Standard
- Cashback
- None
- Card material
- Standard plastic
- FX free limit
- £1,000/month
- ATM free
- £200/month
- Issuance fee
- Delivery fee (~£4.99/€5.50)
- Requirements
- None
- Basic multi-currency accounts
- Budgeting tools
- Crypto trading/spending
DeFi maxiRevolut Ltd (UK), Revolut Bank UAB (EU), regional partner banks elsewhereboth● Live
Revolut Crypto Card
Custodial Visa/Mastercard prepaid debit card with real-time conversion of 250+ cryptocurrencies at point-of-sale.
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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Best for
Users wanting to spend 250+ cryptos with a licensed, custodial institution.
Skip if
You require self-custody or live in the United States.
Network
both
Custody
custodial
KYC
full
Max cashback
1%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Spend from a balance of 250+ cryptocurrencies.
- FCA registered and MiCA licensed via CySEC.
- 0% weekend FX markup on Premium+ plans.
- Supports Apple Pay and Google Pay.
Watch outs
- 1% fair usage fee on Standard plan.
- Cashback only on Metal/Ultra plans (£14.99+/month).
- Premium+ tiers have 0% weekend FX markup and no fair usage fees.
- Cashback on Metal/Ultra plans capped at the monthly fee (£14.99+).
- Standard plan has a 1% fair usage fee above £1,000/month.
Basic information
The Revolut Crypto Card is a Visa/Mastercard prepaid debit card integrated into the Revolut financial app. It allows users to spend from their cryptocurrency balance in real-time at the point of sale, automatically converting crypto to fiat currency for the transaction. The card is available across five subscription tiers, from a free 'Standard' plan to a premium 'Ultra' plan, with increasing benefits and fees. It supports over 250 cryptocurrencies. Crypto services are not available to US customers.
- Card Type: Visa/Mastercard Prepaid Debit
- Key Feature: Real-time conversion of 250+ cryptocurrencies at point of sale.
- Availability: Available in the EEA, UK, Switzerland, Australia, and other regions. Crypto services are disabled for US customers.
- Card Tiers: 5 tiers (Standard, Plus, Premium, Metal, Ultra)
Fees
Revolut's fees vary by subscription tier. Crypto card payments use Revolut's exchange rate (with a variable spread) and count towards a monthly exchange allowance. Exceeding this allowance on Standard/Plus plans incurs a fair usage fee.
| Fee Type | Standard | Plus | Premium | Metal | Ultra | | :--- | :--- | :--- | :--- | :--- | :--- | | Monthly Fee (UK) | £0 | £3.99 | £7.99 | £14.99 | £55 | | Monthly Fee (EEA) | €0 | €2.99 | €7.99 | €13.99 | €60 | | Weekend FX Markup | 1% | 0.5% | 0% | 0% | 0% | | Exchange Allowance | £1,000/mo | £3,000/mo | Unlimited | Unlimited | Unlimited | | Fair Usage Fee | 1% (over limit) | 0.5% (over limit) | None | None | None | | ATM Withdrawals | £200/mo free, then 2% | £200/mo free, then 2% | £400/mo free, then 2% | £800/mo free, then 2% | £2,000/mo free, then 2% |
Spending & ATM 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
Features
- Real-Time Conversion: Spend 250+ supported cryptocurrencies directly without manual pre-conversion.
- Global Acceptance: Accepted at millions of merchants worldwide that accept Visa or Mastercard.
- Tiered Plans: Five subscription tiers (Standard, Plus, Premium, Metal, Ultra) with varying fees and benefits.
- Mobile Wallets: Compatible with Apple Pay and Google Pay.
- Card Formats: Physical (plastic or metal) and virtual cards available.
- Advanced Security: In-app card freezing, spending limits, location-based security, and disposable virtual cards (Premium+).
- Financial Ecosystem: Integrated with Revolut's multi-currency accounts, budgeting tools, and savings vaults.
Rewards
Cashback is only available on the top two paid subscription tiers. The maximum cashback earned per month is capped at the plan's monthly subscription fee. * **Standard/Plus/Premium Tiers:** No cashback. * **Metal/Ultra Tiers:** 0.1% cashback on purchases within eligible European countries and 1% cashback on purchases outside Europe. * **Cashback Cap:** Maximum monthly cashback is equal to the subscription price (e.g., £14.99 for Metal). * **Other Perks:** Higher tiers include benefits like travel insurance, airport lounge access, and higher interest on savings. * **Learn & Earn:** Educational modules that reward users with crypto.
| Tier | Rate | Up to |
|---|---|---|
| Metal | 1% | — |
| Ultra | 1% | — |
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.
Top-up & funding
- Crypto balance in Revolut app
Automatic conversion at purchase
Security & custody
- 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
Risk note. Crypto holdings are not government-insured. If the provider were to cease operations, users could lose access to their funds.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Plus
- Cashback
- None
- Card material
- Plastic with custom options
- FX free limit
- £3,000/month
- ATM free
- £200/month
- Issuance fee
- Paid
- Requirements
- £3.99/€2.99 monthly subscription
- Everyday protection insurance up to £1,000/year
- One junior account
- 0.5% weekend FX markup
- 0.5% fair usage fee after limit
Premium
- Cashback
- None
- Card material
- Premium plastic
- FX free limit
- Unlimited
- ATM free
- £400/month
- Issuance fee
- Free express
- Requirements
- £7.99/€7.99 monthly subscription
- Travel insurance
- Airport lounge access
- Disposable virtual cards
- Priority support
- Two junior accounts
- One free SWIFT transfer monthly
- 0% weekend FX markup
- No fair usage fee
Metal
- Cashback
- 0.1% in Europe, 1% outside Europe
- Card material
- 18g stainless steel
- FX free limit
- Unlimited
- ATM free
- £800/month
- Issuance fee
- Free priority
- Requirements
- £14.99/€13.99 monthly subscription
- All Premium perks
- Higher interest on savings
- Exclusive events
- Priority support
- Five junior accounts
- 0% weekend FX markup
- No fair usage fee
Ultra
- Cashback
- 0.1% in Europe, 1% outside Europe
- Card material
- Platinum-plated metal
- FX free limit
- Unlimited
- ATM free
- £2,000/month
- Issuance fee
- Free priority
- Requirements
- £55/€60 monthly subscription
- All Metal benefits
- Unlimited airport lounge access for member and guest
- Global eSIM data
- Premium subscriptions
- Extended insurance
- Concierge support
- 0% weekend FX markup
- No fair usage fee
Banking services
● Swift Transfers● Virtual Accounts
One free SWIFT transfer monthly for Premium tier and above. Multi-currency accounts allow holding balances in 30+ fiat currencies.
What users say
App Store
4.8/5.0 (140,618 ratings)
Google Play
4.5/5.0 (3,573,162 ratings)
Trustpilot
4.6/5.0 (254,511 ratings)
User feedback is generally positive regarding ease of use, seamless integration, and convenience
Risks & limitations
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 pressure
- RegulatoryCompany's need to comply with evolving regulations represents ongoing consideration for users
- SecurityCrypto holdings are not government-insured
Limitations
- majorCustodial model - users don't control private keys
- majorCrypto services (including Crypto Card) unavailable in the United States
- moderateCashback capped at approximately one month's subscription fee
- moderateLimited customer support for crypto-specific issues reported
- moderateFair usage fees apply when monthly exchange limits exceeded (Standard/Plus tiers)
- moderateAccount freezes during compliance reviews can restrict access
- minorSlight price difference compared to dedicated crypto exchanges due to embedded spread
- minorRevolut does not publish a fixed maximum spread for crypto exchange rates
- moderateNot all tokens can be withdrawn to external wallets
- minorSome merchant types may not accept prepaid cards (e.g., car rentals, pay-at-pump gas)
Roadmap
Recently shipped
- 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)
Best suited 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.
Our verdict
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.
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