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Nexo Card vs Revolut

Nexo Card

Crypto native

6.6
Revolut

Crypto enabled

7.0

Verdict

  • Revolut scores higher overall (7.0 vs 6.6 out of 10).
  • Revolut is clearly stronger on: FX & international.
  • For 1,500 EUR/month of spend, Nexo Card comes out about 18 EUR a year ahead on base-tier terms.

Nexo Card is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Revolut is a good fit for

  • Frequent travellers

Stronger on: FX & international

Score by criterion

CriterionNexo CardRevolut
Fees100100
Cashback & rewards125
Availability100100
FX & international20100
Product features7070
Custody & security7575
Credit & financing85–
Limits & ATM6464
Transparency8679
Best for Cashback4.74.7
Best for Travel5.48.1
Best for DeFi Users6.5n/a
Best for Stablecoins5.8n/a
Best for High Spenders4.65.1
Best for Low Fees7.39.1
Best for Beginners7.87.6
Best Crypto Credit Card7.5n/a
Best E-Money Cardn/a8.9

Product

Product status

ActiveShow source

Product status: Active

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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

Debit card, Crypto-backed credit*Show source

Card type: Debit card, Crypto-backed credit

Dual mode: Debit Mode and crypto-backed Credit Mode

Source states (paraphrased): Switch between Credit and Debit Mode with one tap.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Dual mode: Debit Mode and crypto-backed Credit Mode

No data yet

Network

Mastercard*Show source

Network: Mastercard

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

Source states (paraphrased): Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Nexo Card is issued by DiPocket UAB.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

No data yet

Custody model

CustodialShow source

Custody model: Custodial

Source states (paraphrased): EEA custody, trading, and futures are provided respectively by Tangany and DLT Finance under MiCA and MiFID II.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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

DiPocket UABShow source

Card issuer / program manager: DiPocket UAB

Source states (paraphrased): The Nexo Card is issued by DiPocket UAB, an Electronic Money Institution

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

No data yet

Tiers / plans

No data yet
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

FreeShow source

Annual fee: Free

Source states (paraphrased): No monthly, annual or inactivity fees.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

No data yet

Monthly fee

FreeShow source

Monthly fee: Free

Source states (paraphrased): No monthly, annual or inactivity fees.

Source: Crypto Debit & Credit Card (EEA)

Official product page (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)

Physical card fee

Free*Show source

Physical card fee: Free

Requires at least Gold Loyalty Tier and a portfolio balance above $5,000

Source states (paraphrased): The physical Nexo Card is also free, including shipping.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Requires at least Gold Loyalty Tier and a portfolio balance above $5,000

No data yet

Virtual card fee

Free*Show source

Virtual card fee: Free

Activation needs a balance of at least $50 (not a fee)

Source states (paraphrased): The virtual Nexo Card costs nothing to get or activate.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Activation needs a balance of at least $50 (not a fee)

No data yet

FX fee

2%*Show source

FX fee: 2%

Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends

Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends

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% (min. €1.99)*Show source

ATM fee: 2% (min. €1.99)

After the free monthly allowance

Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

After the free monthly allowance

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

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

Source states (paraphrased): Base: Up to €200 / £180

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

€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

Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source

Other fees & markups: Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)

Source states (paraphrased): FX Fees on Weekends

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

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

0.5%*Show source

Base cashback: 0.5%

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

Source states (paraphrased): Base: 0.5% in NEXO Tokens or 0.1% in BTC

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

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

2%*Show source

Max cashback: 2%

Up to; Credit Mode only, depends on loyalty tier

Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Up to; Credit Mode only, depends on loyalty tier

No data yet

Cashback paid in

NEXO Token or BitcoinShow source

Cashback paid in: NEXO Token or Bitcoin

Source states (paraphrased): The cashback is paid out in NEXO Tokens or Bitcoin, with the option to change your cashback currency at any time.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Cashback type

Platform tokenShow source

Cashback type: Platform token

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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

No data yet
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 conditions

Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)Show source

Cashback conditions: Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)

Source states (paraphrased): when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Staking / holding required for top rewards

Yes*Show source

Staking / holding required for top rewards: Yes

Higher cashback tiers depend on the share of NEXO Tokens held

Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Higher cashback tiers depend on the share of NEXO Tokens held

No data yet

Staking asset

NEXO TokenShow source

Staking asset: NEXO Token

Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Minimum balance

$5,000*Show source

Minimum balance: $5,000

Digital-asset balance required to earn cashback

Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Digital-asset balance required to earn cashback

No data yet

Credit & financing

Credit line

Yes*Show source

Credit line: Yes

Credit Mode

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Credit Mode

No data yet

Credit type

Crypto-backed creditShow source

Credit type: Crypto-backed credit

Source states (paraphrased): Credit Mode borrows against your crypto.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

No data yet

Interest notes

Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source

Interest notes: Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tier

Source states (paraphrased): Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Repayment

Flexible repayment, no fixed schedule, no credit checksShow source

Repayment: Flexible repayment, no fixed schedule, no credit checks

Source states (paraphrased): Enjoy flexible repayment with no fixed schedule or credit checks.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Spend own balance directly

Yes*Show source

Spend own balance directly: Yes

Debit Mode

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Debit Mode

No data yet

Spend by borrowing against collateral

Yes*Show source

Spend by borrowing against collateral: Yes

Credit Mode

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Credit Mode

No data yet

Availability

Available in

EEA, United Kingdom*Show source

Available in: EEA, United Kingdom

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

Source states (paraphrased): available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

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

No data yet
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

No data yet
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): Apple Pay and Google Pay supported

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 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

YesShow source

Google Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay supported

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

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

Requires Gold Loyalty Tier and above $5,000 portfolio

Source states (paraphrased): The physical Nexo Card is also free, including shipping.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Requires Gold Loyalty Tier and above $5,000 portfolio

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): Activate your virtual card with just a tap and start making purchases.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

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

YesShow source

ATM withdrawals: Yes

Source states (paraphrased): Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

No data yet

Spend stablecoins

Yes*Show source

Spend stablecoins: Yes

Debit Mode

Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Debit Mode

No data yet

Airport lounge access

No data yet
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

Spendable assets

Stablecoins · Crypto · EURx · USDx · GBPx*Show source

Spendable assets: Stablecoins · Crypto · EURx · USDx · GBPx

Debit Mode; specific coins not listed

Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Debit Mode; specific coins not listed

No data yet

Security & custody

Regulation / licences

Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR*Show source

Regulation / licences: Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR

Earn and Borrow are outside the scope of these authorisations

Source states (paraphrased): an Electronic Money Institution authorised and regulated by the Bank of Lithuania (licence number 75)

Source: Crypto Debit & Credit Card (EEA)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Earn and Borrow are outside the scope of these authorisations

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%

Annual cost at 1,500 EUR/month

Nexo Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value18 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