Revolut is a UK-based fintech super-app that allows users to buy, sell, stake, and spend over 230 cryptocurrencies alongside traditional banking services. With more than 65 million customers globally, a MiCA licence for EU-wide crypto operations, and the dedicated Revolut X exchange offering 0% maker fees and 0.09% taker fees, Revolut has evolved from a prepaid travel card startup into one of Europe's most significant crypto-banking platforms in 2026.
This Revolut crypto review examines the platform's real fees (including hidden spreads that can reach 4%), Revolut X trading features, staking rewards and commissions, UK FCA registration and MiCA regulatory status, and how it compares to dedicated cryptocurrency exchanges like Coinbase, Kraken, and Binance.
| Feature | Details |
|---|---|
| Founded | 2015 (crypto services added 2017) |
| Headquarters | London, United Kingdom |
| Global Users | 65+ million across 48 countries |
| Supported Cryptocurrencies | 230+ (main app), 400+ trading pairs (Revolut X) |
| Trading Fees (Main App) | 0.49% to 1.49% depending on plan and volume |
| Revolut X Fees | 0% maker / 0.09% taker |
| Hidden Spreads (Main App) | Estimated 1% to 4% on top of trading fees |
| Staking | ETH, SOL, DOT, ADA, POL, XTZ (up to 2.76% APY on ETH) |
| Staking Commission | 25% (ETH), 30% (all other assets) |
| Crypto Withdrawals | Yes, external wallets supported (network + service fees) |
| UK Regulation | FCA-registered; PRA banking licence in mobilisation phase |
| EU Regulation | MiCA-licensed via CySEC; EU banking licence (Lithuania) |
| Mobile Apps | iOS and Android (main app + Revolut X) |
| Company Valuation | $75 billion (November 2025) |
| 2024 Revenue | 3.1 billion GBP |
| 2024 Net Income | 790 million GBP |
What Is Revolut?
Revolut is a global fintech company founded in 2015 by Nikolay Storonsky and Vlad Yatsenko. The platform launched as a prepaid travel card offering competitive foreign exchange rates, then expanded into a comprehensive financial services super-app providing banking, stock trading, cryptocurrency trading, insurance, budgeting tools, and international money transfers.
Revolut added cryptocurrency trading in 2017, initially offering exposure to five major coins including Bitcoin and Ethereum. Since then, the platform has significantly expanded its crypto offering to over 230 digital assets, launched a dedicated trading platform called Revolut X, and introduced staking for proof-of-stake tokens. The company reported 3.1 billion GBP in revenue and 790 million GBP in net income for 2024, making it one of Europe's most profitable fintech companies.
What distinguishes Revolut in the cryptocurrency space is its integrated approach. Users can hold British pounds, euros, or US dollars alongside Bitcoin and Ethereum in the same app, spend crypto via their Revolut debit card with automatic fiat conversion, earn staking rewards on supported tokens, and access professional-grade trading tools on Revolut X. This all-in-one financial platform approach appeals to users who want cryptocurrency exposure without managing multiple accounts across different services.
Revolut Crypto Features
Supported Cryptocurrencies
Revolut supports over 230 cryptocurrencies in its main banking app, covering major market cap tokens, popular altcoins, meme coins, stablecoins, and DeFi tokens. The cryptocurrency selection includes:
- Major cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Bitcoin Cash (BCH)
- Layer-1 blockchains: Solana (SOL), Cardano (ADA), Polkadot (DOT), Avalanche (AVAX), Toncoin (TON), Hedera (HBAR)
- Layer-2 and scaling solutions: Polygon (POL)
- Meme coins: Dogecoin (DOGE), Shiba Inu (SHIB), Pepe (PEPE)
- Stablecoins: Tether (USDT), USD Coin (USDC), Dai (DAI), PayPal USD (PYUSD)
- DeFi tokens: Uniswap (UNI), Aave (AAVE), Chainlink (LINK)
On the dedicated Revolut X exchange, traders can access 400+ trading pairs against USD, EUR, and GBP base currencies. This expanded selection provides active traders with deeper market access and more trading opportunities than the main Revolut app.
Revolut X: The Dedicated Crypto Exchange
Revolut X is Revolut's standalone cryptocurrency trading platform, launched in May 2024 initially for UK users and since expanded to additional markets. It operates as a separate app and web interface designed specifically for experienced traders who require professional-grade tools and significantly lower fees than the main Revolut app.
| Feature | Details |
|---|---|
| Maker Fees | 0% (no fee for adding liquidity) |
| Taker Fees | 0.09% flat rate |
| Spread | Zero (prices from live order book) |
| Trading Pairs | 400+ pairs in GBP, EUR, and USD |
| Order Types | Market orders, limit orders |
| Charting | TradingView integration with technical indicators |
| Order Book | Live order book with real-time market depth |
| Platforms | Mobile app (iOS, Android) and web browser |
| Funding | Instant transfers from main Revolut account |
Revolut X eliminates the spread markup entirely by using a live order book with real market pricing, unlike the main app which uses volume-weighted average pricing (VWAP) with embedded spreads. The 0% maker and 0.09% taker fee structure makes Revolut X one of the most cost-effective cryptocurrency trading platforms available in Europe, undercutting established exchanges significantly.
Crypto Staking
Revolut offers cryptocurrency staking for selected proof-of-stake tokens, allowing users to earn passive rewards directly within the app. Staking is available for six cryptocurrencies: Ethereum (ETH), Solana (SOL), Polkadot (DOT), Cardano (ADA), Polygon (POL), and Tezos (XTZ).
| Cryptocurrency | Estimated APY | Revolut Commission | Warm-Up Period | Unstaking Period |
|---|---|---|---|---|
| Ethereum (ETH) | Up to 2.76% | 25% | 2 days | 10 days |
| Solana (SOL) | Up to 7% | 30% | 2 days | 2-3 days |
| Polkadot (DOT) | Up to 12% | 30% | 2 days | 28 days |
| Cardano (ADA) | Up to 4% | 30% | 2 days | 2 days |
| Polygon (POL) | Up to 5% | 30% | 2 days | 3-4 days |
| Tezos (XTZ) | Up to 5% | 30% | 2 days | 2 days |
The APY rates shown in the app are variable projections based on historical rewards and expected future network yields. Revolut takes a commission of 25% on Ethereum staking rewards and 30% on all other supported assets. This commission structure is higher than competitors like Kraken (10% to 20% commission) and Uphold (20% to 25% commission).
Users should note the warm-up period of 2 days before staking begins earning rewards, plus varying unstaking periods that lock funds before they can be withdrawn or sold. During market volatility, these lock-up periods present risk since users cannot quickly sell staked assets if prices decline sharply.
Crypto Card Spending
Revolut enables users to spend cryptocurrency directly using their Revolut debit card. When making purchases, the app automatically converts crypto holdings to fiat currency at the point of sale, with no additional transaction fees beyond the standard exchange rate markup. This functionality is powered by Revolut's Polygon blockchain integration, which also enables zero-fee crypto-funded card payments and cross-border remittances.
The crypto spending feature works with any cryptocurrency held in the Revolut account. Users can set their preferred payment hierarchy, choosing whether to spend fiat or crypto first when making card transactions. For users who want to use Bitcoin or Ethereum for everyday purchases without the friction of manual conversions, this feature provides genuine utility.
Recurring Buys and Dollar-Cost Averaging
Revolut supports automatic recurring purchases for any supported cryptocurrency on daily, weekly, or monthly schedules. This dollar-cost averaging (DCA) feature works across all subscription plans and allows users to build cryptocurrency positions gradually without attempting to time the market.
Setting up recurring buys is straightforward within the app. Users select the cryptocurrency, amount, frequency, and funding source. The platform executes purchases automatically, applying the standard trading fees based on the user's subscription tier and monthly volume.
Crypto Withdrawals to External Wallets
Revolut now supports cryptocurrency withdrawals to external wallets for many supported assets and networks. This represents a significant improvement from Revolut's earlier model where cryptocurrency could only be bought and sold within the platform without external transfer capability.
Withdrawals incur a network fee (determined by blockchain congestion) plus a variable service fee charged by Revolut. The availability of withdrawal functionality varies by cryptocurrency and user region. For users who want full custody of their digital assets, the ability to transfer to hardware wallets like Ledger or software wallets like MetaMask addresses the traditional "not your keys, not your coins" concern.
Revolut Crypto Fees Explained
Revolut's fee structure is one of the platform's most complex aspects. There are two distinct fee environments: the main Revolut app (higher fees with embedded spreads, simpler interface) and Revolut X (ultra-low fees with zero spread, advanced trading tools).
Main App Trading Fees by Subscription Plan
Trading fees in the main Revolut app depend on your subscription tier and monthly trading volume. The fee structure uses tiers that reward higher-volume traders with progressively lower rates.
| Monthly Volume (GBP) | Standard / Plus | Premium / Metal | Ultra |
|---|---|---|---|
| Under 10,000 | 1.49% | 0.99% | 0.49% |
| 10,000 to 49,999 | 1.29% | 0.79% | 0.39% |
| 50,000 to 99,999 | 1.09% | 0.59% | 0.29% |
| 100,000 to 249,999 | 0.89% | 0.49% | 0.19% |
| Over 250,000 | 0.49% | 0.29% | 0.00% |
Standard and Plus plan users face the highest fees, starting at 1.49% for volumes under 10,000 GBP per month. Premium and Metal subscribers benefit from reduced rates starting at 0.99%, while Ultra plan subscribers at the highest tier enjoy fee-free trading when exceeding 250,000 GBP monthly volume.
Hidden Spreads: The Real Cost
The biggest hidden cost on Revolut's main app is the spread embedded in cryptocurrency prices. Revolut uses a volume-weighted average price (VWAP) from partnered exchanges, adjusted for market depth and volatility. The spread represents the gap between the price Revolut quotes and the actual mid-market price.
Revolut does not explicitly disclose spread percentages. Analysis from user reports and independent testing suggests spreads typically range from 1% to 4% above market rates, varying by cryptocurrency and market conditions. Reddit discussions have documented Bitcoin price differences of 1,500 EUR to 3,600 EUR from actual market rates on larger purchases.
This means a Standard plan user buying 1,000 GBP of Bitcoin through the main app could pay 1.49% in explicit fees plus an estimated 1.5% to 2.5% spread, resulting in a total effective cost of approximately 3% to 4%. For regular traders, these costs compound significantly over time.
Revolut X Fees: The Low-Cost Alternative
Revolut X eliminates spread markup entirely by using a live order book with real market pricing. The fee structure is simple and competitive:
- Maker fees: 0% (orders that add liquidity to the order book)
- Taker fees: 0.09% flat rate (orders that remove liquidity)
- Spread: Zero (prices come directly from the order book)
| Platform | Maker Fee | Taker Fee | Spread Estimate | Best For |
|---|---|---|---|---|
| Revolut X | 0.00% | 0.09% | Zero | Active European traders |
| Revolut Main App | 0.49% to 1.49% | Included | 1% to 4% | Casual buyers, banking users |
| Kraken | 0.16% | 0.26% | 0.1% to 0.25% | All-round trading |
| Coinbase Advanced | 0.40% | 0.60% | 0.5% | US-focused traders |
| Binance | 0.10% | 0.10% | 0.05% to 0.1% | Global high-volume traders |
| eToro | 1.00% | Included | 0.75% to 2% | Social trading, beginners |
Additional Fees and Costs
- Subscription fees: Standard (free), Plus (3.99 GBP/month), Premium (7.99 GBP/month), Metal (14.99 GBP/month), Ultra (45 GBP/month)
- Crypto withdrawals: Network fee plus variable service fee
- Staking commission: 25% on ETH, 30% on other tokens
- Stablecoin conversions: Zero fees for USD to USDT/USDC conversions up to 500,000 EUR monthly
- Deposit fees: Free for bank transfers; 1% to 3% for card deposits depending on region
Revolut Subscription Plans and Crypto Benefits
Revolut offers five subscription tiers, each providing different crypto trading fee rates and additional benefits. The subscription choice significantly impacts trading costs for users who trade through the main app rather than Revolut X.
| Plan | Monthly Cost (GBP) | Crypto Fee (Under 10k) | Key Crypto Benefits |
|---|---|---|---|
| Standard | Free | 1.49% | Basic buying and selling, 230+ coins, staking |
| Plus | 3.99 | 1.49% | Same crypto features as Standard |
| Premium | 7.99 | 0.99% | Reduced fees, priority customer support |
| Metal | 14.99 | 0.99% | Lowest non-Ultra fees, 1% cashback on card spending |
| Ultra | 45.00 | 0.49% | Lowest fees, fee-free at high volume, premium lifestyle perks |
For regular crypto traders using the main app, the Premium or Metal plan offers the best value, reducing fees by approximately 33% compared to the Standard tier. The Ultra plan at 45 GBP monthly is only cost-effective if you trade high volumes or value the extensive lifestyle benefits including unlimited airport lounge access, global mobile data, and partner subscription credits.
However, all Revolut users regardless of subscription tier can access Revolut X with its flat 0% maker and 0.09% taker fees. For active traders, using Revolut X makes subscription tier largely irrelevant for crypto trading costs, shifting the decision to other banking and lifestyle benefits.
Security and Regulation
Revolut is one of the most heavily regulated fintech companies operating in the cryptocurrency space, with licences and registrations across multiple jurisdictions. Understanding Revolut's regulatory status helps users assess the security and protection of their funds.
UK Regulatory Status
Revolut is registered with the Financial Conduct Authority (FCA) for cryptocurrency services in the United Kingdom. The company operates as an FCA-registered cryptoasset firm, meaning it must comply with UK anti-money laundering regulations and conduct appropriate customer due diligence.
In July 2024, Revolut received a UK banking licence with restrictions from the Prudential Regulation Authority (PRA). As of early 2026, this licence remains in the "mobilisation phase," a transitional period during which Revolut builds the operational systems necessary to function as a full bank. The PRA has extended this phase beyond the typical 12-month duration due to concerns about whether Revolut's risk controls can keep pace with its rapid global expansion.
During mobilisation, Revolut's UK banking division can hold only 50,000 GBP in deposits while developing internal governance frameworks. UK customers remain with Revolut Ltd, an e-money institution regulated by the FCA, where funds are safeguarded in accounts under the Electronic Money Regulations 2011. Once mobilisation completes and Revolut launches as a full UK bank, it will be able to offer lending products and receive deposit protection coverage.
EU Regulatory Status
Revolut holds a full banking licence through the Bank of Lithuania, allowing it to offer regulated banking services across the European Union. In October 2025, Revolut secured a Markets in Crypto-Assets (MiCA) licence from the Cyprus Securities and Exchange Commission (CySEC), enabling regulated cryptocurrency services across all 30 European Economic Area countries.
The MiCA licence represents a significant regulatory milestone, making Revolut one of the first major platforms to receive EU-wide crypto authorisation under the new regulatory framework. This provides European users with regulatory protections and oversight that many cryptocurrency platforms lack.
Security Measures
Revolut implements multiple security measures to protect user accounts and assets:
- Biometric authentication: Face ID and fingerprint login on mobile devices
- Two-factor authentication: SMS or app-based verification for sensitive actions
- Device-based security: Login notifications and device management controls
- Disposable virtual cards: One-time-use card numbers for online purchases
- Transaction monitoring: Automated fraud detection and suspicious activity alerts
- Asset segregation: Client cryptocurrency held separately from company funds
Important Limitations
Users should understand that Revolut's cryptocurrency services are not covered by the UK Financial Services Compensation Scheme (FSCS). Crypto holdings are not protected in the same way as traditional bank deposits. If Revolut were to fail, cryptocurrency balances would not be guaranteed by government compensation schemes.
Additionally, Revolut maintains custody of user cryptocurrency by default. While external withdrawals are now supported for many assets, users who keep crypto within Revolut rely on the company's custodial security rather than controlling private keys themselves. Users who want full self-custody should consider withdrawing assets to hardware wallets or self-custodial software wallets.
User Experience
Main Revolut App
The main Revolut app is widely regarded as one of the best-designed fintech applications available. The interface is clean, modern, and intuitive, making cryptocurrency accessible to users with no prior trading experience. Buying crypto takes less than a minute: navigate to the Crypto section, select a coin, enter an amount, review fees and the quoted price, and confirm the transaction.
The app displays cryptocurrency holdings alongside fiat balances, credit cards, stocks, and other Revolut services in a unified portfolio view. Price charts, market data, and basic analytics help users track performance. Push notifications alert users to significant price movements and account activity.
One limitation is that the main Revolut app is mobile-only for cryptocurrency transactions. There is no desktop web interface for crypto within the standard Revolut experience, which can be restrictive for users who prefer managing larger portfolios on a computer screen.
Revolut X App
Revolut X provides a more professional trading experience suitable for experienced cryptocurrency traders. The platform includes TradingView-powered charts with full technical analysis indicators, a live order book displaying real-time market depth, and the ability to place limit orders alongside market orders.
Revolut X is available on mobile (iOS and Android) and desktop web browsers, addressing the screen limitation of the main app. The interface feels closer to a traditional cryptocurrency exchange like Kraken or Binance than a banking app with a crypto feature.
Funding Revolut X is seamless since transfers from the main Revolut account are instant and free. This integration allows users to maintain their banking relationship with Revolut while accessing professional-grade trading tools.
Customer Support
Revolut provides customer support primarily through in-app chat. The company does not offer telephone support due to its scale of 65 million customers. Response times vary based on issue complexity and subscription tier, with priority support available for Premium plan subscribers and above.
For cryptocurrency-specific issues, support quality has received mixed reviews from users. Many report that support agents lack deep cryptocurrency knowledge, with complex issues sometimes requiring escalation or multiple contacts to resolve. The help centre provides extensive self-service documentation covering most common questions about crypto features.
Revolut Pros and Cons
| Pros | Cons |
|---|---|
| All-in-one banking and crypto platform | Main app fees up to 1.49% (expensive for casual users) |
| Revolut X offers 0% maker / 0.09% taker fees | Hidden spreads on main app estimated at 1% to 4% |
| Over 230 cryptocurrencies supported | Staking commission of 25% to 30% (higher than competitors) |
| Crypto card spending with automatic conversion | Crypto not covered by FSCS deposit protection |
| MiCA-licensed for EU-wide regulated crypto services | Main app crypto is mobile-only (no desktop interface) |
| Zero-fee stablecoin conversions up to 500k EUR | Customer support lacks deep cryptocurrency expertise |
| Recurring buys for dollar-cost averaging | Full UK banking licence still in mobilisation phase |
| External wallet withdrawals now supported | Crypto withdrawals incur network plus service fees |
| 65 million users and established reputation | No advanced order types (stop-loss, trailing stop) |
| Instant funding from Revolut fiat account | Staking lock-up periods create market timing risk |
Revolut Crypto Alternatives
While Revolut excels as an all-in-one financial app with integrated cryptocurrency services, dedicated exchanges may better serve certain users. Here is how Revolut compares to leading alternatives:
| Feature | Revolut | Coinbase | Kraken | Crypto.com |
|---|---|---|---|---|
| Cryptocurrencies | 230+ | 250+ | 350+ | 350+ |
| Trading Fees | 0% to 1.49% (0.09% on X) | 0% to 0.60% | 0% to 0.26% | 0% to 0.075% |
| Staking Assets | 6 tokens | 10+ tokens | 20+ tokens | 25+ tokens |
| Staking Commission | 25% to 30% | 25% | 10% to 20% | Varies by token |
| Debit Card | Yes (spend crypto) | Yes (crypto rewards) | No | Yes (CRO rewards) |
| Banking Features | Full banking services | No | No | Limited |
| UK Regulation | FCA-registered | FCA-registered | FCA-registered | FCA-registered |
| Best For | Banking + crypto integration | Beginners, US users | Advanced traders, low fees | Crypto card rewards |
If you primarily want a dedicated cryptocurrency exchange with maximum features and lowest fees, Kraken or Binance offer more advanced trading tools, wider asset selection, and superior staking options. If you want cryptocurrency alongside everyday banking in a single app, Revolut is difficult to beat. For maximising crypto debit card rewards, Crypto.com remains the market leader with its tiered CRO staking card programme.
For detailed platform comparisons, see our guides on Coinbase vs Revolut, Revolut vs Crypto.com, and Cash App vs Revolut.
Who Should Use Revolut for Crypto?
Revolut Is Ideal For
- Beginners: Users who want a simple, familiar interface to buy their first cryptocurrency without the complexity of dedicated exchanges
- Banking-first users: People who want crypto alongside their current account, savings, and debit card in a single app
- European users: Residents who benefit from MiCA-regulated crypto access with consumer protections across the EEA
- Casual investors: Users employing recurring buys and dollar-cost averaging strategies for long-term holdings
- Active traders willing to use Revolut X: Traders who want near-zero fee trading with professional tools
- Travellers: International users who value multi-currency accounts with integrated crypto holdings
- Card spenders: Users who want to spend cryptocurrency directly without manual conversions
Revolut Is Not Ideal For
- High-frequency traders: Users who need advanced order types, API access, and features beyond what Revolut X offers
- DeFi users: People who require seamless integration with decentralised protocols and dApps
- Privacy-focused users: Revolut requires full KYC verification and operates as a regulated bank
- Staking maximisers: The 25% to 30% commission significantly reduces yields compared to competitors or self-staking
- Self-custody advocates: Users who want direct control of private keys without relying on custodial services
- Users needing desktop trading: The main crypto app lacks desktop access (though Revolut X offers web trading)
Frequently Asked Questions
Is Revolut safe for buying crypto in 2026?
Yes, Revolut is one of the safest options for buying cryptocurrency. The platform is FCA-registered in the UK for crypto services, holds a MiCA licence for EU-wide regulated cryptocurrency operations, and has an EU banking licence through Lithuania. Revolut implements strong security measures including biometric login, two-factor authentication, and transaction monitoring. However, cryptocurrency holdings are not covered by the UK's FSCS deposit protection scheme, so crypto is not insured in the same way as fiat bank deposits.
What are Revolut's crypto fees in 2026?
Revolut charges 0.49% to 1.49% per trade on its main app depending on subscription plan and monthly trading volume. Standard plan users buying under 10,000 GBP monthly pay 1.49%, while Ultra subscribers at high volumes pay 0%. The main app also includes hidden spreads estimated at 1% to 4% above market rates. The dedicated Revolut X exchange charges 0% maker fees and just 0.09% taker fees with zero spread, making it significantly cheaper for active traders.
What is Revolut X and how is it different from the main app?
Revolut X is Revolut's standalone cryptocurrency trading platform designed for experienced traders. It offers 0% maker fees, 0.09% taker fees, zero spread markup, TradingView-powered charts with technical indicators, a live order book with market depth visualisation, and 400+ trading pairs. Unlike the main Revolut app which is mobile-only for crypto, Revolut X is available on desktop web browsers. The key difference is pricing: Revolut X eliminates the spread and offers dramatically lower fees than the main app.
Can I withdraw crypto from Revolut to an external wallet?
Yes, Revolut now allows cryptocurrency withdrawals to external wallets for many supported cryptocurrencies and blockchain networks. Withdrawals incur a network fee determined by blockchain congestion plus a variable service fee charged by Revolut. This capability addresses earlier criticism that Revolut crypto could only be bought and sold within the platform. Users can now transfer to hardware wallets like Ledger or self-custodial software wallets.
Does Revolut offer crypto staking?
Yes, Revolut supports staking for six proof-of-stake cryptocurrencies: Ethereum (ETH), Solana (SOL), Polkadot (DOT), Cardano (ADA), Polygon (POL), and Tezos (XTZ). APY rates vary by token, with Ethereum offering up to 2.76% and Polkadot potentially yielding up to 12%. However, Revolut takes a commission of 25% on Ethereum rewards and 30% on all other staking assets, which is higher than competitors like Kraken (10% to 20%) or Uphold (20% to 25%).
Is Revolut better than Coinbase for crypto?
It depends on your needs. Revolut is better if you want cryptocurrency integrated with full banking services, a debit card for spending crypto, and the ultra-low fees of Revolut X (0.09% taker). Coinbase is better if you want a dedicated crypto platform with more educational resources, broader staking options, and stronger US regulatory coverage. Revolut suits banking-first users while Coinbase targets crypto-first users. For a detailed breakdown, see our Coinbase vs Revolut comparison.
How many cryptocurrencies does Revolut support?
Revolut supports over 230 cryptocurrencies in its main banking app, including Bitcoin, Ethereum, Solana, Cardano, Dogecoin, Shiba Inu, and major stablecoins like USDT and USDC. The Revolut X exchange offers 400+ trading pairs for more active traders. The selection covers major market cap tokens, popular altcoins, meme coins, stablecoins, and DeFi tokens.
Does Revolut have a UK banking licence?
Revolut received a UK banking licence with restrictions from the Prudential Regulation Authority (PRA) in July 2024. As of early 2026, the licence remains in the "mobilisation" phase, meaning Revolut can operate under certain restrictions while building full banking capabilities. The mobilisation period has extended beyond the typical 12 months due to regulatory scrutiny of Revolut's global risk controls. UK customers currently remain with Revolut Ltd, an FCA-regulated e-money institution. In the EU, Revolut holds a full banking licence through Lithuania.
What is the minimum amount to buy crypto on Revolut?
Revolut allows cryptocurrency purchases starting from very small amounts, typically the equivalent of 1 GBP or 1 EUR. This low minimum makes Revolut accessible for beginners who want to start with small positions before committing larger amounts. The recurring buy feature also supports small regular purchases for dollar-cost averaging strategies.
Can I use Revolut crypto in the United States?
Revolut's cryptocurrency services have limited availability in the United States. While Revolut operates in the US market for banking and money transfer services, the full cryptocurrency trading features available in the UK and EU may not be accessible to US residents. Staking in particular is not available for US customers. Users should check the Revolut app for current service availability in their region.
Final Verdict
Revolut has matured from a travel card fintech into a serious crypto-banking hybrid serving over 65 million customers. For casual investors and banking-first users, the convenience of buying, holding, staking, and spending cryptocurrency within a unified banking app remains unmatched in 2026. The addition of Revolut X with its 0% maker and 0.09% taker fees has made Revolut genuinely competitive with dedicated cryptocurrency exchanges for active traders.
The main drawbacks remain the high fees and hidden spreads on the main app (users should avoid it for larger trades and use Revolut X instead), the 25% to 30% staking commission that significantly reduces yields compared to competitors, and the lack of desktop access for standard crypto features. For users primarily focused on cryptocurrency trading, platforms like Kraken or Binance offer more features, deeper liquidity, and lower staking commissions.
However, if you want cryptocurrency alongside everyday banking, with the option to trade cheaply on Revolut X, spend crypto via your debit card, and maintain a single app for all financial services, Revolut is one of the best choices available in Europe. The MiCA licence provides regulatory assurance that most pure crypto exchanges cannot match.
Our rating: 4.2 / 5 - Excellent for users who want banking and crypto integration in a single platform. Revolut X elevates its trading credentials with institutional-grade low fees. Points deducted for high main-app fees and spreads, the 25% to 30% staking commission, and the incomplete UK banking licence mobilisation.
