ether.fi Cash 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 6.4/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  Revolut | |
|---|---|---|
| Overall score | 6.4 | 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 | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 0% |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | none |
| Regions | US, UK, EEA, APAC, LATAM | EEA, UK, US, APAC, LATAM, GLOBAL |
Pick ether.fi Cash if
- Higher documented cashback (3% vs 0)
Pick Revolut if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
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.