The Revolut card in practice — who can get one, what it costs, and where it falls short

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Revolut crypto card is a virtual payment card that spends from the crypto and fiat balances inside your Revolut account. It is not a standalone crypto product you sign up for on its own — it is one feature of a much larger Revolut account, and that single fact explains most of what follows. If you already use Revolut for everyday banking in the EU or UK, the crypto card is a natural extension: you add a virtual card, link it to a balance, and spend. If you have no Revolut account and your real problem is that you cannot get an ordinary bank card at all, this review is going to be less useful to you, because Revolut itself runs the same kind of identity checks and account reviews any regulated provider does. I go through who gets the card, what it costs day to day, how you top it up, what can go wrong, and what to pick instead.

The conditions described here are current as of October 28, 2026.

Verdict: a 6.5 out of 10, aimed squarely at people already inside Revolut

The Revolut crypto card scores 6.5 out of 10 overall. That is a middling-to-decent score, not a glowing one, and it reflects a card that does a familiar job competently rather than something that opens a new door. The single most important thing to understand is who it is built for: existing Revolut customers in the EU and UK who already have the app, already pass the checks, and want to spend a crypto balance without selling it first. For them the card removes a real friction — you convert at the moment of purchase and the balance updates itself. For anyone else, it comes with the ordinary burdens of opening a regulated Revolut account in the first place, and those burdens are not smaller for being wrapped in a crypto product.

Let me break the score down by what each criterion is really measuring, so you can see where the strengths and the weaknesses sit.

The number to hold onto is the top-up score of 8 — it is the strongest part of the card, because spending from a balance you already hold, across a wide choice of tokens and fiat currencies, is exactly what the card is for. The everyday-use score of 6 is the weakest substantive one: this is a virtual card, which means no plastic in your hand and more friction at any shop that insists on a physical card. And the “who can get it” 6 is a reminder that country rules dominate everything else — before you read a single fee, you need to be somewhere Revolut serves.

Who it suits: EU and UK customers who already use Revolut, hold some crypto or a stablecoin balance they want to spend from, and are comfortable inside the Revolut app. Who it does not suit: anyone hoping this card sidesteps identity checks or country restrictions — it does not, it sits inside the same regulated account — and anyone who wants a physical card or an ATM-heavy routine without fuss.

Will they give you the card?

The short answer: it depends first on where you live and which plan you are on, and Revolut’s own public pages do not spell out a single clean eligibility list for the crypto card specifically. Availability is officially tied to the country and the tier. That is the honest answer from the card provider, and it is less precise than most people would like.

What third-party aggregators report (not confirmed by Revolut’s own pages) is that the crypto/card product is available in 37 countries: Australia, Austria, Belgium, Brazil, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the UK. A further 12 countries are restricted — meaning not available — including Belarus, Canada, Cuba, India, Iran, Libya, Myanmar, North Korea, Russia, Sudan, Syria, and the United States. This comes from an aggregator as of August 2026, and a second aggregator puts the figure differently, at 48+ countries, which tells you the lists are not settled facts but reasonable readings.

Two things this means for you in practice. First, the restricted list is not a formality — if you are resident in, say, the United States or India, this card is simply not a route to a crypto-spending balance here. Second, country availability is only the outer gate. The inner gate is whether Revolut will open and keep an account for you, which comes back to identity checks and account reviews below. I should say plainly once: the card’s public pages do not state, in one place, who exactly qualifies for the crypto card specifically — so treat any list, including the ones above, as guidance rather than a guarantee.

How to get it

There is no separate application for the crypto card, and that is the practical point. You open or already have a Revolut account, pass the checks that account requires, and then add a virtual card linked to that account. The card itself is a virtual crypto card — there is no mention of a network or currency being fixed to it in what the card’s own pages say, so it behaves according to the balances and settings inside your account rather than a single hard-wired network. Revolut’s fee schedules list virtual cards as free on Standard, Plus and Ultra.

What you will go through to get there: identity verification. The card’s public pages do not state the specific KYC (know-your-customer) requirements for the crypto card in a form I can quote, so here is what is reported unofficially by aggregators as of August 2026 — full KYC meaning a government ID and possibly a selfie, and source-of-funds declarations may be requested for large crypto transactions. That second point deserves emphasis for anyone planning to move meaningful sums: expect to be asked to explain where the money came from, and have records ready.

The physical side of the account — if you want plastic as well — is separate from the crypto card and priced separately. Unofficially (aggregator, August 2026): the Standard physical card is paid at around £4.99 / €5.50, Plus is paid, Premium is free with express delivery, and Metal/Ultra are free with priority delivery; a replacement card is roughly £5 / €6 on Standard/Plus/Premium and higher on Metal/Ultra. These are the prices reported by a third party, not a schedule confirmed on the card’s current pages, and they are for the standard Revolut physical card, not the crypto card specifically.

The one hard operational rule I can give you is a negative one: Pro and Business accounts cannot link the crypto card. If you have one of those account types, this card is not available to you regardless of country or tier.

Here is the short version of the whole process. First, confirm your country is one of the 37 available and not one of the 12 restricted. Second, open a Revolut account on Standard, Plus or Ultra and complete the identity checks. Third, if you are on Pro or Business, stop — this card will not link. Fourth, add the virtual crypto card (free on the tiers that include it). Fifth, fund a crypto or fiat balance inside the account and point the card at it. Each of these steps can be checked before you move any money, which is the order I would do them in.

Fees: what it really costs

The headline on cost is good news and then it gets more complicated. The good news: virtual cards are listed as free on Standard, Plus and Ultra — note that these figures come from older 2023–2024 fee schedule PDFs, and I have not read the current schedule, so treat “free” as strong but worth re-confirming on your own plan page. The complication is that using the card involves exchange activity, and exchange is where the money actually leaves your hands.

The card’s own help page (German version) states there is no exchange fee for crypto transactions made with the Revolut card, but notes that fair usage fees may apply depending on your plan. An older schedule spelled out how that works: the exchange limit was £1,000 per month on Standard, after which a 1% fee applies; £3,000 per month on Plus, after which 0.5% applies; and no limit on Premium, Metal and Ultra. The FX fee figure I did not read, so I cannot give you a number for it from the card itself.

What aggregators report unofficially (August 2026) lines up with that older schedule and fills in some gaps. Monthly plan fees for UK/EEA: Standard £0, Plus £3.99 / €2.99, Premium £7.99 / €7.99, Metal £14.99 / €13.99, Ultra £55 / €60 per month. Weekend FX markup: Standard 1%, Plus 0.5%, Premium/Metal/Ultra 0%. Fair usage fee: Standard 1% above £1,000 per month, Plus 0.5% above £3,000 per month. And a 2023 terms figure of a crypto fee of 1.99% or £0.99, whichever is greater, on Standard and Plus.

One more unofficial figure that matters if you use crypto heavily: a weekend exchange markup of 1% above £1,000 per month on Standard. The 2023 terms also put the crypto fee at 1.99% or £0.99 whichever is greater for Standard and Plus — that is a noticeably heavier number than the fair-usage percentages, and the two sets come from different years, so the current terms are what count.

Because “no exchange fee on card transactions” can be misread as “the card is free,” here is the same information laid out by line, mixing what the card states with what is reported unofficially and marked as such.

Now let me walk three everyday payments through that table, because that is where the fee structure actually bites.

Paying £30 of groceries in sterling, midweek, from a euro balance. The card converts euro to sterling. On a Premium, Metal or Ultra plan the weekend FX markup is 0%, so midweek conversion on those tiers carries no weekend premium; on Standard the 1% weekend markup would not apply midweek either, but the base FX fee is one I could not read from the card. If you are on Standard and this is within your monthly plan fee, the exchange itself is covered by the no-fee-on-card-transactions statement — so this is likely your cheapest common scenario, on the tiers with no plan fee or a low one.

Paying £30 of groceries in sterling over a weekend, from a euro balance. Here the weekend FX markup applies: 1% on Standard, 0.5% on Plus, 0% on Premium/Metal/Ultra. On £30 that is £0.30, £0.15, or £0 respectively. Small, but it is the difference between the plans and it recurs every weekend.

Converting or spending £1,200 of crypto in a month on Standard. This is the case that matters. Older terms: the exchange limit on Standard is £1,000 per month, after which a 1% fair usage fee applies — so £1,200 of exchange activity means £200 above the limit at 1%, £2.00. But if the 2023 crypto-fee term of 1.99% or £0.99 (whichever greater) applies to your plan instead, £1,200 of crypto spending would cost about £23.88, which is a very different picture. This is exactly the kind of thing you must confirm on your current terms before you rely on the cheaper reading.

I will not give you tax or legal advice here, and I am not going to tell you the fee figure to budget for — because the current terms are what govern and they are the thing to read. But the pattern to watch is clear: the card’s no-exchange-fee promise is generous within plan limits and thin beyond them, and the higher tiers exist precisely because the limits on the lower tiers are low.

Top up: how the card gets money

The mechanism is straightforward in concept, and this is the section where the card scores best. The card draws from a chosen crypto or fiat account, with fallback to other accounts if the chosen one is empty. Aggregators report unofficially (August 2026) that this covers 250+ tokens for spending and 30+ fiat currencies, though Revolut’s own public pages do not officially disclose which coins are involved. That unofficial figure is the single most attractive thing about the card: an unusually wide choice of what you can spend.

The mechanics of a top-up are worth understanding because they sit underneath all the fees above. When you send crypto to the card, you are usually sending on a specific blockchain network, and that network has to be one the provider supports. Network fees for your deposit — gas or bandwidth — are charged by the blockchain itself, not by the card provider, so they are a separate cost line from anything in the fee table. And blockchain transfers are generally irreversible: a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee. That is a general property of crypto transfers, not a flaw specific to Revolut, but it is the risk you are accepting every time you top up.

A caution on networks and coins: because the official coin list is not published on the card’s pages I could read, do not assume a particular token or network is supported until you have seen it in your own account. This is one of those places where “250+ tokens” is a marketing-shaped number and your specific asset is the thing that has to check out. The coins and networks for top-ups are not stated by the card’s public pages, so this is another area to verify yourself rather than take on faith.

Paying with it every day

This is where the “virtual” in virtual crypto card earns its keep and its limits. A virtual card is one you add to your phone and use through a wallet or online checkout — there is no plastic to slide into a terminal or an ATM. Unofficially, Apple Pay and Google Pay are supported, which is the intended way to use it day to day. If your routine is mostly online and phone payments, that is fine. If your routine involves physical card readers that reject virtual credentials, or cash withdrawals, you will feel the difference immediately.

Wallets and apps: Apple Pay and Google Pay support is reported unofficially. Note the mechanism behind them for context — Apple Pay replaces the card number with a device-specific Device Account Number stored in the phone’s Secure Element, never on Apple’s servers, and each payment uses a one-time dynamic security code. So adding the card to Apple Wallet, if your setup allows it, is a reasonable everyday path; I just cannot confirm the exact setup steps from the card’s public pages.

Rewards: unofficially, Metal and Ultra earn 0.1% cashback in eligible European countries and 1% elsewhere, capped at roughly one month’s fee; Standard, Plus and Premium get none. So the cashback is real but modest and mostly offsets the higher plan fee rather than generating money — worth doing the arithmetic against your own plan fee before paying £55/€60 a month for Ultra in the hope of earning more back.

App quality: reported unofficially as App Store 4.8/5 (140,618 ratings), Google Play 4.5/5, Trustpilot 4.6/5 — though Trustpilot is given elsewhere as ~4.5/~425K, so the two figures differ slightly. Either way, the app rating is high. Spending caps, freeze, and limits are the usual in-app controls and are worth using if you are worried about a compromised balance.

Where you can use it: anywhere a card is accepted in theory, but there are two practical snags for a crypto-linked card specifically. Some merchants decline prepaid or foreign-issued cards, because the merchant can look up the issuer’s BIN and see the card type and country. And for online purchases, a 3-D Secure check may challenge you with a one-time code or biometric. Address verification is mainly offered in the US, Canada and UK and is generally unavailable for foreign-issued cards, which can cause declines on online checkouts. These are general card-market realities, not Revolut quirks, but they are the kind of friction a virtual crypto card meets more often than an ordinary debit card would.

What can go wrong

The biggest risks here are not about the card mechanics — they are about the account around it. Complaints and reliability: reported user sentiment and news (not official incident records, which are not stated) include Trustpilot at roughly 4.5/5 from about 425K reviews, with recurring complaint themes of account closures without clear reasons, hard fraud and chargeback cases, and reports of a crypto deposit held for 2.5+ months. There is also a UK Financial Ombudsman decision, DRN-5705456, on card payments made to a crypto platform, where the payment was ruled a scam and there were no chargeback grounds. That decision is worth sitting with: it illustrates that paying a crypto platform by card, and then disputing it, is not a reliable path to getting money back.

Why accounts close is not really a mystery, and it is a general rule rather than a Revolut quirk: in the EU, if customer due diligence cannot be completed, rules require the institution to refrain from the transaction or relationship and, where necessary, end existing relationships. This is exactly why accounts get frozen or closed pending documents. Nationality is also screened separately from residence, because sanctions screening is often applied to citizenship and country of birth as well as to country of address. If you are a Revolut customer whose circumstances are unusual — a new country, a large crypto inflow, a politically exposed status — those are the triggers worth thinking about before you load a balance.

The company behind the card: reported unofficially, the issuer is Revolut Ltd (UK), Revolut Bank UAB (EU), with regional partner banks elsewhere, and EU crypto services run through Revolut Digital Assets Europe Ltd (Cyprus, a MiCA CASP). Separately, and via press/search rather than the card itself: the PRA granted Revolut a UK banking licence with restrictions in July 2024 (reported September 2024, a third-party summary I did not read in detail). What kind of entity stands behind your balance matters, because an e-money institution must safeguard customer funds by segregating or insuring them, and such funds are not the same as bank deposits and may not be covered by a deposit guarantee scheme.

Support: reported unofficially as 24/7 in-app chat in 100+ languages, with some users reporting limited help specifically on crypto issues. If a crypto deposit is the thing stuck, “limited help with crypto issues” is the theme to plan around — which means keeping your own transaction records and network details from the moment you send.

Reversibility and freezes, the general mechanics that catch people out: cryptocurrency transfers are typically irreversible and a stolen private key has no built-in recovery — the network cannot freeze or return funds. Declined authorisations may leave a hold on your funds for several days, typically up to 7. And card programmes can be wound down: in November 2022 Visa said it had “terminated our global agreements with FTX” and the FTX US debit card programme was wound down; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. Programme closures typically give notice, then stop spending and loading, then ask users to withdraw remaining balances. None of this is a prediction about Revolut — it is the category’s history, and it is the reason to keep your balance on the card small.

What to take instead

If the Revolut crypto card does not fit — wrong country, Pro/Business account, you want physical plastic, or you want fewer layers between you and your money — there are a few alternatives in this category worth weighing. They are not all equivalent to Revolut, and I include the scores so you can see where each one sits. Each is rated out of 10 like the card above.

International Visa Card — 6.7 / 10. A US-issued Platinum Visa card, virtual, paying in USD; the physical card is listed as “Coming soon”. Virtual issuance is $5 one-time with no maintenance fee; plans are Classic free, Pro $9.00/month, Max $19.00/month. Card use in USD is free on all plans; foreign currency costs the Visa exchange rate plus a 2% FX fee; deposits of any kind are free. You fund it by depositing USDC or USDT into the USD account at 1:1, with USD, EUR, SEPA, SWIFT and FedNow also accepted. No cashback is stated. On availability, it is not offered to residents or legal registrants of Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela or Vietnam, with FATF grey-list countries reviewed case by case with compliance approval; purchases are blocked in North Korea, Cuba, Iran, Russia, Syria, Ukraine and Venezuela. Note the rule is by residence or registration, not citizenship — and the 2% FX fee is heavier than Revolut’s top tiers but heavier than Revolut’s Standard weekend markup too.

UNi Card — 6.1 / 10. A multicurrency card on the Mastercard network, spending from the UNi.Global account balance. It has no annual fee and no foreign transaction fee, converts assets at live OTC rates, and states no hidden exchange fees. It offers spend-to-earn rewards up to 3%. On the gaps: who can get it is not stated, the physical/virtual form is not stated, the issuance fee is not stated, and how you fund it is not stated — so the marketing is clean but the practical details are thin, and I would want those answered before committing.

Whop Cards — 5.2 / 10. A Visa card that works anywhere Visa is accepted, spending from a Whop balance; a pending balance becomes usable as soon as a payment arrives, while standard withdrawals use settled funds, and it is backed by stablecoin collateral from a linked wallet. On the page it says “no extra fees”, but no issuance or monthly amounts are listed and no conversion or FX fees are stated. It offers 5% cashback at select merchants, currently Uber, with payout currency and conditions not stated. Availability is the widest of the three but US-only in practice: consumers in 31 US states, businesses in 41 states; unsupported consumer countries include Belarus, mainland China, Cuba, Hong Kong, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam. If you are outside the US this one is not a candidate.

So which alternative beats Revolut? On raw score, the International Visa Card at 6.7 edges Revolut’s 6.5 — but it is US-issued, USD-only, its physical card is not yet available, and its 2% FX fee is worse than Revolut’s top tiers for anyone spending in Europe. UNi at 6.1 offers cleaner fee promises but too few stated facts. Whop at 5.2 is a US-focused tool with a good cashback offer. For an EU or UK reader already on Revolut, none of these is obviously a better deal; the honest comparison is that Revolut wins on ecosystem and token choice, and the others win on stated simplicity.

Who I would recommend it to

I would recommend the Revolut crypto card to a specific person, and I want to be concrete about who that is. It is someone in the EU or UK who already has a Revolut account in good standing, holds a crypto or stablecoin balance they actually want to spend from, mostly pays by phone or online, and is comfortable with a virtual card and a fair-usage ceiling on the cheaper plans. For that person this is a genuinely good tool: a wide choice of tokens and fiat currencies to spend from (250+ and 30+, unofficially), a virtual card that is free on the relevant plans, and no exchange fee on card transactions within plan limits.

I would not recommend it, or would recommend looking elsewhere first, if any of these apply to you. You are resident in one of the 12 restricted countries — then it is simply not available. You hold a Pro or Business Revolut account — the card cannot link. You want a physical card as your main day-to-day instrument — this is a virtual card. You plan to move large crypto sums regularly and are on Standard or Plus — the monthly exchange limits (£1,000 and £3,000) are low, and above them a fair usage fee bites. You want to know exactly which coins and networks are supported from the official pages — that list is not published in a form I could confirm, so you would be taking it on trust. And you are someone for whom an account closure or a held deposit would be a serious problem — the complaint themes around exactly that are real and recurring.

My actual advice, if you are in the first group and reading this slightly unsure: try it with a small balance first. Keep the balance you load small, confirm in your own account which coins and networks it accepts, spend a little, and see how the exchange and any fair usage fee behave against your plan before you commit real money. That is not a trick to get around anything — it is just the sensible way to test a fee structure whose current terms you, not I, need to read.

Frequently asked questions

What is the Revolut card?

The Revolut card is a payment card linked to a Revolut account, and the crypto version of it is virtual and spends from a crypto or fiat balance inside that account. It is not a separate standalone product — it is one feature of the wider Revolut account, which is why you need an account and its identity checks first. Virtual cards are listed as free on Standard, Plus and Ultra plans.

How does the Revolut crypto card work?

You choose a crypto or fiat balance inside your Revolut account for the card to draw from, with fallback to other accounts if it is empty. When you pay, the amount is converted from your balance and the card behaves like a prepaid card spending a stored balance. Unofficially, that covers 250+ tokens for spending and 30+ fiat currencies.

Is Revolut a bank?

Partly. Unofficially, the issuer is Revolut Ltd in the UK and Revolut Bank UAB in the EU, with regional partner banks elsewhere, and EU crypto services run through Revolut Digital Assets Europe Ltd in Cyprus. The PRA granted Revolut a UK banking licence with restrictions in July 2024, reported September 2024. Which entity holds your balance matters, because safeguarded funds are not bank deposits.

Do I need KYC to get the Revolut card?

Yes, in practice — you cannot open or use a Revolut account without identity verification, and the crypto card lives inside that account. The card’s public pages do not state the specific requirements for the crypto card, but aggregators report full KYC meaning a government ID and possibly a selfie, with source-of-funds declarations possible for large crypto transactions.

How much does the Revolut card cost?

Virtual cards are listed as free on Standard, Plus and Ultra, though those figures come from older fee schedules. Unofficially, monthly plan fees are Standard £0, Plus £3.99/€2.99, Premium £7.99/€7.99, Metal £14.99/€13.99, Ultra £55/€60. The card states no exchange fee on card crypto transactions, but fair usage fees may apply by plan.

Can I use the Revolut card in my country?

Availability officially depends on country and tier, and the card’s public pages do not give one clean eligibility list. Unofficially (August 2026), the product is available in 37 countries including the EU, UK, Australia, Japan, Singapore and New Zealand, and restricted in 12 including the United States, India, Canada and Russia. Check your country against those lists before anything else.

What are the Revolut card’s limits?

The card’s help page excerpt gives a limit of 100 crypto exchanges per 24 hours, with minimum and maximum amounts depending on the coin. Unofficial figures report a single transaction around £100,000 and 200 exchanges per 24 hours, which contradicts the official 100. Spend limits are not stated. Exchange limits by plan are £1,000/month on Standard and £3,000/month on Plus.

Are there ATM fees on the Revolut card?

ATM fees apply beyond a monthly allowance, per an older Revolut schedule excerpt, but crypto-card-specific ATM terms are not stated. Unofficially, withdrawals are free up to £200/month on Standard and Plus, £400 on Premium, £800 on Metal and £2,000 on Ultra, after which a 2% fee applies, with a daily ATM limit of £3,000.

Is the Revolut card safe?

It is a regulated product inside a large platform, with the usual safeguards — app-based 2FA, instant card freeze, spending limits, 3-D Secure and tokenised mobile wallets. The real cautions are account-level: complaint themes include account closures without clear reasons, hard fraud and chargeback cases, and reports of a crypto deposit held over 2.5 months. Keep loaded balances small.

Can I add the Revolut card to Apple Wallet?

Unofficially, Apple Pay and Google Pay are supported, and a virtual card is the kind of credential those wallets are built for. The card’s public pages do not state the setup steps, so I cannot confirm them from official material. Keep in mind that adding it makes everyday spending smoother but does not change the fees described above.

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