Verdict
- Revolut scores higher overall (7.0 vs 6.5 out of 10).
- Revolut is clearly stronger on: FX & international, Product features.
- 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: FX & international, Product features
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | Revolut | Tuyo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 5 | – |
| Availability | 100 | – |
| FX & international | 100 | 60 |
| Product features | 70 | 58 |
| Custody & security | 75 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 64 | – |
| Transparency | 79 | 79 |
| Best for Cashback | 4.7 | n/a |
| Best for Travel | 8.1 | 6.3 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | n/a | 6.6 |
| Best for Stablecoins | n/a | 7.3 |
| Best for High Spenders | 5.1 | 5.9 |
| Best for Low Fees | 9.1 | 7.9 |
| Best for Beginners | 7.6 | 7.1 |
| Best E-Money Card | 8.9 | n/a |
Product
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%
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Keys stay on the user's device
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Tuyo Card has no issuance, monthly or yearly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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)
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
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%
ATM operator fees and FX markups apply on top of the withdrawal amountShow source
Other fees & markups: ATM operator fees and FX markups apply on top of the withdrawal amount
Source states (paraphrased): ATM withdrawal fees and FX markups depend entirely on the ATM operator or the bank that owns the machine.
Source: ATM withdrawals | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
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 paid in
TUYOs (points)*Show source
Cashback paid in: TUYOs (points)
Not tradable or transferable
Source states (paraphrased): Get TUYOs with every dollar you spend with the Tuyo Card.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not tradable or transferable
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
Points*Show source
Cashback type: Points
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
Source states (paraphrased): TUYOs are points in our rewards program and are not a cryptocurrency token.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
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
Cashback conditions
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source
Cashback conditions: TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferable
Source states (paraphrased): Find current reward rates in the app.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
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
Not available in
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YE*Show source
Not available in: AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YE
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
Source states (paraphrased): if a country is listed here, users from that country cannot access Tuyo wallet, Earn, ramps, card, or virtual bank-account services
Source: Tuyo availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
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
USD · EURShow source
Account / spend currencies: USD · EUR
Source states (paraphrased): USD and EUR account numbers in your name.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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%
Yes*Show source
Own IBAN / bank details: Yes
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Source states (paraphrased): Get account details in your name: a CLABE, an IBAN, or an account and routing number, depending on where you live.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Features
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%
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 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%
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 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
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Physical card announced as coming soon
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
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): At a Visa ATM, choose Credit and enter your PIN.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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
Spendable assets
USDCShow source
Spendable assets: USDC
Source states (paraphrased): gas station holds on your USDC card
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Blockchains
BaseShow source
Blockchains: Base
Source states (paraphrased): you need USDC on the Base network
Source: Tuyo card availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Limits
ATM limit
$250*Show source
ATM limit: $250
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Source states (paraphrased): The limit is $250 per withdrawal, including the ATM surcharge
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Spending limit
$50,000*Show source
Spending limit: $50,000
Daily; can rise to $100,000 and then $200,000 as total spending grows
Source states (paraphrased): New cards have a daily spending limit of up to $50,000.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Daily; can rise to $100,000 and then $200,000 as total spending grows
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%
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
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- 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