Nexo vs Revolut
Both Nexo and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Both issue on Visa · Mastercard; verification is ID + proof at Nexo versus ID only at Revolut.
Nexo 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 ad spend.
Two cards, one decision
| Field | Nexo | Revolut |
|---|---|---|
| Card network | Visa, Mastercard | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Free (virtual card instant activation) | Free |
| Monthly fee | Free (no monthly/annual/inactivity fee) | Free (Standard); Plus £3.99; Premium £7.99; Metal £14.99; Ultra £55 per mo |
| Top-up fee | 0% | — |
| FX fee | 0.2% (EEA weekday) / 2% elsewhere (2.5% weekend) | 0.5% |
| Crypto funding | Yes (20+ blockchain funding; USDT/USDC/ETH/SOL etc.) | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.3 | 9.0 |
| User reviews | 783 | 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
- Revolut covers a wider spread of use cases; Nexo is more of a single-purpose tool.
- Prefer a short sign-up? Revolut is the lower-friction option here.
- Revolut edged Nexo on our composite rating across fees, risk and merchant tests.
The two, compared
Run the numbers against your own usage. Nexo 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 ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. Nexo scores 8.3/10 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.
Nexo is the cheaper card to run. Both Nexo and Revolut issue virtual cards for free; Nexo reloads at 0%, while Revolut publishes no top-up percentage.
Nexo 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 5 of the same test scenarios, including Suno AI, Pika Labs, Hetzner. 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
Nexo and Revolut both landed in our top picks for 5 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
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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: