COCA vs Revolut
Both COCA and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
COCA issues on Visa and Revolut on Visa · Mastercard; verification is ID + proof at COCA versus ID only at Revolut; only Revolut funds by bank transfer.
COCA is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Revolut is the better fit for power users who need bank-transfer funding and ad spend.
The short version of the matchup
| Field | COCA | Revolut |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | 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 | 0% | 0.5% |
| Crypto funding | Yes | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low-Medium |
| Our rating | 8.9 | 9.0 |
| User reviews | 341 | 80 |
| Best for | All-rounder · AI subscriptions | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The head to head
- Multi-task users get more from Revolut — it clears more of the checkouts we run through our test suite.
- Revolut has the lighter onboarding; COCA will want more documents from you.
- Revolut carries the lower risk flag in our file, which some users prefer for a primary card.
Two cards, one decision
Run the numbers against your own usage. COCA 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 bank-transfer funding and ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. COCA scores 8.9/10 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.
COCA is the cheaper card to run. Both COCA and Revolut issue virtual cards for free; COCA converts currency at 0%.
COCA asks for ID + proof 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 29 of the same test scenarios, including Anthropic API, Suno AI, Perplexity AI. 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
COCA and Revolut both landed in our top picks for 29 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 8
📺 Streaming & Entertainment 7
🧳 Travel & Productivity 4
🛍️ Cross-border Shopping 3
🎮 Gaming 3
Their BIN ranges
Cards issued in 🇳🇱 Netherlands · 🇬🇧 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: