Figo vs Revolut
Torn between Figo and Revolut? The comparison below is built from the same test data we use across the rest of the site.
Figo issues on Visa (US BIN) and Revolut on Visa · Mastercard; verification is ID + proof at Figo versus ID only at Revolut.
Revolut is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Figo still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Where they split
| Field | Figo | Revolut |
|---|---|---|
| Card network | Visa (US BIN) | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | $2 (limited-time 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 | 2% + $0.6 intl | 0.5% |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low-Medium |
| Our rating | 8.2 | 9.0 |
| User reviews | 851 | 80 |
| Best for | Ad spend · Streaming | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Revolut costs less to keep open, so it is the one to reach for if you are watching your budget.
- If you wear several hats, Revolut is the more flexible of the pair.
- Revolut has the lighter onboarding; Figo will want more documents from you.
- In our scoring, Revolut finished ahead of Figo — not by a mile, but enough to tilt a tiebreak.
- Revolut carries the lower risk flag in our file, which some users prefer for a primary card.
Side by side
Revolut is the cheaper card to hold: free to create and no top-up fee, against about $2 and no top-up fee at Figo. Figo earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 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.
Revolut works out cheaper: no virtual card issuance fee, free account maintenance. Figo adds about $2 per virtual card, a 2% FX fee.
Figo 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 3 of the same test scenarios, including Twitch, Taboola, Outbrain. 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
Figo and Revolut both landed in our top picks for 3 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇬🇧 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: