Ethena Pay Spend Card vs Revolut
Crypto native
Crypto enabled
Verdict
- Ethena Pay Spend Card scores higher overall (8.3 vs 7.0 out of 10).
- Ethena Pay Spend Card is clearly stronger on: Cashback & rewards, Limits & ATM.
- Revolut is clearly stronger on: FX & international, Product features.
- For 1,500 EUR/month of spend, Ethena Pay Spend Card comes out about 665 EUR a year ahead on base-tier terms.
Ethena Pay Spend Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, Limits & ATM
Revolut is a good fit for
- Frequent travellers
Stronger on: FX & international, Product features
Score by criterion
| Criterion | Ethena Pay Spend Card | Revolut |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 89 | 5 |
| Availability | 100 | 100 |
| FX & international | 60 | 100 |
| Product features | 53 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | 64 |
| Transparency | 79 | 79 |
| Best for Cashback | 8.6 | 4.7 |
| Best for Travel | 7.6 | 8.1 |
| Best for Self-Custody | 7.5 | n/a |
| Best for DeFi Users | 7.7 | n/a |
| Best for High Spenders | 8.1 | 5.1 |
| Best for Low Fees | 8.4 | 9.1 |
| Best for Beginners | 8.0 | 7.6 |
| Best Crypto Credit Card | 8.1 | n/a |
| Best E-Money Card | n/a | 8.9 |
Product
Product status
Active*Show source
Product status: Active
Beta; live in 48 countries, more announced
Source states (paraphrased): Ethena Pay is live in 48 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania.
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Beta; live in 48 countries, more announced
ActiveShow source
Product status: Active
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured: collateral in your linked self-custodial wallet secures card charges
Source states (paraphrased): Your Ethena Pay Spend Card is a secured product.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured: collateral in your linked self-custodial wallet secures card charges
Network
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Ethena Pay does not hold, manage, custody, or have access to your funds, digital assets, or wallet credentials.
Source: FAQ — Ethena Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)Show source
Card issuer / program manager: Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)
Source states (paraphrased): refers to Third National, including its affiliates, successors, and assigns.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Standard · Pro · VIPShow source
Tiers / plans: Standard · Pro · VIP
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/mo*Show source
Tiers / plans: Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/mo
Austria
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Austria
Fees
Annual fee
Free*Show source
Annual fee: Free
No recurring subscription or account fees for a standard account
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No recurring subscription or account fees for a standard account
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): Monthly maintenance / account fee: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Free*Show source
Monthly fee: Free
Standard plan; paid plans €3.99–€60/month (Austria)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard plan; paid plans €3.99–€60/month (Austria)
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual card issuance: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Replacement fee
FreeShow source
Replacement fee: Free
Source states (paraphrased): Replacement card: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
FX fee
1%*Show source
FX fee: 1%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Source states (paraphrased): Typically around 1.0%, passed through directly from the applicable card network with no markup.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
0%*Show source
FX fee: 0%
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
Source states (paraphrased): Currency exchange amount with no additional fees, Mon - Fri ... €1,000/month limit Additional weekend currency exchange fees 1%
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
ATM fee
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Only where ATM access is available; ATM operator surcharges extra
Source states (paraphrased): If ATM access is available: $1.00 plus 0.65% of the withdrawal amount.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where ATM access is available; ATM operator surcharges extra
2%*Show source
ATM fee: 2%
After the monthly free allowance
Source states (paraphrased): A 2% fee applies once you go over the monthly limit.
Source: Revolut Premium (Austria)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the monthly free allowance
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Other fees & markups
Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateralShow source
Other fees & markups: Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateral
Source states (paraphrased): | Late Payment | Up to $40
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Other fees & markups: 2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limit
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
4%*Show source
Base cashback: 4%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Source states (paraphrased): Standard: $0 – $2,500: 4%; $2,500 – $4,000: 1%; Over $4,000: 0%.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
0%*Show source
Base cashback: 0%
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Source states (paraphrased): RevPoints: Earn 1 point per €10 spent (Standard)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Max cashback
5%*Show source
Max cashback: 5%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Source states (paraphrased): Up to 5% of the U.S. dollar value of each Qualifying Card Transaction.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Cashback paid in
AVAXShow source
Cashback paid in: AVAX
Source states (paraphrased): Credited in AVAX (native asset of the Avalanche network).
