2Fiat vs Revolut
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Revolut wins overall (6.8/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Revolut | |
|---|---|---|
| Overall score | 5.3 | 6.8 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | BTC sold per transaction |
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 0% |
| Monthly fee | none | none |
| Cashback | none | none |
| Regions | GLOBAL | EEA, UK, US, APAC, LATAM, GLOBAL |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Revolut if
- Known fee stack (9.0 vs 0.0 % equivalents on a $500/mo profile)
- Wider documented availability
2Fiat
A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Revolut
The mainstream choice if you want crypto spend inside a full banking app - regulated, mature, multi-plan - but it is a bank card with a crypto side-feature: auto-conversion spreads, plan-based crypto fees and taxable disposals at every payment are the trade-offs.
FAQ
Which is better for privacy, 2Fiat or Revolut?
2Fiat requires no KYC, while Revolut requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
2Fiat: Not documented. Revolut: BTC sold per transaction. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.