PayPaw vs Revolut
Torn between PayPaw and Revolut? The comparison below is built from the same test data we use across the rest of the site.
PayPaw issues on Prepaid (EUR · USD) via Apple · Go and Revolut on Visa · Mastercard; verification is No KYC at PayPaw versus ID only at Revolut; only Revolut funds by bank transfer.
Revolut is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. PayPaw still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Side by side
| Field | PayPaw | Revolut |
|---|---|---|
| Card network | Prepaid (EUR/USD) via Apple/Google Pay | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | No KYC | ID only |
| Card issuance fee | 3% + $2 flat | 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% (foreign currency conversion) | 0.5% |
| Crypto funding | Yes (Solana: SOL/USDC/USDT/BONK) | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | High | Low-Medium |
| Our rating | 8.6 | 9.0 |
| User reviews | 284 | 80 |
| Best for | App Store / Play · Crypto funded | 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
- If the monthly outgoings matter, Revolut leaves more in your pocket than PayPaw.
- Revolut shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- PayPaw asks for less verification up front, which matters if you want a card live the same day.
- In our scoring, Revolut finished ahead of PayPaw — 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.
Where they split
Run the numbers against your own usage. Revolut runs free to create plus no top-up fee per top-up; PayPaw runs about $3 plus no top-up fee. For one or two subscriptions the first column wins; for the rows where it leads in the table, the second does.
Questions people ask
That depends on what you spend on. PayPaw 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.
Revolut works out cheaper: no virtual card issuance fee, free account maintenance. PayPaw adds about $3 per virtual card, a 2% FX fee.
PayPaw asks for No KYC 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 Blizzard Entertainment, App Store. 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
PayPaw 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:
🎮 Gaming 2
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:
| Card | BIN | Network | Attempts | Cleared | Rate | Weeks tracked |
|---|---|---|---|---|---|---|
| Revolut | 510111 | Mastercard | 141 | 100 | 71% | 6 |