Revolut card review

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Revolut card is a payment card linked to a Revolut account, and it can spend from a crypto balance. It is not really a crypto card in the standalone sense, the way some issuers build one; it is a Revolut account feature that adds a virtual card able to draw on a crypto holding. That distinction matters: if you already use Revolut, the card is a low-friction add-on; if you do not, you are essentially being asked to adopt Revolut as your primary financial app to access the crypto spending part. The company behind it is a large fintech with a UK banking licence (granted July 2024, with restrictions), a banking subsidiary in the EU, and a crypto-asset service provider in Cyprus. I have spent time with the terms, the help-centre pages and the third-party trackers, and this is my honest read of where the card works well, where it frustrates, and who I would point toward it.

Conditions are current as of October 28, 2026.

Verdict

Revolut lands at 6.5 out of 10 in my scoring. That is not a damning score, but it is a middling one, and the reason is that the card does some things very well and some things rather badly. The everyday spending side is straightforward for an existing Revolut customer, the app ratings are strong, and the breadth of supported tokens is wide. Against that, the conversion and FX costs can climb quickly on the cheaper plans, the KYC and source-of-funds friction shows up in the complaints data, and the product is really only at its best for people who already live inside the Revolut app. If you are a Revolut user in the EU or UK who wants to spend from a crypto balance, the friction is low and the answer is probably yes. If you are looking for a crypto-first card, there are more focused products.

Who will they give you the card

The honest answer is that Revolut’s own pages do not give a clean country list. The product page describes availability in general terms, and the eligibility check is built into the app. Unofficial trackers, including CryptoCardHub’s August 2026 list, put the supported footprint at around 37 countries. That list includes most of the EU and EEA, the UK, Australia, Japan, Singapore, New Zealand, Switzerland, Norway and a scattering of others such as Brazil and Bulgaria. The 12 restricted countries named are Belarus, Canada, Cuba, India, Iran, Libya, Myanmar, North Korea, Russia, Sudan, Syria and the United States. A second aggregator summary puts the figure at 48-plus, which is a sign the precise count is unsettled; if your country is borderline, the only reliable way to know is to download the app and let the onboarding flow answer.

The other important rule is by plan, not by card. Standard, Plus, Premium, Metal and Ultra all offer the virtual card at no extra issuance fee, in older 2023 to 2024 fee-schedule PDFs. Physical cards follow a different cost curve, with Standard paid at roughly £4.99 or €5.50, Plus paid, Premium free express, and Metal and Ultra free priority, according to the same unofficial source. A replacement runs about £5 or €6 on Standard, Plus and Premium and more on Metal and Ultra.

KYC requirements are also not laid out clearly in the help-centre pages I read. The same third-party tracker says a full KYC is standard, meaning a government ID and possibly a selfie, and that source-of-funds declarations may be requested for larger crypto transactions. The EU customer-due-diligence rules cover name, address, date of birth, nationality and an ID document, a sanctions check, the purpose of the relationship and a politically-exposed-person check, and an institution that cannot complete that work must either refuse the relationship or end it. That is the legal backdrop; in practice, expect a verification step at sign-up and a second one if you start moving meaningful amounts in or out.

If you are a US resident, this card is not for you. If you are in one of the other restricted countries, it is also not for you. If you are in the EU or the UK, you will almost certainly pass the gate, and Pro and Business accounts cannot link the card.

How to get it

Getting a Revolut card starts with a Revolut account. The application flow is in the app; you download it, you register, you pass the identity checks, and once you are in, you can request a virtual card immediately. The physical card, if you want one, ships after that.

The card itself is described in the fee schedules as a virtual crypto card linked to a Revolut account. The card network and the settlement currency are not stated on the page I read, but the same unofficial tracker describes the product as a Visa or Mastercard prepaid debit, with the network depending on your region. That is consistent with how Revolut normally issues its cards.

Delivery and replacement costs vary by plan, as noted in the previous section: Standard is paid at roughly £4.99 or €5.50, Plus is paid, Premium ships free express, Metal and Ultra ship free priority, and replacements cost around £5 to £6 on the lower tiers, more on Metal and Ultra. Those are unofficial numbers from a third-party tracker, and the live numbers in the app may differ slightly.

KYC levels and what exactly is required are not spelled out in Revolut’s help-centre pages, and the trackers describe a full KYC plus a possible source-of-funds step for larger crypto amounts. My read is that sign-up is fast for a standard personal account and slower if you push large sums through or if your country is on a risk list.

Fees

The card’s headline price is the easy part. The harder part is what you pay when you actually use it. Let me walk through the costs, then the everyday scenarios.

Virtual cards are free on Standard, Plus and Ultra, per older fee schedules. The plan itself costs you something, though. Unofficial figures from CryptoCardHub (August 2026) put the monthly plan cost in the UK and EEA at Standard £0, Plus £3.99 or €2.99, Premium £7.99 or €7.99, Metal £14.99 or €13.99, and Ultra £55 or €60. A second aggregator summary gives a similar shape for the higher tiers.

There is an important wrinkle. Revolut’s own help page, in a German version I read, says there is no exchange fee for crypto transactions with the Revolut card, but fair-usage fees may apply depending on plan. The older fee-schedule excerpt I saw said Standard gets a £1,000-a-month allowance and then a 1% fee, Plus £3,000 and then 0.5%, and Premium, Metal and Ultra have no limit. A 2023 terms-of-service excerpt puts the crypto fee at 1.99% or £0.99, whichever is greater, on Standard and Plus. The numbers do not perfectly match across sources, and that itself is a warning: live fees can differ from older PDFs, and the help-centre language leans on the word “may.” Treat the table as the best third-party snapshot rather than a guaranteed quote, and verify in the app before you commit.

The official help-centre excerpt also says there is a limit of 100 crypto exchanges in any 24-hour period, with minimums and maximums depending on the coin. The unofficial tracker puts the figure at 200 per 24 hours, and at roughly £100,000 per single transaction. The official figure is the safer number to plan around.

The ATM allowance scales sharply with the plan, and that matters if you are planning to use the card for cash. Free withdrawals are £200 a month on Standard and Plus, £400 on Premium, £800 on Metal and £2,000 on Ultra, and then 2% above the cap. The unofficial daily ATM limit is £3,000. Crypto-card-specific ATM details are not stated publicly.

A few everyday scenarios to make the numbers real.

A coffee paid in your home currency, with the card drawing from a euro balance, costs nothing beyond the price of the coffee. There is no conversion, no FX markup, no card fee.

A coffee paid in a foreign currency, with the card drawing from a euro balance on a weekday on Standard, costs the Visa or Mastercard rate, no crypto conversion, but if you have used up your monthly allowance you will pay 1% on top. On a weekend, the same coffee costs the same rate plus a 1% weekend markup on Standard, 0.5% on Plus, nothing on Premium, Metal or Ultra.

A £50 ATM withdrawal on Standard costs nothing if you are still inside the £200 monthly free allowance (unofficial figures per third-party tracker). If you are past the allowance, the 2% fee would be £1 on the same withdrawal. The same withdrawal on Ultra is free up to £2,000 a month, and 2% after.

The fair-usage point is worth repeating. Revolut’s wording is “fair usage fees may apply.” That is not a guarantee of free conversions; it is a hint that heavy use will be charged. If you plan to spend heavily from crypto, the upper plans earn their monthly fee back through no-limit conversions and zero weekend markup.

Top up

Topping up the card starts with the Revolut app, and the design is that the card draws from a chosen account, with a fallback. The card can pull from a chosen crypto or fiat account, and the unofficial tracker says there are 250-plus tokens available for spending and 30-plus fiat currencies. That is a wide selection, and it means most users can pick a stablecoin or a major coin and have it route to the card.

The exact list of supported coins, networks and minimums is not stated in the help-centre pages I read. There is a help-centre note that limits are 100 crypto exchanges per 24 hours, with minimums and maximums that depend on the coin. Spend limits are not stated. The practical takeaway: open the app, look at the crypto section, and check the available tokens for your region before you commit.

Pro and Business accounts cannot link the card, per the caller’s note. That is a meaningful restriction if your Revolut account is a business account.

The third-party tracker also notes that the card can fall back across accounts if the chosen one is empty, which is a useful safeguard if a coin you are spending moves or is paused. On-chain network fees, like gas on Ethereum or bandwidth on Tron, are charged by the blockchain, not by Revolut, and they are paid in the network’s native token, so a wallet that holds only stablecoins on Ethereum with no ETH to pay gas will not be able to send.

The single hardest part of topping up a crypto card in general is getting the network right. Send USDC on the wrong network and the funds can be lost or stuck in a manual-recovery queue with no guarantee of return. Stablecoin issuers have warned about this for years. Circle, for example, lists USDC as natively supported on 38 networks (as of 16 September 2026), and stopped supporting USDC on Tron in February 2024. Tether’s USDT is on Ethereum, Tron, Solana, Polygon, Avalanche and others. The right move is to read the deposit screen in the app, copy the address and the network memo, and double-check both before you send.

Paying with it every day

The card is a virtual card by default. It can be added to Apple Pay and Google Pay, per the unofficial tracker, which is how most people will use it day to day. The app ratings back this up: the App Store rating is 4.8 out of 5 from around 140,000 ratings, and Google Play is 4.5 out of 5, per the same third-party snapshot. Trustpilot, separately, sits at about 4.6 out of 5 on one read and 4.5 out of 5 from around 425,000 reviews on another, both unofficial.

Rewards are not a strong suit. The unofficial tracker says Metal and Ultra earn 0.1% cashback in eligible European countries and 1% elsewhere, capped at roughly one month’s fee, and that Standard, Plus and Premium earn nothing. If you are choosing Revolut for the rewards, this is not the card. The cashback is a small rebate on the higher tiers, not a meaningful yield.

There is no public mention of app features specific to the crypto card, and no public mention of a dispute process in what I read. The broader Revolut app has standard payment-app features, and the company operates a 24/7 in-app chat in 100-plus languages. Some users, per the same third-party tracker, report that help with crypto issues can be slow.

The card runs on the standard card-payment rails, so a few things will affect you whether or not you spend from crypto. A merchant category code is a four-digit number that classifies a business, and MCC 7995 covers gambling; many issuers block that category by policy. 3-D Secure adds an identity check at checkout, and Visa’s brand is Visa Secure while Mastercard’s is Identity Check. The Address Verification Service is mostly a US, Canada and UK thing, and a card issued in another country can be declined for that reason. Some merchants also decline prepaid or foreign bank-identification numbers outright, because the BIN lookup tells them the card is foreign-issued. If you are using the card abroad, expect at least the occasional decline, and the same goes for foreign-issued cards at US merchants.

A declined authorisation can leave a hold on the funds for several days, typically up to seven, even though the transaction never went through. That is a feature of the card rails, not of Revolut.

What can go wrong

The reliability question is the one I would want answered before I added a meaningful amount of crypto to any card, and the data is mixed.

The app-store ratings are strong, and Trustpilot, depending on which snapshot you read, sits around 4.5 to 4.6 out of 5 from a very large number of reviews. That is a healthy score. The themes in the negative reviews are the ones that matter, though: account closures without a clear reason, hard-to-win fraud and chargeback cases, and a few specific reports of crypto deposits held for long periods. One r/Revolut post describes a crypto deposit held for more than two and a half months. The UK Financial Ombudsman has issued at least one decision on card payments to a crypto platform, DRN-5705456, which found no chargeback grounds in a scam case. That is a real data point about the limits of consumer protection on this rail.

A separate concern is the company itself. Revolut Ltd is the UK issuer, Revolut Bank UAB is the EU banking entity, and EU crypto is handled through Revolut Digital Assets Europe Ltd, a Cyprus-registered MiCA crypto-asset service provider. The UK PRA granted Revolut a UK banking licence in July 2024, reported in September 2024, with restrictions. The card is a payment product, but the crypto side sits under a separate licence, and that matters for what is protected if something goes wrong. E-money institutions safeguard customer funds by segregating them or insuring them, but those funds are not bank deposits and are not covered by deposit guarantee schemes.

Security features are not laid out in the help-centre pages I read. Standard payment-app safeguards, like app-based two-factor authentication, instant card freeze, spending limits, 3-D Secure confirmation and tokenised mobile wallets, are typical for the category and are likely present, but I cannot confirm specific settings from the pages I read.

Support is in-app chat, 24/7, in 100-plus languages, per the unofficial tracker, with the same caveat that crypto-specific help is sometimes slow. There is no published account-level priority support on the lower plans; Premium, Metal and Ultra get priority support, and Ultra has a dedicated callback line.

The category-level risks are worth knowing. Crypto transfers are typically irreversible, and a stolen private key has no built-in recovery, because the network cannot freeze or return the funds. Custodial platforms have a long history of failure: Mt. Gox, Coincheck, Ronin Network. Stablecoins can depeg; TerraUSD collapsed in May 2022, and USDC briefly lost its peg in March 2023 during the US banking crisis. Tether has said it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof. None of these are unique to Revolut, but they are the world the card lives in.

What to take instead

If Revolut is not the right fit, the comparison list gives me three alternatives to walk through with you, each with a different angle.

The International Visa Card is a US-issued Platinum Visa, virtual for now, and it pays in USD. It blocks residents or legal registrants of a long list of countries, including Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, and FATF grey-list countries are reviewed case by case. Purchases are blocked in North Korea, Cuba, Iran, Russia, Syria, Ukraine and Venezuela. The card has a one-time $5 issuance fee and no maintenance fee; plans are Classic free, Pro $9 a month and Max $19 a month. Card use in USD is free on all plans, and foreign-currency use costs the Visa rate plus 2% FX. You can deposit USDC or USDT into the USD account at 1:1 with no fee, and you can also deposit USD, EUR, SEPA, SWIFT and FedNow. There is no cashback. The two-percent FX is the live number to anchor on.

The UNi Card is a multicurrency Mastercard that spends from a UNi.Global account balance. There is no annual fee and no foreign-transaction fee, and assets are converted at live OTC rates with no hidden exchange fees. The card offers up to 3% spend-to-earn rewards. The source I read does not state funding, KYC or physical-versus-virtual, so the picture is incomplete.

Morse is the highest-scoring alternative, at 7.5 out of 10, and the structure is the most crypto-native. The card is fully virtual for now and is a Visa prepaid debit that spends from a Morse balance in any currency. Eligibility is by residence, not citizenship; the app is available in 140-plus countries for P2P, and local add and withdraw is in 70-plus. Closed-beta countries needing an invite code include American Samoa, Australia, Cape Verde, Guernsey, Hong Kong SAR China, Isle of Man, Japan, Jersey, New Zealand, Serbia, Singapore, Switzerland, Thailand, Türkiye, the United Kingdom and Western Sahara. The card is “available only in certain countries,” and the list is in the app, not on the card page. Issuance and monthly fees are not stated, beyond “fees may apply” in the cardholder agreement. Foreign-exchange fees and markups are zero, and conversions use the real exchange rate; paying with the card online and contactless is free. You can fund by debit card, stablecoin transfer or account details in USD, EUR, MXN and COP, with BRL needing a Brazilian CPF. USDC, USDG and EURC on Solana are free to deposit; other tokens and blockchains carry a fee, and Bitcoin, USDT, Ethereum and other tokens can be deposited. The Morse Wallet is self-custodial. Rewards are not stated on the card pages, though the help centre has an “Earn rewards” collection that I did not read in detail.

The short version: if you want a simple USD-anchored card with a low FX markup and you live outside the International Visa Card’s restricted list, that is the cleanest fit. If you want zero FX fees and a self-custodial wallet, Morse is the most crypto-native. If you want no annual fee and a multicurrency Mastercard with up to 3% rewards, UNi is worth a look, with the caveat that the source data is thin.

Who I would recommend it to

If you are already a Revolut user in the EU or the UK, this is a low-friction way to add crypto spending to an app you already use. The virtual card is free, the token list is wide, the app is solid, and the conversion cost is predictable on Premium, Metal and Ultra. The upgrade math is straightforward: if you spend more than £1,000 a month from crypto on Standard, the Plus plan’s £3.99 or €2.99 monthly fee (unofficial figures per third-party tracker) earns itself back through the higher allowance and lower weekend markup.

If you are not already a Revolut user, the calculus is different. You are adopting a full payment app to access one feature, and the cheaper plans carry real conversion and weekend costs. A pure crypto card like Morse, with zero FX markups and a self-custodial wallet, may fit your needs better, especially if you care about holding your own keys.

If you are in the US, Canada, India or one of the other restricted countries, this card is not an option, and you should not try to work around it. The restrictions are there for legal and regulatory reasons, and the official route is to look for an alternative.

If you care about rewards, Revolut is not where you will find them. The cashback is a small rebate on Metal and Ultra only, and it is capped at roughly one month’s fee. If you want a card that pays you to spend, the International Visa Card or UNi will be more rewarding.

If you care about consumer protection, set your expectations honestly. The Trustpilot picture is healthy, but the recurring complaint themes are account closures, slow disputes, and limited chargeback help. A prepaid crypto card is not a credit card, and the protections that come with credit cards, like US Regulation Z rights, do not automatically apply. Read the small print on disputes before you put a meaningful balance on the card.

My overall take: 6.5 out of 10 is the right score. The card does what it says for the audience it is built for, and it does not pretend to be more than that. The strongest case for it is the existing-Revolut-user case; the weakest case is the standalone-crypto-card case.

Frequently asked questions

What is the Revolut card?

The Revolut card is a payment card, virtual by default with an optional physical version, linked to a Revolut account. It can spend from a crypto balance in addition to fiat balances, and it is available as a virtual card on Standard, Plus, Premium, Metal and Ultra plans at no extra issuance fee.

How does the Revolut card work?

The card draws from a chosen crypto or fiat account in the Revolut app, with a fallback to other accounts. At the point of sale, the crypto holding is converted and the card pays in the merchant’s currency. Conversions are subject to plan-based fees and a weekend markup on lower tiers.

Is Revolut a bank?

Revolut operates a UK banking subsidiary under a PRA banking licence granted in July 2024 with restrictions, and an EU bank, Revolut Bank UAB. The crypto side in the EU is handled through Revolut Digital Assets Europe Ltd, a MiCA crypto-asset service provider in Cyprus. Revolut e-money funds are not the same as bank deposits and are not covered by deposit guarantee schemes.

Who owns Revolut?

Revolut Ltd is the UK company, with Revolut Bank UAB as the EU banking entity and Revolut Digital Assets Europe Ltd as the EU crypto-asset service provider. Regional partner banks handle issuance in some other markets. The ownership structure of the parent company is not publicly described.

Is the Revolut card available in my country?

The card is officially available depending on country and plan, and unofficial trackers put the supported footprint at around 37 countries, including the EU, the UK, Australia, Japan, Singapore, New Zealand, Switzerland, Norway and others. The US, Canada, India and several sanctioned states are excluded. The only reliable check is the app’s onboarding flow.

How do I get a Revolut card?

You download the Revolut app, register, pass the identity checks, and request the virtual card from inside the app. A physical card, if you want one, ships after that, with delivery cost depending on your plan.

Does the Revolut card require KYC?

The help-centre pages do not state the KYC requirements clearly, but third-party trackers describe a full KYC with a government ID and possibly a selfie, and a possible source-of-funds step for larger crypto transactions. EU customer-due-diligence rules require the institution to verify name, address, date of birth, nationality and ID, run a sanctions check and assess PEP status.

How do I top up the Revolut card?

You top up by funding the linked Revolut account through a chosen crypto or fiat account, with a fallback across accounts. The unofficial tracker says 250-plus tokens and 30-plus fiat currencies are supported. Pro and Business accounts cannot link the card.

Is the Revolut card free?

The virtual card is free on Standard, Plus and Ultra. The Standard plan has no monthly fee, but it carries a 1% conversion fee above £1,000 a month and a 1% weekend FX markup. Plus is £3.99 or €2.99 a month, Premium £7.99, Metal £14.99 or €13.99, and Ultra £55 or €60 (all unofficial figures per third-party tracker).

Is the Revolut card safe?

The app-store and Trustpilot ratings are strong, and the card runs on standard payment-app rails with 3-D Secure. The risk themes in user reviews are account closures without clear reasons, slow dispute resolution, and limited chargeback help. Crypto transfers are typically irreversible, and prepaid-card protections should not be assumed.

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