Revolut vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 Revolut |  Vivid Money | |
|---|---|---|
| Overall score | 6.8 | 4.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | BTC sold per transaction | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 0% | 1% |
| Monthly fee | none | none |
| Cashback | none | 4% |
| Regions | EEA, UK, US, APAC, LATAM, GLOBAL | EEA |
Pick Revolut if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Wider documented availability
Pick Vivid Money if
- Higher documented cashback (4% vs 0)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.