Klarna Card vs Revolut
Both Klarna Card and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Klarna Card issues on Visa and Revolut on Visa · Mastercard; verification is ID + proof at Klarna Card versus ID only at Revolut; only Revolut takes crypto top-ups.
Klarna Card 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 crypto funding and ad spend and AI subscriptions.
Side by side
| Field | Klarna Card | Revolut |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Fintech Wallet | 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 | No | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low-Medium |
| Our rating | 8.6 | 9.0 |
| User reviews | 820 | 80 |
| Best for | App Store / Play · Free issuance | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- Revolut shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Revolut has the lighter onboarding; Klarna Card will want more documents from you.
- Only Revolut takes crypto top-ups in our data — worth knowing before you decide.
- Revolut edged Klarna Card on our composite rating across fees, risk and merchant tests.
- Revolut carries the lower risk flag in our file, which some users prefer for a primary card.
What sets them apart
Both cards clear the same checkouts in our tests, so the call comes down to cost. Klarna Card is cheaper on issuance (free) and top-ups (no top-up fee), while Revolut is worth the premium only for crypto funding and ad-platform billing.
Questions people ask
That depends on what you spend on. Klarna Card scores 8.6/10 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.
Klarna Card is the cheaper card to run. Both Klarna Card and Revolut issue virtual cards for free; Klarna Card converts currency at 0%.
Klarna Card 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 2 of the same test scenarios, including Shein, Booking.com. 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
Klarna Card and Revolut both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇬🇧 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: