Revolut Crypto Card

Revolut Crypto Card is a debit card feature that allows users to spend cryptocurrency directly from their Revolut crypto balance. Instead of manually selling crypto before making a purchase, Revolut converts the required amount into the merchant's fiat currency at the moment of payment.

Users can create a dedicated virtual Crypto Card for free or link an existing eligible Revolut card to a crypto balance. The card can be used for online and in-store purchases, and compatible cards can be added to Apple Pay and Google Pay.

Users can either link the card to a specific crypto asset or allow Revolut to spend from all available crypto balances. When the latter option is selected, Revolut starts with the cryptocurrency that has the highest balance and moves to the next balance if necessary.

Background

Revolut has offered crypto trading since 2017 and has gradually expanded its crypto services to include deposits, withdrawals, staking, stablecoin transfers and direct card spending.

The Crypto Card builds on Revolut's existing debit card infrastructure rather than operating as a completely separate payment ecosystem. Users can hold fiat and crypto in the same app and choose which balance should fund a particular card.

Revolut now supports more than 300 crypto assets for trading in eligible markets, although card-spending availability can depend on the asset and jurisdiction.

Terms and fees

The dedicated virtual Crypto Card is free to create.

Revolut currently advertises no crypto exchange fee when paying with the Crypto Card. The selected cryptocurrency is converted into the required fiat currency at Revolut's exchange rate when the transaction takes place.

However, fair usage fees may still apply depending on the user's Revolut plan and transaction activity.

Stablecoins such as USDC and USDT can also be spent directly from an eligible Revolut card. Revolut currently offers 1:1 conversion between USD and supported stablecoins such as USDC and USDT within applicable limits, with no additional exchange spread or fee.

Normal Revolut card rules can still apply to other parts of the transaction, including foreign-currency usage, ATM withdrawals and plan-specific limits.

If a crypto-funded card purchase is refunded, the refund is generally credited back in the fiat currency of the original purchase, rather than being reconverted into crypto.

Key features

The main feature of Revolut Crypto Card is its integration with the broader Revolut account. Users can switch between fiat and crypto funding without needing a separate crypto card provider or external wallet.

A card can be linked to one specific crypto balance. This lets users decide, for example, to spend USDC while keeping BTC and ETH untouched.

Alternatively, users can select all crypto balances. In this mode, Revolut automatically spends from the cryptocurrency with the highest available balance first and continues through the remaining balances until the purchase is covered.

Users can also create a separate virtual Crypto Card rather than changing the funding source of their existing physical card.

The virtual card supports Apple Pay and Google Pay, making it usable for contactless payments at physical stores as well as online purchases.

Revolut does not currently offer dedicated cashback for Crypto Card payments. Rewards available through certain paid Revolut plans are separate from the Crypto Card itself and depend on the user's subscription and local terms.

Another advantage is stablecoin integration. Users can hold USDC or USDT, convert supported stablecoins at 1:1 rates within applicable limits and use them directly for card purchases.

Eligibility

Crypto Card availability depends on whether Revolut's crypto services and card-funded crypto spending are supported in the user's country.

Users must have a verified personal Revolut account and an active crypto account. Crypto onboarding includes identity and eligibility checks under the rules applicable to the user's jurisdiction.

The feature is available across a number of European markets and other supported Revolut regions, but crypto services can differ substantially by country.

Revolut Pro and Revolut Business cards cannot currently be linked to crypto Pockets. The feature is intended for eligible personal Revolut cards.

How to get the card

1. Create a personal Revolut account and complete identity verification.

2. Activate access to Revolut's crypto services.

3. Buy or deposit a supported cryptocurrency into the account.

4. Open the Cards section in the Revolut app.

5. Tap Add new and select Crypto.

6. Create the free virtual Crypto Card and choose a card design.

7. Select a specific crypto Pocket or choose to spend from all crypto balances.

8. Add the virtual card to Apple Pay or Google Pay if required.

9. Use it like a normal debit card for online or contactless purchases.

Instead of creating a new virtual Crypto Card, users can also link an existing eligible personal Revolut card to a crypto Pocket.