Cash App vs Revolut
Both Cash App and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Cash App issues on Visa and Revolut on Visa · Mastercard; both ask for ID only.
Cash App is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Revolut is the better fit for power users who need ad spend and AI subscriptions.
Two cards, one decision
| Field | Cash App | Revolut |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Fintech Wallet | Digital Bank / Neobank |
| KYC | ID only | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free (Standard); Plus £3.99; Premium £7.99; Metal £14.99; Ultra £55 per mo |
| Top-up fee | — | — |
| FX fee | 3% | 0.5% |
| Crypto funding | Yes | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low | Low-Medium |
| Our rating | 8.7 | 9.0 |
| User reviews | 592 | 80 |
| Best for | Streaming · App Store / Play | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- If you wear several hats, Revolut is the more flexible of the pair.
- In our scoring, Revolut finished ahead of Cash App — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, Cash App is the calmer of the two.
Where they split
Run the numbers against your own usage. Cash App runs free to create plus no top-up fee per top-up; Revolut runs free plus no top-up fee. For one or two subscriptions the first column wins; for ad-platform billing and AI subscriptions, the second does.
Questions people ask
That depends on what you spend on. Cash App scores 8.7/10 against Revolut's 9.0/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Cash App is the cheaper card to run. Both Cash App and Revolut issue virtual cards for free.
Cash App asks for ID only at signup; Revolut asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 10 of the same test scenarios, including Hulu, Paramount+, SoundCloud Go+. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Cash App and Revolut both landed in our top picks for 10 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 4
🎮 Gaming 3
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇬🇧 UK — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: