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Cash App vs Revolut: Which is better in 2026? Cash App is a US-focused financial platform offering peer-to-peer payments, Bitcoin trading, Lightning Network payments, stablecoin support, and AI-powered budgeting—all with zero monthly fees and up to 3.5% APY through Cash App Green. Revolut is a global fintech super-app serving 65+ million customers across 48+ countries with multi-currency accounts, 100+ crypto assets, EU banking license, and comprehensive financial services starting from $0-$16.99/month. Cash App wins for US Bitcoin users seeking simplicity and zero fees; Revolut wins for international users needing multi-currency banking and diverse crypto trading.
| Feature | Cash App | Revolut |
|---|---|---|
| Founded | 2013 (Block, Inc.) | 2015 (London, UK) |
| Global Users | 58 million (US-focused) | 65+ million (global) |
| Countries Served | United States only | 48+ countries |
| Supported Currencies | USD only | 36+ currencies (transfers), 120+ (spending) |
| Monthly Subscription | $0 (completely free) | $0-$16.99/month |
| Crypto Assets | Bitcoin + stablecoins (USDC) | 100+ cryptocurrencies |
| Lightning Network | Yes (merchant payments in BTC using USD) | No |
| Stablecoin Support | Yes (send/receive with auto USD conversion) | Yes (1:1 USDC conversions) |
| AI Assistant | Moneybot (agentic AI for budgeting/trading) | Basic chatbot |
| Savings APY | Up to 3.5% (Cash App Green) | Up to 4.0% (Ultra plan) |
| Send Limit | $7,500/week (verified users) | $50,000/transaction |
| Banking License | Money transmitter (state licenses) | Full EU banking license + pursuing US standalone license |
| Crypto Staking | No | Yes (DOT, KSM, POL zero-fee staking) |
| Company Valuation | Part of Block, Inc. (~$30B market cap) | $75 billion (November 2025) |
What Is Cash App?
Cash App is a mobile-first financial platform developed by Block, Inc. (formerly Square), launched in October 2013. With 58 million users and over $283 billion in annual transaction volume, Cash App has become the dominant peer-to-peer payment app in the United States, particularly popular among Gen Z and millennial users.
Cash App's massive November 2025 update—dubbed "Cash App Fall Release"—introduced 151 new features, making it the platform's largest expansion since launch. Current features include: instant peer-to-peer payments via $Cashtag, personalized Visa debit card (Cash Card) with customizable designs and cash-back boosts, direct deposit with early paycheck access (up to 2 days early), Bitcoin buying/selling with on-chain withdrawals and Lightning Network merchant payments, stablecoin support (USDC send/receive with automatic USD conversion launching early 2026), fractional stock investing, Moneybot AI assistant for automated budgeting and trading, Cash App Borrow micro-loans up to $500 (available in 48 states with 5% flat fee), teen accounts with parental controls, tax filing through TurboTax integration, and Cash App Green—a premium banking tier offering up to 3.5% APY, overdraft coverage up to $200, fee-free ATM access, and priority support based on spending activity ($500+ card spending or $300+ paycheck deposits) rather than monthly subscription fees.
What Is Revolut?
Revolut is a global fintech company headquartered in London, founded in 2015 by Nik Storonsky and Vlad Yatsenko. As of February 2026, Revolut serves 65+ million customers across 48+ countries, employs over 10,000 people globally, and was valued at $75 billion following its November 2025 funding round—making it Europe's most valuable private technology company. Revolut reported record £3.1 billion in revenue and £790 million in net income for 2024, confirming its status as a profitable, scale financial institution.
Revolut operates as a licensed bank in the EU (Bank of Lithuania/ECB) and received its UK banking license in late 2024 (currently in mobilization period). In January 2026, Revolut abandoned its US bank acquisition strategy and is now pursuing a standalone "de novo" banking license from the Office of the Comptroller of the Currency (OCC) under the Trump administration, believing this path will be faster than acquiring an existing bank while maintaining its digital-only model without physical branches.
The platform offers multi-currency bank accounts supporting 25+ fiat currencies, debit and credit cards, real-time currency exchange at interbank rates in 36+ currencies, spending in 120+ currencies worldwide, stock trading (US and European markets via DriveWealth), cryptocurrency trading for 100+ tokens through Revolut X platform, crypto staking with zero fees (DOT, KSM, POL via November 2025 Polkadot integration), personal loans up to £50,000, buy-now-pay-later (BNPL), travel and device insurance, business banking with multi-currency accounts, and advanced budgeting tools with spending analytics. Recent expansions include plans to launch in Mexico and India during 2026.
Cash App vs Revolut: Comprehensive Fee Comparison
Cash App maintains a zero-fee model for core services, while Revolut uses a freemium subscription model with paid tiers unlocking premium features. Both platforms significantly undercut traditional banks, but their fee structures target different user bases.
| Fee Type | Cash App | Revolut |
|---|---|---|
| Monthly Subscription | $0 (completely free) | $0 (Standard), $9.99 (Premium), $16.99 (Metal/Ultra) |
| Peer-to-Peer Transfers | Free (domestic USD) | Free (between Revolut users globally) |
| Instant Deposit Fee | 0.5%-1.75% (min $0.25) | Free within Revolut ecosystem |
| Currency Exchange | Not available (USD-only platform) | Interbank rate (free up to monthly limits); 0.5%-1% weekend markup |
| ATM Withdrawals | $2.50 out-of-network; free with Cash App Green | Free in-network; fees after monthly limit ($200-$800 depending on plan) |
| International Wire Transfers | Not supported (stablecoins launching early 2026) | Free between users; $5-15 for external bank transfers |
| Credit Card Funding | 3% (Cash Card funding only) | Not supported (debit cards only) |
| Bitcoin Trading Spread | ~1.5%-2.5% spread; zero fees for Auto Invest | 1.49% (Standard); 0.99% (Premium); 0.75% (Metal/Ultra) |
| Altcoin Trading | Not available | 1.49%-0.75% spread (plan-dependent); lower fees on Revolut X |
| Crypto Staking Fees | Not available | 0% fees (DOT, KSM, POL) |
| Stock Trading | $0 commissions (US stocks) | Free US stocks (limited trades on Standard); unlimited on paid plans |
| Savings Interest Rate | Up to 3.5% APY (Cash App Green) | Up to 4.0% APY (Ultra plan) |
| Lending Fees | 5% flat fee (Cash App Borrow) | Variable personal loan rates |
Fee winner: Cash App for US users; Revolut for international users. Cash App's completely free model with competitive 3.5% savings APY through Cash App Green makes it unbeatable for US-based users who don't need currency exchange. Revolut offers superior value for international users, especially on Premium ($9.99/month) or Metal ($16.99/month) plans that unlock fee-free currency exchange, higher savings rates, and unlimited stock trades.
Cash App vs Revolut: Money Transfers and Payments
Both platforms excel at digital payments but serve fundamentally different markets. Cash App dominates domestic US transfers with simplicity and zero fees, while Revolut specializes in global money movement across 48+ countries with multi-currency capabilities.
Cash App Transfer Capabilities
Cash App processes transfers using phone numbers, email addresses, or unique $Cashtag handles (e.g., $username). Transfer limits are $1,000 per 30 days for unverified accounts and $7,500 per week for verified users. Standard bank deposits arrive in 1-3 business days for free, while instant debit card deposits cost 0.5%-1.75% (minimum $0.25). The platform supports direct deposit with paychecks arriving up to 2 days early, and the November 2025 update introduced stablecoin transfers—launching early 2026, users will be able to send and receive USDC that automatically converts to USD in their Cash balance, enabling near-instant cross-border payments for crypto-native users and bypassing traditional payment rails like ACH and wire transfers.
Revolut Transfer Infrastructure
Revolut supports transfers up to $50,000 per transaction across 48+ countries using local payment rails (ACH in US, Faster Payments in UK, SEPA in Europe, UPI in India). Transfers between Revolut users are instant and free regardless of location or currency. For external bank transfers, Revolut leverages local clearing systems to minimize costs and delivery times. The platform provides unique usernames (@username), QR codes for in-person payments, scheduled recurring transfers, and supports 36+ currencies with real-time interbank exchange rates. Business accounts offer additional features like multi-user access, expense management, and integration with accounting software.
Winner: Revolut for global reach; Cash App for US simplicity. Revolut's $50,000 transfer limits, 48+ country coverage, and multi-currency support make it superior for international money movement. Cash App's $Cashtag system and instant domestic transfers excel for US users, with upcoming stablecoin support bridging the gap for crypto-savvy international users.
Cash App vs Revolut: International Banking and Currency Exchange
This represents the largest differentiation between the platforms. Revolut was purpose-built as a global financial platform; Cash App remains firmly US-domestic.
Cash App International Limitations
Cash App operates exclusively in the United States after shutting down its European "Verse" operations in August 2023. All transactions occur in USD only—there are no multi-currency wallets, foreign exchange capabilities, or international bank transfer options. The upcoming early 2026 stablecoin update will enable limited cross-border functionality through USDC transfers, but this requires recipients to have crypto wallet infrastructure and cannot substitute for traditional international banking services.
Revolut Global Banking Features
Revolut operates across 48+ countries with multi-currency accounts supporting 25+ fiat currencies (EUR, GBP, USD, CHF, PLN, RON, SEK, AUD, CAD, SGD, HKD, JPY, and others). Currency exchange uses real interbank rates Monday-Friday with small weekend markups (0.5%-1%) only when forex markets close. This represents massive savings versus traditional banks that typically charge 2%-5% in hidden exchange rate markups. Users can hold multiple currency balances simultaneously, spend in 120+ currencies worldwide, and withdraw cash from ATMs globally. The platform issues Visa/Mastercard debit cards that work internationally, making it ideal for digital nomads, frequent travelers, and businesses with cross-border operations. Recent security enhancements include real-time anti-scam call identification that detects fraud attempts during live phone calls.
Winner: Revolut (no contest). Cash App simply doesn't compete internationally. For anyone traveling abroad, sending money internationally, or managing multiple currencies, Revolut is the only viable choice between these platforms.
Cash App vs Revolut: Cryptocurrency Features and Trading
Both platforms have significantly expanded their crypto offerings, but serve different user types. Cash App focuses on Bitcoin adoption for mainstream users, while Revolut provides comprehensive crypto trading for diverse portfolios.
| Crypto Feature | Cash App | Revolut |
|---|---|---|
| Supported Assets | Bitcoin + stablecoins (USDC) | 100+ cryptocurrencies (BTC, ETH, SOL, DOT, ADA, etc.) |
| Trading Fees/Spreads | 1.5%-2.5% spread; 0% for Auto Invest DCA | 1.49% (Standard) to 0.75% (Metal/Ultra) |
| External Wallet Withdrawals | Yes (Bitcoin on-chain + Lightning Network) | Yes (select assets and networks) |
| Lightning Network Payments | Yes (spend USD, merchants receive BTC) | No |
| Stablecoin Features | Send/receive USDC with auto USD conversion (early 2026) | USDC trading with 1:1 USD conversion |
| Recurring Purchases (DCA) | Yes (zero fees via Auto Invest) | Yes (standard trading fees apply) |
| Crypto Staking | No | Yes (DOT, KSM, POL with 0% fees) |
| Yield/Earn Programs | No | Various earn products on select assets |
| Advanced Trading Platform | No (simple buy/sell only) | Revolut X (professional trading interface) |
| Crypto Debit Card Spending | No (USD conversion required) | Yes (spend crypto directly with real-time conversion) |
Winner: Depends on crypto strategy. Cash App's November 2025 Lightning Network integration is revolutionary—users can pay Bitcoin merchants using their USD balance while merchants receive Bitcoin, eliminating conversion friction. Combined with zero-fee Auto Invest dollar-cost averaging and on-chain withdrawals, Cash App offers the best Bitcoin experience for mainstream adoption. Revolut dominates for altcoin traders and diversified portfolios with 100+ assets, zero-fee staking on major proof-of-stake tokens, and Revolut X professional trading platform. For the lowest fees and widest selection, dedicated exchanges like Coinbase, Kraken, or Binance remain superior.
Cash App vs Revolut: Banking Services and Savings
Both platforms have evolved beyond payments into comprehensive banking alternatives, but approach financial services differently.
Cash App Green Banking Features
Cash App Green launched in November 2025 as a banking-style tier that unlocks premium features based on spending activity and app engagement rather than requiring monthly subscription fees. Users qualify by spending $500+ monthly with their Cash Card or depositing $300+ in direct deposits. Benefits include up to 3.5% APY on savings balances, fee-free ATM withdrawals nationwide, overdraft coverage up to $200, priority customer support, early direct deposit access (2 days early), and enhanced security features. Cash App also offers Cash App Borrow—micro-loans from $20-$500 available in 48 states with no credit check required, transparent 5% flat fee (not interest rates), four-week repayment terms, and 97%+ repayment rates demonstrating responsible lending practices.
Revolut Banking Infrastructure
Revolut operates as a fully licensed bank in the EU with deposit insurance, lending capabilities, and regulatory oversight. The platform offers savings accounts with up to 4.0% APY (Ultra plan), personal loans up to £50,000 with competitive rates, buy-now-pay-later for purchases, comprehensive travel insurance (medical, trip cancellation, device protection), budgeting tools with spending categorization and merchant analytics, and business banking with multi-user access, expense management, corporate cards, and accounting integrations. Revolut's subscription tiers scale progressively: Standard (free), Premium ($9.99/month), and Metal/Ultra ($16.99/month) with higher tiers offering increased savings rates, fee allowances, and premium features.
Winner: Tie with different strengths. Cash App Green's 3.5% APY with zero subscription fees is compelling for US savers, while Cash App Borrow provides accessible micro-credit with transparent 5% flat fees for short-term needs. Revolut offers broader banking services including personal loans, insurance, and business banking across multiple countries, making it more comprehensive for users needing full banking replacement.
Cash App vs Revolut: AI and Smart Features
Cash App significantly leads in AI-powered financial management following its November 2025 Moneybot launch, while Revolut focuses on advanced analytics and data visualization.
Cash App's Moneybot AI Assistant
Moneybot represents the first truly agentic AI assistant in consumer finance. Unlike traditional chatbots that respond to queries, Moneybot proactively analyzes spending patterns, identifies savings opportunities, creates personalized budgets, executes investment trades, and provides actionable financial advice—all within a single conversational interface. Users can instruct Moneybot to "save $200 by month-end" and the AI will automatically adjust spending categories, transfer money to savings, and monitor progress. The system integrates with Cash App's entire ecosystem, enabling automated stock purchases, Bitcoin dollar-cost averaging, and bill payment optimization based on natural language instructions.
Revolut's Analytics and Insights
Revolut provides sophisticated spending analytics with transaction categorization, merchant-level insights, budget tracking, and monthly spending reports. The platform offers real-time notifications for all transactions, spending limits by category or merchant, and detailed financial summaries. While not AI-powered at Moneybot's level, Revolut's analytics are more mature and granular than Cash App's traditional features, providing comprehensive visibility into financial habits across multiple currencies and countries.
Winner: Cash App for AI automation; Revolut for analytics depth. Moneybot's proactive financial management capabilities represent a significant innovation in consumer fintech, while Revolut's established analytics infrastructure offers superior visibility for complex financial situations.
Cash App vs Revolut: Stock Trading and Investment Features
Both platforms offer commission-free stock trading as an additional service, but with different market access and target audiences.
Cash App Investing
Cash App provides commission-free fractional stock trading for US-listed equities through Cash App Investing LLC (FINRA/SIPC member). Users can invest as little as $1 in any stock, access real-time market data, and set up recurring investments. The platform targets beginner investors with simplified interfaces, educational content, and integration with the broader Cash App ecosystem—users can fund stock purchases directly from their Cash App balance or set up automatic investments from direct deposits. Moneybot AI can also execute trades based on user instructions and financial goals.
Revolut Trading Platform
Revolut offers commission-free stock trading for both US and European markets through partnerships with DriveWealth and other brokers. Standard plan users receive limited free trades per month (typically 3), while Premium and Metal subscribers get unlimited commission-free trading. The platform provides access to fractional shares, real-time market data, and basic fundamental analysis tools. European users can trade local stocks (DAX, FTSE, CAC 40) that US-only platforms cannot access.
Winner: Revolut for market access; Cash App for AI integration. Revolut's European market access gives it broader investment opportunities, while Cash App offers unique AI-powered investment automation through Moneybot. Neither platform replaces dedicated brokerages like Robinhood, Charles Schwab, or Fidelity for active traders requiring advanced tools, options trading, or margin capabilities.
Cash App vs Revolut: Security and Regulatory Compliance
Both platforms implement bank-grade security measures, though their regulatory structures reflect their different geographic focuses.
| Security Feature | Cash App | Revolut |
|---|---|---|
| Encryption Standards | TLS 1.3, PCI-DSS Level 1 | TLS 1.3, PCI-DSS Level 1 |
| Multi-Factor Authentication | SMS, email, biometric (Touch/Face ID) | In-app PIN, biometric, hardware security keys |
| Deposit Insurance | FDIC-insured via Sutton Bank partnership | FDIC-insured (US); EU deposit guarantee (Europe) |
| Virtual Card Features | Custom Cash Card designs, spending controls | Disposable virtual cards, instant freeze/unfreeze |
| Fraud Monitoring | Machine learning transaction monitoring | Real-time ML + anti-scam call identification |
| Regulatory Licenses | Money transmitter licenses (50 US states) | EU banking license, UK banking license, pursuing US license |
| Data Breaches (Historical) | 2022: 8.2M user records exposed | 2022: 50,000+ records via social engineering |
| Bitcoin Custody | User-controlled private keys (withdrawal supported) | Custodial model (withdrawal supported for select assets) |
Winner: Revolut for comprehensive security. Revolut's full EU banking license, advanced fraud prevention including real-time anti-scam call identification, and disposable virtual card technology provide superior security infrastructure. Both platforms experienced security incidents in 2022 but have since implemented enhanced protections. Cash App's user-controlled Bitcoin private keys offer better crypto custody for self-sovereign users.
Cash App vs Revolut: Family and Teen Account Features
Both platforms offer supervised accounts for younger users, but with different approaches and feature sets.
Cash App Teen Accounts
Cash App's November 2025 update introduced teen accounts (ages 13-17) with comprehensive parental controls and unique investing access. Parents can set spending limits, approve transactions above certain thresholds, monitor all activity, and control access to different features. Teen accounts include real 3.5% APY savings, supervised stock investing, and Bitcoin education—making Cash App the first mainstream platform to offer crypto investing for minors under parental supervision.
Revolut Junior (Under 18)
Revolut Junior serves children aged 6-17 in supported markets with dedicated physical cards, spending controls, allowance management, and real-time parental notifications. The platform includes budgeting tools, savings goals, and financial education content designed for younger users. Parents maintain full oversight while gradually introducing financial responsibility through age-appropriate features.
Winner: Revolut for established features; Cash App for investment access. Revolut Junior offers a more mature product with longer track record and dedicated physical cards. Cash App's teen accounts uniquely include stock and Bitcoin investing under parental supervision, appealing to families prioritizing financial education.
Cash App vs Revolut: Customer Support and User Experience
Customer support remains a challenge for both platforms due to their scale and digital-first approaches.
Cash App Support Structure
Cash App provides support through email, in-app help center, social media (Twitter/X), and the new Moneybot AI assistant for common queries. Cash App Green users receive priority support with faster response times. The platform lacks direct phone support, which frustrates users dealing with complex issues like unauthorized transactions or account recovery. Response times typically range from 24-72 hours for non-urgent issues.
Revolut Support Infrastructure
Revolut offers 24/7 encrypted in-app chat, comprehensive help center, email support, and automated phone line for critical functions like card blocking. Premium, Metal, and Ultra subscribers get priority queue access with faster response times. The anti-scam call identification feature adds proactive security support by detecting fraud attempts during live phone calls and displaying real-time warnings.
Winner: Revolut for availability and tiered support. Revolut's 24/7 chat availability and priority support for paid subscribers provide better customer service infrastructure, though both platforms struggle with complex issue resolution times.
Who Should Choose Cash App in 2026?
Cash App is the optimal choice if you:
- Live in the United States and primarily need domestic peer-to-peer payments with zero fees
- Want completely free banking with competitive 3.5% APY savings through Cash App Green (no monthly fees)
- Are Bitcoin-focused and want Lightning Network payments, on-chain withdrawals, and zero-fee dollar-cost averaging
- Need AI-powered financial management with Moneybot for automated budgeting and investment decisions
- Require short-term credit access through Cash App Borrow ($20-$500 micro-loans with transparent 5% flat fees)
- Want teen investment accounts with supervised stock and Bitcoin access under parental controls
- Prefer simplicity with a streamlined app interface and straightforward fee structure
- Use stablecoins for cross-border transfers with automatic USD conversion (launching early 2026)
Who Should Choose Revolut in 2026?
Revolut is the superior choice if you:
- Travel internationally or need multi-currency accounts supporting 25+ fiat currencies
- Send money abroad regularly and want interbank exchange rates with minimal fees
- Trade diverse crypto portfolios with 100+ cryptocurrencies and zero-fee staking options
- Need comprehensive financial services including personal loans, insurance, BNPL, and business banking
- Trade European stocks alongside US markets for geographic diversification
- Run a business with cross-border payments, multi-user access, and accounting integrations
- Live outside the United States where Cash App is unavailable
- Want a licensed bank with EU/UK regulatory protections and deposit insurance
- Require advanced security features like disposable virtual cards and anti-scam protection
Cash App vs Revolut: Final Verdict (2026)
| Category | Winner | Reason |
|---|---|---|
| Ease of Use | Cash App | Simpler interface, $Cashtag system |
| Fees (US Users) | Cash App | Zero monthly fees, free P2P transfers |
| AI Features | Cash App | Moneybot agentic AI assistant |
| Savings Rate (No Fees) | Cash App | 3.5% APY with no subscription required |
| Bitcoin Features | Cash App | Lightning payments, zero-fee DCA |
| Teen Investing | Cash App | Stock and Bitcoin access for minors |
| Lending Options | Cash App | Transparent 5% flat fee micro-loans |
| International Banking | Revolut | 48+ countries, multi-currency support |
| Crypto Variety | Revolut | 100+ assets vs Bitcoin+stablecoins |
| Stock Market Access | Revolut | US + European markets |
| Banking License | Revolut | Full EU banking authorization |
| Security Features | Revolut | Disposable cards, anti-scam protection |
| Customer Support | Revolut | 24/7 chat, priority tiers |
| Business Features | Revolut | Multi-user, accounting integration |
| Company Growth | Revolut | $75B valuation, global expansion |
| Overall (US Users) | Cash App | Zero fees, AI features, Bitcoin focus |
| Overall (Global Users) | Revolut | International banking, comprehensive services |
Overall verdict: The choice between Cash App and Revolut fundamentally depends on geographic location and financial needs. For US-based users, Cash App's November 2025 transformation with Moneybot AI, Lightning Network integration, zero-fee structure, and 3.5% APY savings makes it an exceptionally compelling all-in-one financial platform. The upcoming early 2026 stablecoin support will bridge some international gaps for crypto-native users. For anyone outside the US, or US users requiring multi-currency banking, international transfers, or diverse crypto trading, Revolut remains superior with its $75 billion valuation, EU banking license, 48+ country presence, and comprehensive financial services ecosystem. Revolut's January 2026 decision to pursue a standalone US banking license signals serious commitment to the American market.
Both platforms represent the future of digital banking—Cash App through AI-powered automation and Bitcoin adoption, Revolut through global financial infrastructure and regulatory compliance. Neither fully replaces traditional banks for complex needs, but both offer compelling alternatives for modern digital-first users.
For specialized crypto trading, consider dedicated exchanges like Coinbase or Kraken for lower fees and broader selection. Explore our Coinbase vs Cash App comparison or Revolut vs Crypto.com analysis for platform-specific insights. Use our crypto exchange comparison tool to find optimal rates across platforms.
Frequently Asked Questions
Which has better international features, Cash App or Revolut?
Revolut is significantly better for international use. It operates in 48+ countries with multi-currency accounts supporting 25+ fiat currencies, interbank exchange rates, and local payment rails (SEPA, Faster Payments, ACH). Cash App is US-only with USD transactions exclusively. The upcoming early 2026 stablecoin update will enable some cross-border crypto transfers, but cannot replace Revolut's comprehensive international banking infrastructure.
What are the main fee differences between Cash App and Revolut in 2026?
Cash App is completely free with zero monthly subscriptions, free domestic P2P transfers, and 3.5% APY savings through Cash App Green based on activity rather than fees. Revolut uses a freemium model: Standard (free), Premium ($9.99/month), and Metal/Ultra ($16.99/month). Revolut offers better value for international users through fee-free currency exchange and higher tier benefits, while Cash App excels for basic US financial needs.
Can I buy cryptocurrency on both platforms, and which is better?
Yes, but with different approaches. Cash App supports Bitcoin and USDC stablecoins with Lightning Network payments, on-chain withdrawals, and zero-fee dollar-cost averaging through Auto Invest. Revolut offers 100+ cryptocurrencies, zero-fee staking (DOT, KSM, POL), and the dedicated Revolut X trading platform. Cash App is better for Bitcoin maximalists seeking mainstream adoption; Revolut serves diverse crypto portfolios and altcoin traders.
How does Cash App's Moneybot AI work?
Moneybot is an agentic AI assistant that proactively manages finances rather than just answering questions. It analyzes spending patterns, creates personalized budgets, executes investment trades, and provides actionable recommendations. Users can give high-level instructions like "save $200 this month" and Moneybot automatically adjusts spending categories, transfers money to savings, and monitors progress—functioning as a personal financial advisor within the app.
Is Revolut a real bank with deposit insurance?
Yes, Revolut is a licensed bank. It holds a full EU banking license through the Bank of Lithuania/European Central Bank (since 2018) and received a UK banking license in late 2024 (currently in mobilization period). In the US, deposits are FDIC-insured through partnerships. With £3.1 billion revenue and £790 million profit in 2024, Revolut operates as a profitable, regulated financial institution serving 65+ million customers globally. In January 2026, Revolut began pursuing a standalone US banking license.
Can I use Cash App outside the United States?
No, Cash App is exclusively US-domestic after shutting down European operations in August 2023. All features require US residency, US phone numbers, and USD transactions. The upcoming early 2026 stablecoin feature will theoretically enable cross-border crypto transfers, but lacks multi-currency accounts, forex capabilities, or international banking services that global users need.
Which platform offers better savings rates?
Cash App offers up to 3.5% APY through Cash App Green with no monthly fees—unlocked through spending activity ($500+ monthly card spending or $300+ paycheck deposits). Revolut provides up to 4.0% APY on its Ultra plan ($16.99/month). Cash App Green represents better value for active users since the savings rate requires no subscription, while Revolut's higher rate comes with monthly costs that may offset the additional yield for smaller balances.
How do the Lightning Network features work on Cash App?
Cash App's November 2025 Lightning integration lets users pay Bitcoin-accepting merchants using their USD balance—Cash App handles the conversion automatically while merchants receive Bitcoin. This eliminates the need to hold Bitcoin while enabling participation in the Lightning Network economy. Users can scan Lightning QR codes, toggle to "Cash" currency, and complete payments in seconds with funds pulled from their USD balance rather than Bitcoin holdings.
What's new with Cash App's stablecoin support launching in 2026?
Launching early 2026, Cash App's stablecoin feature will provide each user with a blockchain address to send and receive USDC directly. When stablecoins are received, they automatically convert to USD in the user's Cash balance. When sending USD out, it converts to USDC on-chain. This bypasses traditional payment rails like ACH and wire transfers, enabling near-instant cross-border transfers for crypto-native users while maintaining the simplicity of a USD-based app experience.
