Verdict
- XSPA Card scores higher overall (7.2 vs 7.1 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Revolut is a good fit for
- Frequent travellers
XSPA Card is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Revolut | XSPA Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 5 | – |
| Availability | 100 | 100 |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | – | – |
| Limits & ATM | 64 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | n/a |
| Best for Travel | 8.2 | n/a |
| Best for High Spenders | 5.2 | n/a |
| Best for Low Fees | 9.4 | 8.0 |
| Best for Beginners | 7.9 | 8.3 |
| Best E-Money Card | 9.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid cardShow source
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Tiers / plans
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/moConditions apply: tap or hover for detailsShow source
Austria
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan; paid plans €3.99–€60/month (Austria)
FX fee
0%Conditions apply: tap or hover for detailsShow source
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
Top-up fee
FreeShow source
ATM fee
2%Conditions apply: tap or hover for detailsShow source
After the monthly free allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Other fees & markups
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Cashback type
PointsConditions apply: tap or hover for detailsShow source
RevPoints, redeemable for air miles and Stays discounts
Interest on balance
1%Conditions apply: tap or hover for detailsShow source
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Personal accounts; other supported regions listed on the help page
GlobalConditions apply: tap or hover for detailsShow source
200+ countries
Account / spend currencies
EURConditions apply: tap or hover for detailsShow source
Austrian accounts; multi-currency accounts available
USDT · USDCShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Standard card; delivery and customisation fees apply
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
All plans
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: available for purchase only; included on higher paid plans
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
Annual cost at 1,500 EUR/month
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
XSPA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers