As of September 2026. Revolut's crypto features, fees and country list change, so check their current pricing page before deciding.

What Revolut does well

Revolut is a licensed neobank with excellent UX, salary features, budgeting and a crypto tab where you can buy and sell inside the app. For residents of a supported country who are happy buying crypto in-app, it is a strong product.

Where it falls short for crypto natives

First, residency. Neobanks generally require you to live in one of their supported countries, which leaves out a large part of the world. Second, the crypto tab is usually a walled garden. Depositing from your own wallet into your spending balance is limited or unavailable, and the rules change. Check what is current for your region.

Where Fundly is different

Crypto in, by design. Send USDT, USDC, ETH, SOL, BTC and more from any wallet on 10+ chains. Deposits are converted to EUR or USD at a rate shown before you send, then spent with a card issued by our licensed partner.

Open to more countries. Fundly is built for freelancers, nomads and people whose local banks are slow or closed to them. Our supported list is published before launch.

Instant tier. Email and phone get you a virtual card in minutes, with monthly limits set by our issuing partner. Verify for higher limits, a physical card and the IBAN.

EUR IBAN. After verification, your own IBAN with SEPA and SEPA Instant. Fundly is not a bank; the account is provided by a licensed account partner and funds are safeguarded under its regime.

Fees shown first. Free: 0 EUR a month, 1% deposit fee (min 1 EUR), 1.5% FX. Plus: 7.99 EUR, 0.5% and 0.5%. Premium: 19.99 EUR, 0% deposit and 0% FX. Cashback is a capped launch offer. No hidden spread.

Who should switch

• Your country is not on Revolut's list, or you move around too much to keep a residency.
• You get paid in stablecoins and want to spend them without an exchange in the middle.
• You self-custody and want deposits to come from your wallet, not from an in-app purchase.

Who should stay

• You live in a supported country, get paid in fiat, and only dabble in crypto. Revolut's budgeting, savings and deposit protection matter more to you.
• You need a full banking licence behind your account. Fundly is not a bank and does not offer a deposit guarantee scheme unless the account terms say so.

Many people keep both: Revolut for fiat, Fundly for wallet-funded spending, linked by SEPA. See accounts and pricing.