Revolut Card Review 2026

Revolut's crypto card went live May 18, 2026, when it shipped its first physical card: a Dogecoin-themed piece with an LED that lights up when you tap to pay. Fun hardware, ordinary economics. The crypto sits custodial with Revolut, so you never hold the private keys to the balance you spend, and every card purchase counts as a taxable disposal, a capital-gains event you settle later. Acceptance is wherever Visa and Mastercard run. Top-up is your in-app crypto balance, converted at the point of transaction. The fee that decides the deal is that conversion rate, tiered by plan and 30-day volume: Standard and Plus open at 1.49% (dropping to 0.49% above £250k), Premium and Metal at 0.99%, and only Ultra reaches 0.49% down to 0% at high volume. Ultra costs £55/mo introductory in the UK; Standard is free, Plus £3.99, Premium £7.99, Metal £14.99. Revolut says physical-card spend carries no extra exchange fee beyond that point-of-transaction rate, so read the cost as the embedded spread, not a flat stamp on each tap. Rollout covers the UK and EEA, minus Hungary, Switzerland, and Portugal. 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, cheap conversions without paying £55 a month, or any purchase that isn't a taxable event.