MyFin vs Revolut
Two virtual cards people weigh up side by side. We put MyFin and Revolut on the same rows so the difference is easy to see.
Both issue on Visa · Mastercard; both ask for ID only; only Revolut takes crypto top-ups.
MyFin 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.
Where they split
| Field | MyFin | Revolut |
|---|---|---|
| Card network | Visa, Mastercard | Visa, Mastercard |
| Card type | Digital Bank / Neobank | Digital Bank / Neobank |
| KYC | ID only | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | 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 |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.8 | 9.0 |
| User reviews | 376 | 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.
Two cards, one decision
- If you wear several hats, Revolut is the more flexible of the pair.
- Only Revolut takes crypto top-ups in our data — worth knowing before you decide.
Side by side
Run the numbers against your own usage. MyFin 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 crypto funding and ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. MyFin scores 8.8/10 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.
MyFin is the cheaper card to run. Both MyFin and Revolut issue virtual cards for free; MyFin converts currency at 0%.
MyFin 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 7 of the same test scenarios, including eBay, AliExpress, Cloudflare. 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
MyFin and Revolut both landed in our top picks for 7 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 2
🎮 Gaming 2
🧳 Travel & Productivity 2
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇬🇧 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: