Revolut Card Review 2026

Revolut's crypto card is not a separate plastic. It is the ordinary Revolut card linked to a crypto balance, and when you pay, Revolut converts the crypto into the fiat amount at that moment. Revolut X, the exchange-style interface, is not a card at all, only another view of the same balance. The crypto sits custodial with Revolut, so you never hold the private keys to the balance you spend, and each crypto-funded purchase is a disposal that can be a taxable event where you live.

The fee that decides the deal is that conversion. Revolut's Cryptocurrency Terms say a card payment from a crypto balance "will not be subject to minimum or percentage-based fees": you pay Revolut's exchange rate at the moment of the transaction, so the cost is the spread inside that rate. Currency exchanges elsewhere in the account carry a fair-usage fee of 1% on Standard or 0.5% on Plus above the plan's monthly limit, plus a weekend exchange fee at the same rates; Premium, Metal and Ultra pay neither.

The UK plan table sets the weekday limit at £1,000 a month on Standard and £3,000 on Plus, while its footnote gives a combined £1,000 for currency, crypto and commodities. In the UK, Standard is free, Plus £3.99 a month, Premium £8.99, Metal £16.99 and Ultra £60.

There is no cashback on the personal card (only the separate Revolut Pro freelancer card pays 0.4% to 1%): spending earns RevPoints, redeemable for travel perks such as air miles and Stays discounts, at 1 point per £10 on Standard and Plus, per £4 on Premium, per £2 on Metal and per £1 on Ultra in the UK, so the first sum to do is whether those points are worth a paid plan. Free UK ATM withdrawals run from £200 a month on Standard to £2,000 on Ultra, then 2% with a £1 minimum.

The account is sold in the UK, all 30 EEA states, Switzerland, the US, Australia, Brazil, Japan, New Zealand and Singapore, and crypto spending works only where Revolut treats your location as eligible.

Best fit

existing Revolut users who occasionally want to spend a crypto balance from a bank app they already trust

Wrong card if

you want self-custody, exchange more than £1,000 a month on the Standard plan, or want a purchase that isn't a taxable event