Ramp vs Revolut
Torn between Ramp and Revolut? The comparison below is built from the same test data we use across the rest of the site.
Ramp issues on Visa and Revolut on Visa · Mastercard; both ask for ID only; only Revolut takes crypto top-ups.
Ramp 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.
The short version of the matchup
| Field | Ramp | Revolut |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | B2B Expense / Corporate | Digital Bank / Neobank |
| KYC | ID only | 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 | ChatGPT / Claude / Midjourney |
| Risk level | Low | Low-Medium |
| Our rating | 9.1 | 9.0 |
| User reviews | 550 | 80 |
| Best for | Ad spend · 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.
Two cards, one decision
- Multi-task users get more from Revolut — it clears more of the checkouts we run through our test suite.
- Revolut can sit on a crypto balance; Ramp cannot, so the call depends on how you fund it.
- Ramp carries the lower risk flag in our file, which some users prefer for a primary card.
Side by side
Run the numbers against your own usage. Ramp 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, the second does.
Questions people ask
That depends on what you spend on. Ramp scores 9.1/10 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.
Ramp is the cheaper card to run. Both Ramp and Revolut issue virtual cards for free; Ramp converts currency at 0%.
Ramp 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 14 of the same test scenarios, including OnlyFans, AliExpress, Google Cloud Platform. 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
Ramp and Revolut both landed in our top picks for 14 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 7
🌐 Cloud & VPS 3
🧳 Travel & Productivity 2
📺 Streaming & Entertainment 1
🛍️ Cross-border Shopping 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇬🇧 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: