Moon 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 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 Moon |  Revolut | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) + Lightning | BTC via in-app conversion |
| Lightning funding | yes - loads the card | no |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| ATM fee | not documented | 2% |
| Cashback | none | none |
| Privacy & custody | ||
| KYC | Basic 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 | GLOBAL | EEA, UK, US, APAC, LATAM, GLOBAL |
| Network | Visa | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Moon if
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning funding that actually loads the card
Pick Revolut if
- Physical card option
- Wider documented availability
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
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, Moon or Revolut?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-20 · How we verify