Revolut Crypto Card
Visa + MastercardcustodialKYC: required
3.0 / 5
Net Reward1.5
Availability2.0
Custody & Risk2.0
Features4.8
UX4.5
The Revolut Crypto Card is a prepaid debit card that enables real-time conversion of over 250 cryptocurrencies to fiat currency at the point of sale. Users can spend crypto assets directly for everyday purchases without manual pre-conversion, though crypto features are unavailable for US customers.
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Slug: revolut-crypto-card
Our Verdict
Digital nomads and frequent travelers who need seamless currency conversion across borders, crypto investors who want to utilize their holdings for everyday spending without complicated transfers, and Revolut ecosystem users who already rely on the platform for banking and want integrated crypto functionality.
Pros and cons
Pros
- Seamless integration of crypto with everyday spending
- No pre-conversion needed - automatic conversion at point of sale
- Comprehensive suite of card management features
- Strong security and compliance framework
- Integration with broader Revolut financial ecosystem
- Premium/Metal/Ultra plans have no fair usage fees and 0% weekend FX markup
- Support for 250+ cryptocurrencies
Cons
- Custodial model means users don't control private keys
- Fair usage fees apply when monthly exchange limits exceeded (Standard/Plus tiers)
- Cashback only available on higher-tier paid subscriptions (Metal/Ultra)
- Account freezes during compliance reviews can restrict access
- Slight price difference compared to dedicated crypto exchanges due to embedded spread
- Revolut does not publish a fixed maximum spread for crypto exchange rates
Supported chains
BitcoinEthereumPolygonSolana
Supported cryptos
BTCDOGEETHLTCMATICSHIBSOLXRP
Fees
Monthly: See card_tiers - £0 to £55/€60 depending on tier
Issuance: See card_tiers - varies by tier (£4.99/€5.50 delivery for Standard, Free for Plus and above)
Purchase Transaction: Free
Key Features
- Real-time conversion of 250+ supported cryptocurrencies to fiat at point of sale
- Available in multiple tiers from free Standard to premium Ultra (€60/£55 monthly)
- No manual pre-conversion needed - automatically uses crypto for purchases
- Integrated with Revolut's comprehensive financial ecosystem
- Compatible with Apple Pay and Google Pay
- Seamless spending of crypto at millions of merchants worldwide
- Fee-free currency exchange up to tiered monthly limits
- No staking requirements for basic card usage
- Comprehensive security features including card freezing and 2FA
Limitations
- Custodial model - users don't control private keys
- Crypto services (including Crypto Card) unavailable in the United States
- Cashback capped at approximately one month's subscription fee
- Limited customer support for crypto-specific issues reported
- Fair usage fees apply when monthly exchange limits exceeded (Standard/Plus tiers)
- Account freezes during compliance reviews can restrict access
- Slight price difference compared to dedicated crypto exchanges due to embedded spread
- Revolut does not publish a fixed maximum spread for crypto exchange rates
- Not all tokens can be withdrawn to external wallets
- Some merchant types may not accept prepaid cards (e.g., car rentals, pay-at-pump gas)
Risks
- CounterpartyCustodial model means users don't control private keys; if Revolut ceased operations, users may lose access to funds
- RegulatoryDiscontinuation of US crypto services following regulatory pressureOctober 2023
- RegulatoryCompany's need to comply with evolving regulations represents ongoing consideration for users
- SecurityCrypto holdings are not government-insured
Rewards & Cashback
Notes: Standard/Plus/Premium tiers have no default cashback. Some regions offer special promotions (e.g., 1.5% flat cashback in Singapore for Metal users)
Cashback Cap: Approximately one month's subscription fee
Reward Token: Currency of choice (including cryptocurrency)
Cashback Rate: 0.1% in eligible European countries, 1% outside Europe (Metal/Ultra tiers only)
Interest On Balance: Higher interest rates on savings for Metal/Ultra tiers
Eligibility Requirements: Metal or Ultra subscription required for cashback
Spending Limits
Notes: Exchange frequency limited to 200 exchanges per 24 hours across fiat and crypto
Atm Daily: £3,000 per account
Atm Monthly: £200-£2,000 free depending on tier, then 2%
Daily Spending: Very high, effectively unlimited for normal usage
Per Transaction: ~£100,000
Top-Up Methods
Crypto balance in Revolut app
Processing Time: Automatic conversion at purchase
Banking & Financial Services
✓
SWIFT
✓
Virtual Accounts
One free SWIFT transfer monthly for Premium tier and above. Multi-currency accounts allow holding balances in 30+ fiat currencies.
Security Features
Features: Passcode/biometric login,2FA for new device authentication,Freeze/unfreeze functionality,Enable/disable specific payment types,Custom spending limits,Location-based security,Disposable virtual cards (Premium+ tiers),Address whitelisting for withdrawals,Additional verification for sending crypto out,24/7 fraud monitoring and alerts
Insurance: Fiat funds: EU customers covered by deposit guarantee up to €100,000. Crypto holdings not government-insured.
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Digital nomads and frequent travelers who need seamless currency conversion across borders, crypto investors who want to utilize their holdings for everyday spending without complicated transfers, and Revolut ecosystem users who already rely on the platform for banking and want integrated crypto functionality.
Custody Model
custodialPlatform holds all crypto on behalf of users. Users do not control private keys; Revolut manages custody.
Risk: If provider ceased operations, users may lose access to funds. Crypto holdings are not government-insured.
Card Issuer & Compliance
Issuer Name: Revolut Ltd (UK), Revolut Bank UAB (EU), regional partner banks elsewhere
Kyc Required: true
Issuer License: UK: Revolut Ltd registered with FCA for cryptoasset activities, FCA-authorized Electronic Money Institution. EU/EEA: Revolut Digital Assets Europe Ltd (RDAEL) licensed in Cyprus as Crypto Asset Service Provider (CASP) under EU MiCA regulation by CySEC. Revolut Bank UAB (Lithuania) fully licensed bank under ECB supervision.
Platform Licenses: FCA registration (UK),CySEC CASP license (Cyprus/EU),ECB supervised bank license (Lithuania),MAS (Singapore),ASIC/APRA (Australia)
Availability
Available in 37 countries including EEA, UK, Switzerland, Australia, New Zealand, Japan, Singapore, and Brazil. Crypto services disabled for US customers. Restricted in 12 countries including sanctioned jurisdictions.
Card Tiers
Standard
PhysicalStandard plastic
None
Fees
Issuance: Delivery fee (~£4.99/€5.50)
Monthly: £0/€0
VisaMastercardApple PayGoogle Pay
Cashback: None
ATM Free: £200/month
FX Free: £1,000/month
Basic multi-currency accountsBudgeting toolsCrypto trading/spending
Plus
PhysicalPlastic with custom options
£3.99/€2.99 monthly subscription
Fees
Issuance: Paid
Monthly: £3.99/€2.99
VisaMastercardApple PayGoogle Pay
Cashback: None
ATM Free: £200/month
FX Free: £3,000/month
Everyday protection insurance up to £1,000/yearOne junior account0.5% weekend FX markup0.5% fair usage fee after limit
Premium
PhysicalPremium plastic
£7.99/€7.99 monthly subscription
Fees
Issuance: Free express
Monthly: £7.99/€7.99
VisaMastercardApple PayGoogle Pay
Cashback: None
ATM Free: £400/month
FX Free: Unlimited
Travel insuranceAirport lounge accessDisposable virtual cardsPriority supportTwo junior accountsOne free SWIFT transfer monthly0% weekend FX markupNo fair usage fee
Metal
Physical18g stainless steel
£14.99/€13.99 monthly subscription
Fees
Issuance: Free priority
Monthly: £14.99/€13.99
VisaMastercardApple PayGoogle Pay
Cashback: 0.1% in Europe, 1% outside Europe
ATM Free: £800/month
FX Free: Unlimited
All Premium perksHigher interest on savingsExclusive eventsPriority supportFive junior accounts0% weekend FX markupNo fair usage fee
Ultra
PhysicalPlatinum-plated metal
£55/€60 monthly subscription
Fees
Issuance: Free priority
Monthly: £55/€60
VisaMastercardApple PayGoogle Pay
Cashback: 0.1% in Europe, 1% outside Europe
ATM Free: £2,000/month
FX Free: Unlimited
All Metal benefitsUnlimited airport lounge access for member and guestGlobal eSIM dataPremium subscriptionsExtended insuranceConcierge support0% weekend FX markupNo fair usage fee
Merchant Restrictions
Car rentals- May not accept prepaid cards
Pay-at-pump gas stations- May not accept prepaid cards
High-risk or sanctioned entities- Transactions may be declined
User Ratings
4.6/5.0 (254,511 ratings)
Trustpilot
4.5/5.0 (3,573,162 ratings)
Google Play
4.8/5.0 (140,618 ratings)
App Store
User feedback is generally positive regarding ease of use, seamless integration, and convenience
Roadmap & Updates
Recent Updates:
- Introduction of on-chain withdrawals and deposits (2021-2022)
- Launch of dedicated Crypto Card functionality (late 2022)
- Discontinuation of US crypto services (October 2023)
- Implementation of EU MiCA compliance through RDAEL's CASP license in Cyprus (2024-2025)
Conclusion
The Revolut Crypto Card successfully bridges the gap between cryptocurrency holdings and everyday spending, transforming crypto from a speculative asset into a practical currency. Its primary advantage is the seamless user experience that requires no special knowledge for consumers to utilize crypto for purchases at standard merchants. The tiered subscription model allows users to choose benefits matching their usage patterns, from basic functionality to premium perks. With support for 250+ tokens, competitive fee structures (especially on paid plans with no fair usage fees), and deep integration with Revolut's comprehensive financial ecosystem, it represents one of the most user-friendly crypto spending solutions available through a licensed institution. However, the custodial nature creates counterparty risk, and the company's need to comply with evolving regulations (as evidenced by the US market crypto service discontinuation) represents an ongoing consideration for users. The card is ideal for customers who value convenience and integration over decentralization principles - particularly globally mobile individuals and those who appreciate having multiple financial services in one application.
Card launched: Late 2022
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