Revolut vs Cash App
Torn between Revolut and Cash App? The comparison below is built from the same test data we use across the rest of the site.
Revolut issues on Visa · Mastercard and Cash App on Visa; verification is ID only at Revolut versus ID + proof at Cash App; only Revolut takes crypto top-ups.
Revolut is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Cash App still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Two cards, one decision
| Field | Revolut | Cash App |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Digital Bank / Neobank | Fintech Wallet |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Standard); Plus £3.99; Premium £7.99; Metal £14.99; Ultra £55 per mo | Free |
| Top-up fee | Not disclosed by issuer | Not disclosed by issuer |
| FX fee | 0.5% | 3% |
| Crypto funding | Yes | No (card spends USD; BTC held separately, sold to USD before spend) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low |
| Our rating | 8.6 | 8.0 |
| User reviews | 80 | 592 |
| Best for | All-rounder · Ad spend | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Revolut covers a wider spread of use cases; Cash App is more of a single-purpose tool.
- Revolut has the lighter onboarding; Cash App will want more documents from you.
- Revolut can sit on a crypto balance; Cash App cannot, so the call depends on how you fund it.
- Revolut edged Cash App on our composite rating across fees, risk and merchant tests.
- Cash App carries the lower risk flag in our file, which some users prefer for a primary card.
What sets them apart
Both cards clear the same checkouts in our tests, so the call comes down to cost. Revolut is cheaper on issuance (free) and top-ups (no top-up fee), while Cash App is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Revolut scores 8.6/10 against Cash App's 8.0/10 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 is the cheaper card to run. Both Revolut and Cash App issue virtual cards for free.
Revolut asks for ID only at signup; Cash App asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 95 of the same test scenarios, including ChatGPT Plus, OpenAI API, Claude.ai. 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
Revolut and Cash App both landed in our top picks for 95 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 20
📺 Streaming & Entertainment 20
🛍️ Cross-border Shopping 15
🌐 Cloud & VPS 15
🎮 Gaming 15
🧳 Travel & Productivity 10
Their BIN ranges
Cards issued in 🇬🇧 UK · 🇺🇸 US — 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: