Revolut Card [EU]

#2 (out of 51) in Crypto Cards
#3 (out of 37) in Crypto Cards for Europe
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8.2
Overall Rating
CRITERIA:
Company Strength
9.5
Fee Structure
5.4
Customer Service
9.7
PROS:
  • Unlimited daily spend
  • Generous ATM withdrawal limit
  • Card Design you'll want to show off
CONS:
  • Tiny 0.1% cashback for transactions in Europe
  • No rewards for the free tier
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost

~2.99%

Highest Cashback

up to 1%

Entry-Level Cashback

None

Entry-Level Cashback Monthly Cap

0 EUR

Daily Spending Limit

Unlimited

Daily ATM Withdrawal Limit

3,000 EUR

Foreign Exchange Fee

1%

Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (31)
Supported Cryptocurrencies1INCHAAVEACHADAAGLDALGOAMPANKRAPEAPI3APTARPAATOMAUDIOAVAXAXSBALBANDBATBCHBICOBITBLZBNTBONDBTCCELOCELRCHZCLVCOMPCOTICROCRVCTSICVCDASHDOGEDOTEGLDENJENSEOSETCETHFARMFETFIDAFILFLOWFLRFORTHFTMGALGMTGODSGRTGSTHBARHFTICPIDEXIMXINJJASMYKAVAKNCKSMLCXLDOLINKLPTLRCLTCMANAMASKMATICMINAMKRMLNNEARNKNNMROCEANOGNOMGOPOXTPERPPOLSPONDQNTRADRARERENREQRLCRNDRSANDSHIBSKLSNXSOLSPELLSTORJSTXSUSHISYNTRBTRUUMAUNFIUNIUSDCXCNXLMXRPXTZYFIZRXShow All (120)
Say hello to your wallet's new bestie: the Revolut card. You're gonna love it.

Say hello to your wallet's new bestie: the Revolut card. You're gonna love it.

Revolut Card Benefits and Rewards – for Europe

Here are the benefits and rewards offered by Revolut for their EU-based cardholders:

Standard

Plus

Premium

Metal

Ultra

Monthly Cost 0.00 EUR 2.99 EUR 7.99 EUR 13.99 EUR 50.00 EUR
Exclusive Card Personalized Card Personalized Card Personalized Metal Card Platinum-Plated Card
Cashback
Exclusive Subscriptions
Travel Insurance
Airport Lounge Access Discounted Discounted Unlimited
Cashback on Hotels up to 3% up to 3% up to 5% up to 10% up to 10%
Crypto-to-Fiat Fee 1.49% 1.49% 0.99% 0.99% 0.49%

Cashback is available only for Metal and Ultra plan members, 0.1% for transactions within Europe, and 1% for everywhere else. Cashback has a monthly cap of 13.99 EUR for Metal card and 50 EUR for Ultra Card.

Ultra plan members have these exclusive subscriptions included with their card: Financial Times Digital Newspaper, WeWork Coworking Access (3 free Passes), NordVPN, Freeletics Personal Coach, Sleep Cycle Tracker, Tinder Gold Subscription, Picsart AI Design Tools.

Insurance benefits are offered for the purpose of travelling abroad, and they include travel medical insurance, rental car damage insurance, winter sports injury insurance, luggage loss insurance, and third-party injury liability insurance.

Cashback on Hotels only applies to accommodations booked via Revolut Stays (similar to Airbnb).

Reality Check While Revolut Card promotes up to 1% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0% cashback.

Are other cards more generous at base tier? Yes.

Revolut CardIndustry Average1
Entry Level Cashback0%1%
Entry Level Cashback Monthly Cap0 EUR15 EUR

Revolut Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • LT88 8888 8888 8888 8888
  • Lithuania flag IBAN Bank Account
  • in your name

With Revolut Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Lithuania-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.

Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Revolut, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.

It Comes in Both Physical and Virtual Forms

You can get Revolut Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits
Cost to Order:
8 EUR
Cost to Order:
0 EUR

You will find the physical Revolut Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

Very Cool:Revolut Card also offers a disposable version of the virtual card, which is a rare feature amongst crypto cards. This is a great way to protect your card details from being stolen and used for fraudulent transactions. If a fraudster gets ahold of your card details after you pay, they can't use it, because disposale cards are single-use.

Crypto-to-EUR Conversion Cost with Revolut Card

Revolut Card Converts Your Crypto on Demand

Revolut Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto
Crypto to Fiat Conversion Fee1.49%
Sell Spread~1.5%
Load Fee0%
Transaction Fee
0%
Total Crypto to EUR Cost~2.99%
EUR

High Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Revolut Card will cost you more (~2.99%). This means that you will get less EUR for your crypto when using this card.

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Revolut Card Compare to Other Crypto Cards?

Revolut Card ranks #2 out of 51 amongst all the crypto cards we have reviewed so far. This means it's in the Top 10%.

We compared Revolut Card with 36 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of Revolut Card against its 36 competitors:

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Has Unlimited daily spend allowance, a rarity in the industry (other cards have 10,500 EUR limit on average).
  • Provides a substantial ATM widthdrawal allowance of 3,000 EUR per day (average amongst other cards is only 500 EUR).
  • Supports 120 cryptocurrencies (while other cards support an average of 15).
  • Solid company with a 9.5/10 company strength score (the average for all competing cards is 6/10).
  • Their customer service is very good with a 9.7/10 score (others score only 7.5/10 on average).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
  • You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).

Weakest Features Against Competitors

Compared to its 36 competitors, here are the shortcomings of Revolut Card:

  • Offers up to 1% cashback (while other cards give an average of 4%).
  • Cost to withdraw cash from a local ATM is high at ~6.4% (comparing to the average of ~4.5% when withdrawing with other cards.)
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~2.99% (versus an average of ~1.7% with other cards.)
  • Revolut Card [EU] vs. Ledger CL Card vs. Nexo Card

    Revolut Card
    Ledger CL Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~2.99% ~2.25% ~0.75%
    Highest Cashback up to 1% up to 2% up to 2%
    Entry-Level Cashback 0% 2% 0.5%
    Daily Spending Limit Unlimited 15,000 EUR 10,000 EUR
    Daily ATM Limit 3,000 EUR 2,000 EUR 2,000 EUR
    Foreign Exchange Fee 1% 1.5% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 120 8 63
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Revolut Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Ledger CL Card and Nexo Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both Ledger CL Card and Nexo Card offer solid cashback rewards of up to 2%. The cashback rewards for Revolut Card are not as high.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Revolut Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Revolut Card:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-5.98 EUR
Revolut Crypto-to-Fiat Conversion Cost: ~2.99%
-3.88 EUR
Revolut ATM Withdrawal Fee: 2%, min 1 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
187.14 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Revolut Card will cost you a total of ~12.86 EUR (6.4% of 200 EUR), resulting in a final cash withdrawal of 187.14 EUR in hand.

Doesn't Revolut Card Offer Free ATM Withdrawals?

Yes, Revolut offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 3.88 EUR, reducing your local ATM withdrawal cost to around 8.98 EUR, compared to the standard cost of approximately 12.86 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Revolut Card, here's what it will look like:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-5.98 EUR
Revolut Crypto-to-Fiat Conversion Cost: ~2.99%
-3.88 EUR
Revolut Intl ATM Withdrawal Fee: 2%, min 1 EUR
-1.94 EUR
Revolut Foreign Exchange Fee: 1%
-1.94 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.88 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 179.38 EUR)

For an international withdrawal using your Revolut Card with an initial 200 EUR in ETH, you'll incur fees totaling ~20.62 EUR (10.3% of 200 EUR), leaving you with 179.38 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Revolut Card is more expensive for both local and international ATM withdrawals:

Cost with Revolut CardCost with Other Cards
Local ATM Withdrawals~12.8 EUR (6.4% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~20.6 EUR (10.3% of 200 EUR)~18.2 EUR (9.1% of 200 EUR)

From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested Revolut's Customer Support

We asked Revolut's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Revolut offers support via the following channels:

Chathttps://apps.apple.com/us/app/revolut-send-spend-and-save/id932493382
Emailsupport@revolut.com
Twitterhttps://twitter.com/RevolutApp

Location: Revolut customer service reps are located in India flagIndia, Portugal flagPortugal and Poland flagPoland.¹

Support Channel Our Interaction Score
Email
(replied in
3 min)
Auto-reply suggested to use the live-chat instead. Asked about ATM withdrawals. Gave a detailed and knowledgeable response.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10
Chat
(replied in
1 min)
Asked about disputing unauthorized transactions. Responded in 1 minute. Gave good answers, provided supporting links.
High Competence
Highly Personalized
Adequate English, Professional Tone
9.5/10
Twitter
(replied in
6 min)
They suggested to ask the question in live chat instead, for a faster reply. When asked about taxes and fees, agent emailed manually generated reports, quick and to the point.
High Competence
Somewhat Personalized
Adequate English, Professional Tone
9/10
Chat
(replied in
7 min)
Asked what their spread is when trading Bitcoin. Replied with great detail, full transparency in the range of spread %, very knowledgeable.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10
Chat
(replied in
12 min)
Asked a question on card denomination currencies. Initial agent didn't know the answer, so he transferred the chat to another agent which then gave a detailed response.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10

To summarize,

Competence and Problem-Solving: Revolut's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

Customer Love: Revolut's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.

Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 6 minutes, significantly saving your time.

Overall Customer Service Rating: 9.7/10

This excellent score places Revolut's Customer Service well above the crypto card industry average of 7.5/10.

Is Revolut Card Available for Residents of United States?

No, Revolut Card is not available for residents of United States.

Revolut Card [EU] supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Excellent. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
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