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Revolut is the superior choice for European users who want an all-in-one financial super-app with ultra-low crypto trading fees (0.09% on Revolut X), while Crypto.com dominates for crypto-focused users seeking deep ecosystem features like 400+ coins, zero trading fees through Level Up, up to 13% staking APY, and an 8% cashback Visa card. Both platforms have transformed significantly in 2025-2026, evolving into powerful financial ecosystems that serve distinctly different user needs. This comprehensive comparison analyzes fees, features, security, earning potential, and real-world performance to help you choose the right platform for 2026.
| Feature | Revolut | Crypto.com |
|---|---|---|
| Founded | 2015 (London, UK) | 2016 (Singapore) |
| Global Users | 65+ million (12M crypto users) | 100+ million |
| Valuation (2025) | $75 billion | $15 billion (est.) |
| Supported Cryptos | 230+ (500+ pairs on Revolut X) | 400+ |
| Trading Fees | 0%–1.49% (app); 0.09% taker on Revolut X | 0%–0.50% (Level Up); 0.25%/0.50% base |
| Minimum Trade | £1 / €1 / $1 | $1 / €1 / £1 |
| Crypto Withdrawal | Yes (Revolut X only) | Yes (both app & exchange) |
| DeFi Access | No | Yes (DeFi Wallet) |
| Staking Options | 6 tokens, up to 9% APY | 30+ tokens, up to 13% APY |
| Visa Card Cashback | Up to 1% (multi-currency focus) | Up to 8% in CRO |
| Banking Services | Full banking (IBAN, direct debits, loans) | Limited (fiat wallet only) |
| Stock Trading | Yes (commission-free on select plans) | Coming 2026 (tokenized stocks) |
| Advanced Trading | Revolut X (separate app) | Crypto.com Exchange (web/mobile) |
| Regulation | FCA (UK), EBA (EU), 40+ banking licenses | Licensed in 100+ countries |
Platform Overview: Traditional Finance vs Crypto-First
Revolut is a London-based fintech unicorn valued at $75 billion that revolutionized mobile banking before expanding into crypto. With 65+ million global users as of late 2025, Revolut's core strength lies in seamlessly integrating traditional banking, multi-currency services, stock investing, and cryptocurrency within a single, beautifully designed app. The platform's crypto offering evolved dramatically with the March 2025 launch of Revolut X—a dedicated exchange app offering institutional-grade trading with 0.09% taker fees and zero spread, putting it on par with Binance and Kraken for European traders.
Crypto.com is a Singapore-headquartered crypto-native platform that has built one of the industry's most comprehensive ecosystems. With 100+ million users and a mission to accelerate global crypto adoption, Crypto.com offers everything from beginner-friendly app trading to institutional derivatives, NFT marketplaces, and DeFi integration. The September 2025 launch of its revamped "Level Up" program transformed the platform's value proposition by introducing zero trading fees, enhanced CRO rewards, and on-chain staking with yields up to 13% APY. The platform is licensed in over 100 countries and continues expanding globally while maintaining regulatory compliance.
Trading Fees: The Critical Cost Comparison
Trading fees can dramatically impact your long-term returns, making this the most important factor for active traders. Both platforms have evolved their fee structures significantly in 2025-2026.
Revolut's tiered structure: The main app charges 0.49%–1.49% depending on your subscription plan (Standard: 1.49%, Plus: 1.29%, Premium: 0.99%, Metal: 0.49%, Ultra: 0% above €250,000 monthly volume). However, Revolut X transforms the equation with a flat 0.09% taker fee and 0% maker fee with zero spread—making it one of Europe's most cost-effective trading platforms regardless of volume.
Crypto.com's Level Up advantage: The revamped Level Up program offers zero trading fees for Level 2+ members (requiring $400/month subscription or CRO staking), while base exchange fees remain at 0.25% maker / 0.50% taker. App trading through "buy/sell" carries higher spreads (~1-2%) similar to Coinbase, but the exchange platform is competitive for active traders.
| Fee Type | Revolut (App) | Revolut X | Crypto.com App | Crypto.com Exchange |
|---|---|---|---|---|
| Beginner Trading | 0.49%–1.49% | 0.09% taker | 1.5%–3% spread | 0.25%/0.50% |
| Advanced Trading | N/A | 0%/0.09% (maker/taker) | N/A | 0%–0.50% (Level Up tiers) |
| Fiat Deposit | Free (bank transfer) | Free (bank transfer) | Free (ACH); 2.99% card | Free (bank wire) |
| Crypto Withdrawal | Not supported | £1–£3 + network | Network fee only | Network fee only |
| Currency Conversion | Interbank rate (weekends +0.5%) | N/A | ~1% spread | Minimal |
| Inactivity Fee | None | None | None | $10/month after 180 days |
Winner: Revolut (via Revolut X) for European traders prioritizing low fees. The 0.09% flat fee with zero spread undercuts most major exchanges. However, Crypto.com's Level Up zero-fee structure can be more economical for users who meet staking requirements and want broader ecosystem benefits.
Cryptocurrency Selection and Trading Pairs
Asset availability directly impacts your investment strategy, especially for altcoin traders and DeFi enthusiasts. Both platforms have expanded their offerings significantly, but with different focuses.
Crypto.com leads in selection: With 400+ cryptocurrencies spanning every major category—DeFi tokens, layer-1 blockchains, meme coins, NFT projects, and enterprise crypto—Crypto.com offers one of the industry's broadest selections. The platform typically lists new projects within days of major exchange debuts and supports trading across USD, EUR, GBP, and 20+ other fiat currencies. Popular additions in 2025 include emerging AI tokens, real-world asset (RWA) projects, and next-generation gaming cryptocurrencies.
Revolut covers essentials plus growth assets: Supporting 230+ cryptocurrencies through the main app and 500+ trading pairs on Revolut X, Revolut prioritizes quality over quantity. The selection includes all major cryptocurrencies (Bitcoin, Ethereum, BNB, Solana, Cardano) plus popular altcoins that retail investors commonly trade. While you won't find the newest micro-cap tokens immediately, Revolut ensures thorough vetting before listing, reducing exposure to potential scams or rug pulls.
| Category | Revolut | Crypto.com |
|---|---|---|
| Total Assets | 230+ (app), 500+ pairs (Revolut X) | 400+ |
| Major Cryptocurrencies | All top 50 | All top 100 |
| DeFi Tokens | Popular ones (UNI, AAVE, COMP) | Comprehensive selection |
| Meme Coins | DOGE, SHIB, PEPE | Extensive selection |
| New Listings Speed | Conservative (2-4 weeks) | Fast (24-72 hours) |
| Regional Restrictions | Minimal (FCA compliant) | Varies by jurisdiction |
| Fiat Pairs | USD, EUR, GBP | USD, EUR, GBP + 20 others |
Winner: Crypto.com for traders seeking maximum choice and early access to emerging tokens. Revolut wins for investors who prefer a curated, safety-focused selection.
Security, Regulation, and Asset Protection
Security is paramount in crypto, where lost funds cannot be recovered. Both platforms implement institutional-grade protection, but with different regulatory frameworks and insurance structures.
Revolut's banking-grade security: As a fully licensed bank in multiple jurisdictions, Revolut operates under some of the world's strictest financial regulations. UK users benefit from Financial Services Compensation Scheme (FSCS) protection up to £85,000 on fiat deposits, while EU users have deposit guarantees up to €100,000. Crypto assets are stored using bank-grade cold storage, multi-signature wallets, and hardware security modules (HSMs). Revolut's 2024 IPO preparation subjected it to additional regulatory scrutiny, enhancing transparency and compliance standards.
Crypto.com's crypto-native approach: Licensed in 100+ countries with regulatory approvals including CFTC registration in the US, Crypto.com maintains SOC 2 Type II, ISO 27001, and PCI DSS Level 1 certifications. The platform stores 100% of user crypto deposits in cold storage across geographically distributed facilities. A $750 million insurance fund through Lloyd's of London covers cold storage assets against theft or loss. The optional DeFi Wallet provides self-custody for users who prefer controlling their private keys.
| Security Measure | Revolut | Crypto.com |
|---|---|---|
| Primary Regulation | FCA (UK), EBA (EU), 40+ banking licenses | 100+ country licenses, CFTC (US) |
| Deposit Protection | £85K FSCS (UK), €100K (EU) | Not applicable (not a bank) |
| Crypto Insurance | Bank-grade custody protection | $750M Lloyd's fund (cold storage) |
| Asset Storage | Cold storage majority + HSMs | 100% cold storage (user funds) |
| Security Certifications | PCI DSS, ISO 27001 | SOC 2 Type II, ISO 27001, PCI DSS Level 1 |
| Multi-Factor Auth | Biometric + PIN + device binding | 2FA app + biometric + anti-phishing code |
| Self-Custody Option | No (except Revolut X withdrawals) | Yes (DeFi Wallet) |
| Audit Transparency | Bank regulatory reports | Third-party security audits |
Winner: Tie with different strengths. Revolut excels in traditional financial protection and banking regulation. Crypto.com leads in crypto-specific security measures and self-custody options. Choose based on your preference for banking (Revolut) vs crypto-native (Crypto.com) security models.
Staking and Earning: Passive Income Potential
Earning passive income from crypto holdings has become a primary driver for many investors. Both platforms significantly enhanced their staking programs in 2025, but with contrasting approaches and yield potential.
Crypto.com's Level Up ecosystem: The September 2025 relaunch introduced on-chain staking for 30+ tokens with market-leading yields up to 13% APY. CRO staking offers up to 9.5% APY with 12-month locks, while ETH liquid staking provides ~4-6% APY. US users access up to 5% APY on USD cash balances through Level Up, competing with traditional high-yield savings accounts. The program integrates staking rewards with card benefits and trading fee reductions, creating compounding value for active users.
Revolut's curated approach: Revolut offers staking on six carefully selected proof-of-stake tokens: ETH, SOL, ADA, DOT, POL (Polygon), and XTZ (Tezos). Yields range from 3-9% APY with flexible unstaking options—no lock-up periods required. While the selection is smaller, Revolut's banking infrastructure ensures reliable payouts and transparent terms. Staking rewards are automatically compounded and visible in real-time within the app.
| Platform | Revolut | Crypto.com |
|---|---|---|
| Stakeable Tokens | 6 (ETH, SOL, ADA, DOT, POL, XTZ) | 30+ (including CRO, ETH, BTC, SOL) |
| Maximum APY | 9% (varies by token) | 13% (varies by token and tier) |
| Minimum Stake | £1 equivalent | $1 equivalent |
| Lock-up Periods | None (flexible unstaking) | Varies (1-12 months for max yields) |
| Reward Frequency | Daily compounding | Daily/weekly (token dependent) |
| Fiat Earning | No | Yes (5% APY on USD via Level Up) |
| Auto-Compound | Yes | Optional |
| Early Unstaking | Always available | Varies by product (penalties may apply) |
Winner: Crypto.com for earning potential and variety. The Level Up program offers significantly higher yields, more staking options, and integrated benefits. Revolut wins for simplicity and flexibility.
Debit Cards and Real-World Spending
Crypto debit cards bridge digital assets and everyday spending, making this a crucial differentiator for practical crypto adoption. Both platforms offer compelling cards but target different user behaviors.
Crypto.com Visa Card superiority: The Crypto.com Visa card remains the industry gold standard for crypto rewards, offering up to 8% cashback in CRO tokens. The five-tier structure (Ruby Steel through Obsidian) unlocks increasingly generous benefits including free Netflix, Spotify, Amazon Prime subscriptions, airport lounge access, and private jet partnerships at the highest levels. Level Up integration in 2025 enhanced earning potential while reducing minimum CRO staking requirements for entry-level tiers.
| Card Tier | CRO Stake | Cashback Rate | Key Benefits |
|---|---|---|---|
| Midnight Blue | $0 | 1% on first $100 | Basic card access |
| Ruby Steel | $400 | 2% | Free Spotify, airport lounge 4x/year |
| Royal Indigo | $4,000 | 3% | Netflix + Spotify, monthly lounge access |
| Frosted Rose Gold | $40,000 | 5% | Amazon Prime + above, unlimited lounge |
| Obsidian | $400,000 | 8% | Private jet partnerships, concierge |
Revolut's multi-currency focus: Revolut's card excels at traditional spending with crypto as an additional option. You can spend in 150+ currencies at interbank rates, create disposable virtual cards for security, and earn up to 1% cashback on Metal subscriptions (higher on Ultra). The card automatically converts between currencies and crypto holdings at favorable rates, though crypto spending incurs conversion spreads.
Winner: Crypto.com for crypto-focused rewards and premium benefits. Revolut wins for international spending and general financial management.
Mobile Experience and Platform Design
User experience often determines long-term platform satisfaction. Both apps excel but serve different user journeys and complexity preferences.
Revolut's super-app mastery: Revolut's app represents the pinnacle of fintech design, seamlessly integrating banking, investing, crypto, budgeting, and lifestyle features. The interface feels familiar to banking app users while providing powerful functionality. Crypto features blend naturally into the broader financial ecosystem—you can trade Bitcoin, pay bills, and check spending analytics without switching mental contexts. The 4.8-star rating across app stores reflects its intuitive design and reliability.
Crypto.com's feature-rich complexity: Crypto.com's app packs tremendous functionality but can overwhelm newcomers. The recent 2025 redesign improved navigation by organizing features into clear sections: Trade, Earn, Card, DeFi, and NFTs. Advanced traders appreciate the integrated charting, order book access, and portfolio analytics. The separate Exchange app provides desktop-grade functionality on mobile. Ratings improved to 4.6+ stars following UI enhancements.
Winner: Revolut for overall user experience and onboarding. Crypto.com wins for crypto-specific functionality and advanced trading features.
Additional Features: Banking vs Crypto Ecosystem
Beyond core trading, these platforms offer complementary services that can determine which becomes your primary financial app.
| Feature Category | Revolut | Crypto.com |
|---|---|---|
| Traditional Banking | Full service (IBAN, direct debits, loans, savings) | Fiat wallet only |
| Stock Trading | Commission-free (select plans) | Coming 2026 (tokenized stocks) |
| Budgeting Tools | Advanced (spending insights, vaults, round-ups) | None |
| International Transfers | Free transfers in 30+ currencies | Limited |
| Business Accounts | Full business banking suite | Not available |
| NFT Marketplace | None | Integrated platform |
| DeFi Integration | None | DeFi Wallet, yield farming |
| Derivatives Trading | None | Futures, options (CFTC regulated) |
| API Access | None | Professional trading APIs |
| Educational Content | Financial literacy focus | Crypto University, research |
Geographic Availability and Regulatory Compliance
Platform availability varies significantly by region, affecting access to specific features and regulatory protections.
Revolut's regulated expansion: Available in 48 countries with full banking licenses in the UK, Lithuania, and expanding EU presence. The 2025 US soft launch provides limited crypto trading, with full banking planned for 2026. Brexit complications led to separate EU entity operations, but service continuity remains strong. Australian, Canadian, and Singapore expansions are planned for late 2026.
Crypto.com's global reach: Licensed in 100+ countries with varying feature availability. US users access full exchange functionality but limited staking options due to regulatory constraints. EU users benefit from complete feature access under MiCA compliance. Some Asian markets face periodic feature restrictions due to evolving regulations.
Winner: Crypto.com for global availability, Revolut for depth in served markets.
Customer Support and Community
Reliable support becomes critical during market volatility or account issues. Both platforms have invested heavily in support infrastructure, but with different approaches.
Revolut's comprehensive support: 24/7 in-app chat support in 15+ languages, phone support for Premium+ subscribers, and community forums. Response times average 2-3 minutes for urgent issues. The extensive help center covers 90%+ of common questions. Phone support quality is consistently rated among fintech leaders.
Crypto.com's scaling challenges: 24/7 support via chat and email, with phone support for card issues. High trading volumes sometimes lead to delayed response times (10-30 minutes). The recent addition of callback options and priority support for staked users improved satisfaction ratings. Strong community presence on Discord, Telegram, and Reddit.
Winner: Revolut for support quality and response times.
Who Should Choose Revolut in 2026?
Revolut is the ideal choice for users seeking a comprehensive financial platform where crypto is one important component among many. It's particularly suited for:
- European active traders who want ultra-low fees via Revolut X (0.09% taker, 0% maker)
- Multi-currency users and frequent travelers valuing fee-free international spending in 150+ currencies
- Banking-first users who want traditional financial services plus crypto in one elegant app
- Stock and crypto investors seeking commission-free trading across asset classes
- UK residents benefiting from FCA regulation, FSCS protection, and full banking services
- Financial wellness enthusiasts who value budgeting tools, savings features, and spending insights
- Simplicity seekers who prefer curated coin selection and intuitive interfaces over complexity
Who Should Choose Crypto.com in 2026?
Crypto.com excels for users who prioritize crypto-first experiences and want to maximize their digital asset potential. It's the best choice for:
- Crypto maximalists who want 400+ coins, zero trading fees (Level Up), and fastest new token listings
- Rewards enthusiasts seeking up to 8% card cashback, free subscriptions, and premium benefits
- Yield farmers who want 13% APY staking across 30+ tokens with flexible earning strategies
- DeFi participants needing non-custodial wallets, yield farming, and DEX integration
- Advanced traders requiring derivatives, futures, margin trading, and professional APIs
- NFT collectors who want integrated marketplace access and digital collectible management
- Global users in countries where Revolut isn't available but comprehensive crypto services are needed
Final Verdict: Category-by-Category Winners
| Category | Winner | Key Advantage |
|---|---|---|
| Trading Fees | Revolut | Revolut X: 0.09% taker beats Crypto.com's base 0.50% |
| Free Trading | Crypto.com | Level Up offers true zero fees vs Revolut's volume requirements |
| Cryptocurrency Selection | Crypto.com | 400+ coins vs 230+, faster new listings |
| Security & Regulation | Tie | Banking licenses (Revolut) vs crypto-native security (Crypto.com) |
| Earning Potential | Crypto.com | 13% APY staking + 8% card cashback vs 9% staking + 1% cashback |
| User Experience | Revolut | Superior app design, banking integration, 4.8-star rating |
| Banking Features | Revolut | Full banking suite vs fiat wallet only |
| Advanced Crypto Features | Crypto.com | DeFi, NFTs, derivatives vs basic spot trading |
| Beginner Friendliness | Revolut | Familiar banking interface, simpler onboarding |
| Global Availability | Crypto.com | 100+ countries vs 48 countries |
Bottom line: Choose Revolut if you want a beautifully designed super-app that combines world-class banking with competitive crypto trading at 0.09% fees via Revolut X. Choose Crypto.com if crypto is your primary focus and you want zero trading fees, maximum earning potential (13% staking APY + 8% card cashback), and access to the full spectrum of digital assets and DeFi tools. Both platforms excel in their respective domains—the right choice depends on whether you prioritize financial breadth (Revolut) or crypto depth (Crypto.com).
Alternative Platforms Worth Considering
If neither platform perfectly matches your needs, consider these specialized alternatives:
- Binance — The world's largest exchange with 0.10% base fees, 600+ coins, and unmatched feature depth. Not available in all jurisdictions. Read our Binance review.
- Kraken — Security-first exchange with 0.16% maker fees, excellent staking (15%+ on some tokens), and superior customer support. Read our Kraken review.
- Coinbase — US market leader with regulatory clarity, institutional custody, and beginner-friendly onboarding despite higher fees. Read our Coinbase review.
- Gemini — Regulatory-compliant US exchange with free withdrawals and institutional-grade security. Read our Gemini review.
- Bybit — Derivatives specialist with up to 100x leverage and competitive trading fees for advanced strategies.
- Nexo — Crypto lending focus with 16%+ APY earning potential and instant loans against crypto collateral.
Frequently Asked Questions
Which platform offers lower trading fees, Revolut or Crypto.com?
Revolut offers lower base trading fees through Revolut X at 0.09% taker (0% maker) compared to Crypto.com's base 0.25% maker / 0.50% taker rates. However, Crypto.com's Level Up program provides zero trading fees for qualified users (requiring $400/month subscription or equivalent CRO staking), which can be cheaper for active traders. For casual European traders, Revolut X wins on fees. For committed crypto users meeting Level Up requirements, Crypto.com's zero fees are unbeatable.
Is Revolut safer than Crypto.com for storing cryptocurrency?
Both platforms offer institutional-grade security but with different regulatory frameworks. Revolut operates under strict banking regulations with FSCS protection (£85,000) for UK users and deposit guarantees up to €100,000 for EU users, though this covers fiat only. Crypto.com stores 100% of crypto deposits in cold storage with $750M Lloyd's insurance coverage. Revolut excels in traditional financial protection; Crypto.com leads in crypto-specific security measures and offers self-custody via DeFi Wallet. Both are very safe—choose based on regulatory preference.
Can I withdraw crypto from Revolut like I can with Crypto.com?
Crypto withdrawal support differs between Revolut's offerings: the main app doesn't support crypto withdrawals to external wallets, but Revolut X (the dedicated trading platform) does support withdrawals for £1-£3 plus network fees. Crypto.com supports crypto withdrawals from both the app and exchange platform for just network fees. If self-custody is important, Crypto.com provides more flexibility, though Revolut X now offers this functionality for serious traders.
Which platform offers better staking rewards?
Crypto.com significantly outperforms Revolut for staking rewards, offering up to 13% APY across 30+ tokens compared to Revolut's 9% maximum across 6 tokens. Crypto.com's Level Up program also provides additional benefits like zero trading fees and enhanced card rewards for stakers. However, Revolut offers flexible unstaking (no lock-up periods) versus Crypto.com's 1-12 month commitments for maximum yields. Choose Crypto.com for maximum returns, Revolut for flexibility.
Does Revolut have a crypto credit card like Crypto.com's Visa card?
Revolut doesn't offer a dedicated crypto rewards card but allows crypto spending through their regular Visa/Mastercard with currency conversion. Crypto.com's purpose-built Visa card offers superior crypto benefits: up to 8% CRO cashback, free Netflix/Spotify/Amazon Prime subscriptions, and airport lounge access. For crypto-specific rewards and premium perks, Crypto.com's card is unmatched. Revolut's card excels for multi-currency spending and general financial management.
Which is better for beginners: Revolut or Crypto.com?
Revolut is significantly more beginner-friendly due to its familiar banking-style interface, intuitive navigation, and gradual introduction to crypto alongside traditional financial services. The 4.8-star app rating reflects its excellent user experience. Crypto.com can overwhelm newcomers with its extensive feature set (trading, staking, DeFi, NFTs, cards) but offers comprehensive educational resources through Crypto University. Start with Revolut if you want simplicity; choose Crypto.com if you're motivated to learn the full crypto ecosystem from day one.
What happens if Revolut or Crypto.com goes out of business?
Both platforms have different protection mechanisms. Revolut, as a licensed bank, segregates customer funds from company assets—fiat deposits are protected by government deposit schemes (FSCS in UK, up to €100K in EU), while crypto holdings would be part of bankruptcy proceedings. Crypto.com, not being a bank, stores user crypto in segregated cold storage, which should theoretically remain accessible to users even in bankruptcy. However, the $750M Lloyd's insurance specifically covers cold storage theft/loss, not company insolvency. Neither scenario is likely given both companies' strong financial positions and regulatory compliance.
Can I use both Revolut and Crypto.com together?
Yes, many users leverage both platforms strategically: Revolut for daily banking, stock investing, and low-fee crypto trading via Revolut X, while using Crypto.com for advanced crypto features like DeFi, high-yield staking, and premium card rewards. This combination provides banking convenience (Revolut) plus crypto ecosystem depth (Crypto.com). Consider the administrative overhead of managing two platforms and potential tax complexity from multiple trading venues.
Which platform is better for long-term crypto investing?
For long-term crypto investing (buy and hold), Crypto.com offers superior earning potential through its staking programs (up to 13% APY), CRO card rewards, and compound benefits via Level Up. Revolut works well for simple DCA strategies with lower fees via Revolut X but lacks advanced earning mechanisms. If you want to actively grow your holdings through staking and rewards, choose Crypto.com. If you prefer simple accumulation with minimal management, Revolut X provides a cleaner experience with competitive fees.
