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 | |
|---|---|---|
| Overall score | 3.8 | 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 | Basic KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| Cashback | none | none |
| Regions | GLOBAL | EEA, UK, US, APAC, LATAM, GLOBAL |
Pick Moon if
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning top-up support
Pick Revolut if
- 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.
FAQ
Which is better for privacy, Moon or Revolut?
Moon requires Basic 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?
Moon: 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.