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Points*Show source
Cashback type: Points
RevPoints, redeemable for air miles and Stays discounts
Source states (paraphrased): RevPoints are earned through everyday spending, turning card purchases into travel benefits like air miles and Stays discount
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
RevPoints, redeemable for air miles and Stays discounts
Interest on balance
6%*Show source
Interest on balance: 6%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
Source states (paraphrased): Earn up to 6% on your dollars. Paid daily.
Source: Ethena Pay
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
1%*Show source
Interest on balance: 1%
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Source states (paraphrased): Instant Access Savings (EUR) Interest is shown in p.a. (variable). T&Cs apply 1% p.a.
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Cashback-eligible spend cap
$2,500/month*Show source
Cashback-eligible spend cap: $2,500/month
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Cashback conditions
Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settlesShow source
Cashback conditions: Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settles
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions*Show source
Reward exclusions: Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions
Eligibility follows the MCC assigned by the card network
Source states (paraphrased): cash advances, ATM withdrawals, money orders, traveler's checks, or other cash equivalents;
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Eligibility follows the MCC assigned by the card network
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own collateral
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own collateral
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Interest (APR)
0%*Show source
Interest (APR): 0%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Source states (paraphrased): Your Spend Card is currently 0.00% interest on all purchases.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Interest notes
Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosureShow source
Interest notes: Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosure
Source states (paraphrased): Issuer and Ethena Pay reserve the right to implement interest in the future, for new purchases.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretionShow source
Grace period: Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretion
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Repayment
Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penaltyShow source
Repayment: Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penalty
Source states (paraphrased): you may make a repayment for a balance on one or more of your Ethena Pay Cards by any means that are permitted by Ethena Pay
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Availability
Available in
Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand*Show source
Available in: Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
EEA*Show source
Available in: EEA
Personal accounts; other supported regions listed on the help page
Source: Where you can sign up for Revolut
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Personal accounts; other supported regions listed on the help page
Not available in
United States*Show source
Not available in: United States
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Source states (paraphrased): The Ethena Pay Spend Card is offered only to non-U.S. persons
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Account / spend currencies
EUR*Show source
Account / spend currencies: EUR
Austrian accounts; multi-currency accounts available
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
YesShow source
Own IBAN / bank details: Yes
Source states (paraphrased): move your salary by sharing your account number or IBAN with your employer
Source: https://www.revolut.com/en-AT/bank-account/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add to Apple Pay in seconds.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Apple Pay: Yes
Source states (paraphrased): Just link them to Apple Pay or Google Pay and start spending securely right away.
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
No*Show source
Google Pay: No
Announced as available soon
Source states (paraphrased): Google Pay available soon.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Announced as available soon
YesShow source
Google Pay: Yes
Source states (paraphrased): Just link them to Apple Pay or Google Pay and start spending securely right away.
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Physical card
Yes*Show source
Physical card: Yes
Standard card; delivery and customisation fees apply
Source states (paraphrased): Available on Standard plans The new banking standard Elevate your everyday spend with our iconic Standard card
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard card; delivery and customisation fees apply
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Generate a virtual card in under a minute.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Yes*Show source
Virtual card: Yes
All plans
Source states (paraphrased): Available on all plans Virtually, indestructible Always losing your cards? Go virtual
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
All plans
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Availability limited and depends on card, device and country
Source states (paraphrased): ATM cash withdrawals are supported where your card, device and country allow it
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Availability limited and depends on card, device and country
Airport lounge access
No*Show source
Airport lounge access: No
Standard: available for purchase only; included on higher paid plans
Source states (paraphrased): Airport lounge access: Available for purchase (Standard)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: available for purchase only; included on higher paid plans
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; list may be updated by issuer
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; list may be updated by issuer
Security & custody
Regulation / licences
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow source
Regulation / licences: Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCA
Source states (paraphrased): Revolut Bank UAB is licensed by the European Central Bank and regulated by the Bank of Lithuania.
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): are not deposits or insured by any government deposit insurance or investor protection scheme
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Annual cost at 1,500 EUR/month
Ethena Pay Spend Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+720 EUR
- Net annual value665 EUR
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers