Fold Bitcoin Debit Card vs Revolut
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Fold Bitcoin Debit Card |  Revolut | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | BTC sold per transaction |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| ATM fee | 0% | 2% |
| Cashback | not documented | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | US | EEA, UK, US, APAC, LATAM, GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick Fold Bitcoin Debit Card if
- Cheaper ATM withdrawals (0% vs 2%)
Pick Revolut if
- Wider documented availability
Fold Bitcoin Debit Card
The reference bitcoin-back debit card in the US: sats on every swipe, FDIC pass-through on the dollar balance via Sutton Bank, BitGo custody and a Nasdaq-listed parent. Rewards are variable-rate spins rather than a fixed percentage - treat the sats as a bonus, not a yield.
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.
More head-to-heads
FAQ
Which is better for privacy, Fold Bitcoin Debit Card or Revolut?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify