Moss vs Revolut
Both Moss and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Moss issues on Mastercard Debit and Revolut on Visa · Mastercard; verification is ID + proof at Moss versus ID only at Revolut; only Revolut takes crypto top-ups.
Moss 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 crypto funding and AI subscriptions.
Side by side
| Field | Moss | Revolut |
|---|---|---|
| Card network | Mastercard Debit | Visa, Mastercard |
| Card type | B2B Expense / Corporate | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Unlimited virtual cards | 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% (international transactions) | 0.5% |
| Crypto funding | No | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low-Medium |
| Our rating | 6.7 | 9.0 |
| User reviews | 802 | 80 |
| Best for | Ad spend · 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.
The two, compared
- Multi-task users get more from Revolut — it clears more of the checkouts we run through our test suite.
- Revolut has the lighter onboarding; Moss will want more documents from you.
- Revolut can sit on a crypto balance; Moss cannot, so the call depends on how you fund it.
- Revolut edged Moss on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Revolut is the calmer of the two.
What sets them apart
Moss is the cheaper card to hold: unlimited virtual cards to create and no top-up fee, against free and no top-up fee at Revolut. Revolut earns its keep only if you need crypto funding and AI subscriptions.
Questions people ask
That depends on what you spend on. Moss scores 6.7/10 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.
Moss is the cheaper card to run. Moss converts currency at 2%.
Moss 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 TikTok Ads, X Ads. 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
Moss 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:
📈 Ad Platforms 2
Their BIN ranges
Cards issued in 🇩🇪 Germany · 🇬🇧 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: