyday banking, including salary deposits, bill payments, and worldwide spending. On top of these traditional features, it offers access to over 100 cryptocurrencies for buying, selling, and in some tiers, external wallet transfers. The Metal card, Revolut's premium offering, adds 1% cashback on all international spending, priority customer support, exclusive Metal design, and higher limits on all features.

Crypto Features

Revolut offers a crypto trading experience integrated directly into its banking app. Users can buy and sell over 100 cryptocurrencies with a few taps, set recurring purchases for dollar-cost averaging, and set price alerts. The crypto exchange spread varies by plan: Standard users pay approximately 2.5%, Premium users about 1.5%, and Metal users get the tightest spreads at around 1%. For spending crypto, Revolut allows you to set any cryptocurrency as a payment source for your card. When you make a purchase, the crypto is automatically converted to the local currency at the current exchange rate. However, there is a markup on crypto conversions, and weekend exchanges carry an additional 1% fee due to market closures. Higher-tier plans reduce or eliminate some of these fees. Revolut also offers Learn and Earn programs where users can earn small amounts of cryptocurrency by completing educational courses about various blockchain projects.

Plans and Pricing

Revolut offers four plans. The Standard plan is free and includes basic crypto trading with up to $1,000 per month in fee-free exchange. The Plus plan at $3.99/month adds higher exchange limits. The Premium plan at $9.99/month includes international medical insurance, higher crypto exchange limits, and tighter spreads. The Metal plan at $16.99/month provides 1% cashback on international spending, the exclusive metal card, and the best available rates on all features. For crypto users specifically, the Premium or Metal plans offer the best value due to significantly reduced exchange spreads and higher monthly trading limits. The Metal card's 1% cashback effectively offsets the monthly fee for moderate spenders. All plans include basic features like free international transfers, budgeting tools, and instant spending notifications.

Banking and Security

What sets Revolut apart from pure crypto cards is its status as a licensed financial institution. Revolut holds a European banking license through Revolut Bank UAB in Lithuania, is authorized by the Bank of Lithuania, and deposits are protected by the European Deposit Insurance Scheme up to 100,000 EUR. In the UK, it holds an e-money license from the FCA. This means your fiat funds enjoy the same level of protection as any traditional bank account. Security features include biometric authentication, disposable virtual cards for online shopping, location-based security that detects unusual spending patterns, and instant card freezing. The app also allows you to disable specific card functions like ATM withdrawals, contactless payments, or online transactions individually. For users who want the safety of a regulated bank with the added benefit of crypto access, Revolut offers the best of both worlds.

Supported Cryptocurrencies

Available Regions