Revolut Card [EU]
- Unlimited daily spend
- Generous ATM withdrawal limit
- Card Design you'll want to show off
- Tiny 0.1% cashback for transactions in Europe
- No rewards for the free tier
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Enabled |
| 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 Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom |
| Supported Cryptocurrencies | 1INCHAAVEACHADAAGLDALGOAMPANKRAPEAPI3APTARPAATOMAUDIOAVAX |
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 Card | Industry Average1 | |
| Entry Level Cashback | 0% | 1% |
| Entry Level Cashback Monthly Cap | 0 EUR | 35 EUR |
Revolut Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- LT
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 30% 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 Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set 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.
The back of Revolut Card
| Card Issuer | Revolut |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 41659846 |
| Validity Period | 5 years |
| Issuing Country | Lithuania |
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 to Fiat Conversion Fee | 1.49% |
| Sell Spread | ~1.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.99% |
High Cost:Compared to the average ~1.8% 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 #3 out of 63 amongst all the crypto cards we have reviewed so far. This means it's in the Top 10%.
We compared Revolut Card with 42 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 42 competitors:
- Has Unlimited daily spend allowance, a rarity in the industry (other cards have 25,000 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 brand authority 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 7.6/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
Weakest Features Against Competitors
Compared to its 42 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 ~4.6% 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 ~1.8% with other cards.)
Revolut Card [EU] vs. Gnosis Card vs. Nexo Card
Revolut Card
|
Gnosis Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.99% | 0% + Gas Fees | ~0.75% |
| Highest Cashback | up to 1% | up to 5% | up to 2% |
| Entry-Level Cashback | 0% | 2% | 0.5% |
| Daily Spending Limit | Unlimited | 8,000 EUR | 10,000 EUR |
| Daily ATM Limit | 3,000 EUR | 500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 1% | 0% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 120 | 2 | 86 |
| Apple Pay | Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Well-Known | Growing | Well-Known |
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 Gnosis 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. Out of the three, Gnosis Card offers the best cashback rewards of up to 5%. The cashback rewards for Revolut Card and Nexo 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:
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:
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 Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~12.8 EUR (6.4% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~20.6 EUR (10.3% of 200 EUR) | ~18.4 EUR (9.2% 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:
| Chat | https://apps.apple.com/us/app/revolut-send-spend-and-save/id932493382 |
| support@revolut.com | |
| https://twitter.com/RevolutApp |
Location: Revolut customer service reps are located in 
India, 
Portugal and 
Poland.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 7.2/10.
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 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Informative Indeed. What's My Next Step?
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.
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