Revolut began as a fintech startup offering innovative banking services, but has since evolved into a comprehensive financial platform that includes cryptocurrency trading. The integration of crypto functionality allows users to buy, sell, and exchange popular digital assets directly within the app—making it an appealing option for both newcomers and experienced investors. In this in-depth guide, we’ll explore Revolut’s cryptocurrency exchange features, fees, trading limits, security measures, and how it compares to other platforms in 2025.
Key Features of Revolut Crypto Trading
Revolut stands out due to its seamless blend of traditional finance and digital asset services. Here are the core features that define its crypto offering:
Wide Range of Supported Cryptocurrencies
Revolut supports major cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and several others. This variety enables users to diversify their portfolios without needing multiple exchanges.
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Seamless Integration with Banking Services
One of Revolut’s biggest advantages is the deep integration between fiat banking and crypto trading. Users can instantly transfer funds from their GBP, EUR, or USD balances to purchase crypto—no external transfers or lengthy verification processes required.
Intuitive User Interface
The platform is designed with simplicity in mind. Even beginners can navigate the app effortlessly, thanks to clear menus, real-time price charts, and one-tap trading options.
Advanced Security Protocols
Security remains a top priority. Revolut employs multi-factor authentication (MFA), end-to-end data encryption, and stores the majority of user funds in cold wallets to protect against hacks and unauthorized access.
Understanding Revolut Cryptocurrency Fees
While convenience is a major draw, fees are an important consideration when evaluating any crypto platform.
Fee Structure by Account Type
- Standard Account: Users pay up to 2.5% per transaction for buying or selling crypto. This rate includes the spread and markup, making it less competitive compared to dedicated exchanges.
- Premium & Metal Accounts: Subscribers enjoy reduced fees—typically around 1.5%, improving cost-efficiency for active traders.
- Currency Conversion Fees: If you’re purchasing crypto using a currency not held in your account, additional foreign exchange fees may apply.
Factors That Influence Trading Costs
- Market Volatility: During periods of high volatility, spreads may widen, increasing effective trading costs.
- Time of Day: Lower liquidity during off-peak hours can lead to higher markups on trades.
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How Revolut Compares to Other Exchanges
Compared to specialized platforms like Binance or Coinbase, Revolut’s fees are generally higher. However, this reflects its broader service model—combining banking, budgeting, and crypto in one place. For casual investors who value ease over precision pricing, Revolut offers a balanced trade-off.
Trading Limits on Revolut
To ensure compliance and risk management, Revolut imposes certain restrictions based on account type and verification level.
Purchase and Sale Limits
- Standard Accounts: Monthly crypto purchase limits vary by region and regulatory environment. These are typically set at lower thresholds to manage exposure.
- Premium/Metal Accounts: Higher-tier users benefit from increased or even unlimited monthly purchase caps.
Transfer Restrictions
A notable limitation: users cannot withdraw cryptocurrencies to external wallets. All holdings must remain within the Revolut ecosystem, which limits interoperability with DeFi platforms or hardware wallets.
Minimum and Maximum Trade Sizes
Each transaction has defined minimums (e.g., £1 worth of BTC) and maximums to prevent market manipulation and maintain system stability.
Revolut X: A New Era for Crypto Trading
In a significant upgrade, Revolut launched Revolut X, a dedicated crypto exchange designed for more advanced users—particularly in the UK market.
Competitive Fee Model
Revolut X introduces maker-taker pricing:
- Maker fee: 0% – Incentivizes liquidity provision.
- Taker fee: 0.09% – Among the lowest in the industry for retail platforms.
These rates are fixed regardless of trading volume, offering transparency and predictability.
Full Integration with Main App
UK-based users can access Revolut X using their existing credentials. Funds move freely between the main app and Revolut X with no transfer fees or delays, enhancing usability.
Expanded Token Selection
Revolut X lists over 100 tokens, including newer additions like Dash (DASH), reflecting the company’s commitment to listening to user demand and expanding choice.
Regulatory Compliance and Company Overview
Transparency and regulation are critical in today’s financial landscape.
Revolut Ltd is registered in England and Wales (Company No. 08804411) and regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (Registration No. 900562). It also complies with anti-money laundering (AML) regulations under the 2017 UK AML rules.
However, it's important to note:
- Crypto services are registered but not directly regulated by the FCA.
- Commodities trading is unregulated, meaning investor protections may be limited.
Recent regulatory shifts have led Revolut to suspend crypto services for business accounts in the UK and exit the US market temporarily—demonstrating its responsiveness to evolving legal frameworks.
Frequently Asked Questions (FAQ)
Q: Can I withdraw my crypto from Revolut to an external wallet?
A: No. Currently, Revolut does not support outbound crypto transfers. Your assets must stay within the platform.
Q: Is Revolut safe for storing cryptocurrency?
A: Yes. Revolut uses cold storage for most funds and strong encryption protocols. However, because you don’t control private keys, it's not considered self-custodial.
Q: Does Revolut report crypto transactions to tax authorities?
A: Yes. Revolut provides annual tax summaries for users in supported regions, helping with compliance under local tax laws.
Q: What makes Revolut X different from the main app?
A: Revolut X offers lower fees, more tokens, advanced trading tools, and tighter spreads—ideal for active traders.
Q: Are there hidden fees when buying crypto on Revolut?
A: While there are no hidden charges, the quoted price includes a built-in spread (markup), which contributes to the overall 1.5%–2.5% effective fee.
Q: Can I use Revolut for day trading crypto?
A: Possible—but not ideal. High fees and lack of advanced order types make it less suitable than dedicated exchanges.
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Final Thoughts
Revolut has successfully bridged traditional finance and cryptocurrency investing through a user-friendly, secure, and integrated experience. While it may not offer the lowest fees or full wallet control, its strengths lie in accessibility, ease of use, and regulatory compliance—making it a solid choice for beginners or casual investors.
For those seeking deeper functionality, lower costs, or self-custody options, exploring alternatives could be worthwhile. As always, align your platform choice with your investment goals, risk tolerance, and trading frequency.
Whether you're just starting out or scaling your strategy, understanding the ins and outs of platforms like Revolut empowers smarter decisions in the evolving world of digital finance.