Revolut
Fiat-first financial app with cards, multi-currency accounts and crypto trading as an add-on — not a crypto card in the strict sense. Card spending is in fiat. Figures below are from the Austrian pricing page.
Base cashback
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%
Max cashback
Base fee
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%
FX fee
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%
ATM fee
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%
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- Apple Pay and Google Pay
- Free ATM withdrawals up to €200/month
Cons
No disadvantages derived from the published data yet.
Good for
- Frequent travellers
Not for
- Users who insist on self-custody
Risks to understand
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
All details
Fees5/15
- Monthly fee
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)
- FX fee
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
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
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%
Not yet researched: Annual fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards3/14
- Base cashback
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
- Cashback type
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
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
Not yet researched: Max cashback, Cashback paid in, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies3/4
- Available in
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
- 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
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%
Not yet researched: Not available in.
Features, wallets & supported assets5/11
- Apple Pay
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
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
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
- 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
Not yet researched: ATM withdrawals, Spend stablecoins, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- 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%
Not yet researched: Deposit protection, Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
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%
- Custody model
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
- Tiers / plans
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
Not yet researched: Card type, Network, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards Interest on balance 1% (variable) | 20% | 5 |
Availability 30 of 60 tracked countries | 15% | 100 |
FX & international FX fee 0% | 10% | 100 |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €200/month | 5% | 64 |
Transparency 5 of 5 checked key terms disclosed · 3 contradiction(s) between official sources | 5% | 79 |
Data coverage 95%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Revolut have an annual or monthly fee?
Base tier: Free (Standard plan; paid plans €3.99–€60/month (Austria)). Source: Compare Revolut plans (Austria).
What is the FX fee of Revolut?
0% (Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends). Source: Compare Revolut plans (Austria).
How much cashback does Revolut pay?
Base rate: 0% (No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits).
Where is Revolut available?
EEA (Personal accounts; other supported regions listed on the help page).
Is Revolut self-custodial?
Custodial (The provider holds the funds).
Does Revolut work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history20 entries
- Regulation / licences not disclosed → ["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"] · 24 October 2026 · approved
- FX fee not disclosed → 0 · 24 October 2026 · approved
- Own IBAN / bank details not disclosed → true · 24 October 2026 · approved
- Physical card not disclosed → true · 24 October 2026 · approved
- Google Pay not disclosed → true · 24 October 2026 · approved
- Apple Pay not disclosed → true · 24 October 2026 · approved
- Virtual card not disclosed → true · 24 October 2026 · approved
- Interest on balance not disclosed → 1 · 24 October 2026 · approved
- Airport lounge access not disclosed → false · 24 October 2026 · approved
- Cashback type not disclosed → "points" · 24 October 2026 · approved
- Base cashback not disclosed → 0 · 24 October 2026 · approved
- Custody model not disclosed → "custodial" · 24 October 2026 · approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Free ATM allowance recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved