Revolut vs Solayer Pay
Crypto enabled
Crypto native
Verdict
- Revolut scores higher overall (7.1 vs 6.2 out of 10).
- Revolut is clearly stronger on: Fees, Availability, FX & international.
- 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
Stronger on: Fees, Availability, FX & international
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | 5 | – |
| Availability | 100 | 50 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 64 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | n/a |
| Best for Travel | 8.2 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | n/a | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 5.2 | 5.5 |
| Best for Low Fees | 9.4 | 7.0 |
| Best for Beginners | 7.9 | 7.5 |
| 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
Stablecoin cardShow source
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
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
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan; paid plans €3.99–€60/month (Austria)
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
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
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show 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
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Card deactivated after 6 months of inactivity; a new card must be issuedShow 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
PointsShow source
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
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
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
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Account / spend currencies
EURConditions apply: tap or hover for detailsShow source
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
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
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: available for purchase only; included on higher paid plans
Spendable assets
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
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
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- 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