Revolut

Revolut is the Swiss army knife of digital finance: banking, crypto, stock trading and international transfers all in one app. Its Mastercard lets you spend any of your balances, fiat, crypto, or stablecoin, and the app converts automatically at checkout, prioritizing whichever asset you set first in your spending order.

Think of it as a bank account that happens to speak crypto. You never leave the app to manage your money across different platforms. If you want to go from USDC to a restaurant bill in Tokyo without touching anything, Revolut handles it.

1. Sign up with email and complete KYC (required for all tiers).

2. Choose your plan, free Standard plan gives basic crypto access; Metal and Ultra plans unlock cashback and reduced trading fees.

3. Deposit fiat via bank transfer or card, or buy crypto directly in-app.

4. Set your spending priority order in Settings, choose which balance the card draws from first.

5. Pay anywhere Mastercard is accepted, crypto converts to fiat at the point of purchase.

6. Cashback (up to 1%) is credited in the currency of your choice on eligible paid-plan transactions.

Use Revolut when you:

• Want one app for banking, crypto and international transfers without juggling platforms

• Travel frequently and need zero-fee foreign exchange within plan limits

• Already have fiat in the app and want to add crypto exposure on top

• Need a real IBAN and SEPA functionality alongside crypto spending

Not ideal if you:

• Want meaningful cashback, it requires a paid plan (from €9.99/mo)

• Prefer self-custody, all assets are custodial inside Revolut

• Want a pure crypto-focused product, Revolut is primarily a neobank