Revolut vs Xapo Bank
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 5.6/10). The right pick still depends on your priority - see the flow comparison below.
 Revolut |  Xapo Bank | |
|---|---|---|
| Overall score | 6.8 | 5.6 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| 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% | 0% |
| Monthly fee | none | $83.33 |
| Cashback | none | none |
| Regions | EEA, UK, US, APAC, LATAM, GLOBAL | GLOBAL |
Pick Revolut if
- Known fee stack (0.0 vs 16.7 % equivalents on a $500/mo profile)
- Wider documented availability
Pick Xapo Bank if
- you match none of Revolut's edge cases - the closer score makes it the default
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.
Xapo Bank
The only true bank in the comparison: a Gibraltar credit institution with deposit-guaranteed USD, savings interest paid daily in BTC and worldwide card spending with no FX fees. The $1,000/year membership makes it a wealth product, not a spending card - it pays off for balances where the 3.35% yield outruns the fee.