Revolut is one of the most successful digital payment systems in the world.
In only a couple of years, their growth has surpassed anyone’s expectations.
Their low-fee approach and focus on new technology have made them appealing to anyone that has access to their services.
But for those who don’t have access to Revolut…
Or have their accounts blocked (that happens more often than you would think)…
Or simply need an alternative….
We’ve explored some of their direct competitors to help you find the best Revolut alternative.
So, in this post you will find several options you might want to consider.
It’s true, Revolut’s customer support is a nightmare to deal with.
My own account has been blocked for more than 10 months and not a single person in their support department knows when the account will be re-enabled.
Save yourself the headaches and consider these other cards like Revolut. I have been using them for years and haven’t had a single issue.
So, yeah, it’s safe to say that finding Apps like Revolut is a good idea.
Cards like Revolut for daily use
As I haven’t had any problems with these cards, I am very confident that they can be recommended to anyone.
Editor’s Top Picks
Here you go.
See which criteria are the most important to you and get the card or cards you prefer.
*In my case, I am using all of them because each serves a different purpose.
 |  |  | |
Free Card? | Yes | No, it costs $5 | Yes |
Sign-up Bonuss |  Get 5 €/£ when you sign-up | Get 10 €/£ when you sign-up | You get discount on your 1st tranfer |
Free ATM withdrawals? | Free up to 200 EUR (after that 2%) | Free up to 200 EUR/GBP (after that 1%) | USA – withdraw Free 2 a month |
Local Transfer Fees | 1.5% from the total transaction | From 2% to 3.99% | From 0.22% to 0.35% |
Cashback | Earn 1% from the selected retailers |  | Earn up to 12% cashback |
Customer Support | Very Responsive | Responds once in 2 days | Very Responsive |
Security | So far so good | Very high | Very high |
Use multiple bank cards with 1 App | Connect multiple cards with Curve App | One card per account | One card per account |
Available in your location | Available mainly in EU and UK | Available mainly in EU and UK | Available in 200+ countries |
Buy, sell & spend Cryptocurrencies | | | |
Ease of Use | |||
Overall Rating | |||
So, there you have it.
Hopefully, you found this useful.
On top of that, if you need a more detailed overview of each of these bankless banks – keep on reading.
In this section, I will go through the most popular options of digital payment providers and other Banks like Revolut that offer a card to their customers and why they can be suited for daily use.
Let’s dig in.
1. Curve
Unlike other entries in this list, the Curve Mastercard doesn’t hold funds but instead allows for their customers to group all of their bank accounts under their single Curve card in their mobile app.
The mobile app keeps track of all of your linked cards and payments, providing a record of all of your bank accounts in just one place.
Curve Fees
Curve offers three different plans, Free, Black, and Metal, with the premium plan offering higher limits and handy perks like travel insurance.
Money transfer through Curve Send – Curve doesn’t charge any additional for transfering money from one curve user to another but there’s a €500 daily limit.
Free – €0/month
- Fee to receive the card: FREE
- Local and international ATM fees:
- for debit cards, 10 free withdrawals per month, with €0.5 per transaction after
- or credit cards, free up to €200, 2% fee after
Black €9.99/month
- Fee to receive the card: FREE
- Local and international ATM fees:
- for debit cards, 10 free withdrawals per month, with €0.5 per transaction after
- or credit cards, free up to €400, 2% fee after
Metal €14.99/month
- Fee to receive the card: FREE
- Local and international ATM fees:
- for debit cards, 10 free withdrawals per month, with €0.5 per transaction after
- or credit cards, free up to €600, 2% fee after
Keep in mind that these fees are applied by Curve on top of the regular fees your credit card company would charge you. Additionally, when withdrawing money on weekends, in a different currency than your own, a surcharge between 0.5% and 1.5% is applied.
Curve Pros
- Great features, all-in-one card, going back in time.
- Cashback from some retailers
- Free money transfers
Curve Cons
- Weekend surcharge when the FX markets are closed.
- Daily/Monthly limits are reached very quickly
Curve Invite Bonus
2. Coinbase Card
Coinbase is a cryptocurrency exchange that offers a physical credit card to their UK and EU customers that allows them to spend their cryptocurrency seamlessly where Visa is accepted.
The card allows the users to pay and withdraw money with their crypto balance from their Coinbase wallet. With this card, you cannot top up your card with regular currencies like US dollars or Euros, but instead can use your Bitcoin, Ethereum and more to convert them directly into fiat.
Coinbase Card fees
- Fee to receive the card: €4.95
- Local ATM fees: free up to €200/month, 1% + 1.49% crypto conversion fee after
- International ATM fees: free up to €200/month, 2% + 1.49% crypto conversion fee after.
- International purchase transaction fees: 3%
Coinbase Card Pros
- Spend your crypto in your local currency seamlessly
- Great spending limits (€10.000/month)
- Good daily ATM withdrawal limits (€500/day)
Coinbase Card Cons
- High conversion fees
- Card isn’t free
- No possibility to top-up with fiat currency
Coinbase Invite Bonus
- You need to sign-up to Coinbase.com
- If you sign up using this URL, you will get 10 USD sign up bonus
- Verify your account
- And then head over here to create and order Coinbase card
3. Transferwise
The Transferwise card is linked to the Borderless Account which is a multi-currency account used to send and receive money in different parts of the world.
Their exchange and transfer fees are some of the lowest on the market, making them an interesting option for those that need to spend or withdraw a lot of money abroad, and often.
Transferwise card fees
- Money transfer fees can be checked on their homepage for different countries. They can vary daily, so it’s best to check them when you want to make a transaction.
- Fee to receive the card: the card is free, although Transferwise asks for a €20 deposit beforehand when opening your account. This isn’t a fee, it’s your money to spend once you’ve got the card.
- ATM withdrawals: if you have the currency you are withdrawing on your account it’s free up to €200/month. After that, a 2% withdrawal fee will be charged.
- In case you are withdrawing in a different currency from that of your account, a conversion fee is applied in addition to the 2% surcharge.
Transferwise Pros
- No withdrawal fees when withdrawing in your native currency
- Fairest exchange rate
- Available in a large number of countries
Transferwise Cons
- €200 ATM limit/month is pretty low
- Requires full ID in order to use the service.
- Fees can quickly add up if sending or withdrawing large amounts monthly.
4. Skrill
Skrill is one of the most popular digital payment services worldwide. While it can’t be considered an electronic bank, Skrill nevertheless offers its users a physical credit card that is directly linked to their account and can be used to spend their funds.
The main advantages are that their app supports a good number of fiat currencies as well as some of the most popular cryptocurrencies out there. This allows users to top up their Skrill account using a large array of payment methods.
Skrill Fees
Opening a Skrill account is free, and they offer a VIP program, that users gain access to simply by using the service. The higher the traffic, the better the perks (lower fees, continuous support etc.)
- Fee to receive the card: €10/year deducted from the Skrill account
- Local ATM fees: 1.75% on top of the withdrawal amount
- International ATM fees: the regular 1.75% plus a 3.99% surcharge in case there’s a conversion to another currency during the withdrawal.
- The fee for sending money to another Skrill account depends on the country of residence. Make sure you check their fees page for more information, as they can vary from 0% up to 7.5% depending on the region.
Skrill Pros
- Easy to set up with just an ID.
- Supports a good number of cryptocurrencies
- Large array of deposit methods.
- Very fast transactions
Skrill Cons
- Higher fees than the competition.
- Physical Card isn’t free.
- Not a bank – no insurance of your deposited funds.
- Invasive KYC when some limits are reached
Skrill Invite Bonus
5. Monese
Monese is a UK-based online-only bank that offers its users to open a virtual bank account without proof of address or credit check.
Monese works like a traditional banking system, that is streamlined through its mobile app and is accessible to EU and UK residents and is considered to be one of the best cards like Revolut.
Monese fees
Monese offers three different pricing plans, on which the costs and limits directly depend.
Simple – £0/month
- Fee to receive the card: FREE
- Transaction fees: 2% fee (free between Monese accounts)
- Local and International ATM fees: free up to £200, 2% fee after
Classic – £4.95/month
- Fee to receive the card: FREE
- Transaction fees: 0.5% fee (free between Monese accounts)
- Local and International ATM fees: free up to £900, 2% fee after
Premium – £14.95/month
- All fees are lifted
Monese Pros
- The UK account could easily replace your regular bank
- Very fast and easy to set up (only face ID needed)
- Great app, with a large array of features and very user-friendly
- Free card payments and ATM withdrawals abroad
- Supports both GBP and EUR
Monese Cons
- ATM limits for the free plan are fairly low, and fees can quickly start piling up
- Monthly limits on ATM withdrawals, top-ups, spending
Monese Invite Bonus
Ready to join Monese?
Great, Here’s Monese’s Promo Code to get your Bonus – HELVI738
Note: as Monese is changing their rules for new signups nearly every week, you might not be able to get the bonus. So, picking other cards might be more beneficial.
Cards Like Revolut for traveling
When we’re talking about nomad cards, Monese stands out as one of the best Revolut alternatives.
Monese acts like a real bank, while at the same time, it doesn’t require a fixed address or credit history to open an account. Additionally, the premium plan that they offer lifts all of the fees and limits, which is a great option for travelers that need to receive and send larger amounts of money. This flexibility is one of the main reasons why Monese might be the best choice here.
Revolut alternatives with free cards
Curve, Coinbase Card, and Skrill all offer free debit cards when you sign up for their service. Although neither of them allows full banking services, we can pick out Curve as the most complete.
If you are looking for the best card like Revolut, have in mind that the overall winner of our comparison depends on your needs.
For everyday banking, Curve is better due to the larger array of services they offer, while if your main usage is transferring currencies, then Skrill is the winner.
Top 3 cards like Revolut
To conclude this short overview, here are our top 3 choices of physical cards similar to Revolut and why:
The Best – Curve
All in all, Curve is a good alternative to Revolut, providing a free debit card and fairly low fees, if you plan to use it sparingly. For more frequent users, they might want to look into the paid plans as they offer higher limits and lower fees. Do the math before committing!
2nd to Best – Coinbase Card
Coinbase gives newly signups 10 USD and provides flexibility of supporting a large number of currencies and cryptocurrencies. Just make sure to check their regional fees before using their services as they differ from country to country.
3rd Best – TransferWise
TransferWise has one of the best exchange and transfer rates in the industry.
If you need to send money between multiple countries and currencies, most probably TransferWise is the way to save big time on fees.
You can use their calculator to see how much you would save on the fees and upon the account straight after.
4th Best – Skrill
Offering the fairest exchange rates when compared to banks, Skrill is a great service for sending and receiving money worldwide. ATM withdrawals are free, although limits are fairly low and can be quickly reached, allowing for fees to pile up if you are using the service often.
Hopefully this list of cards like Revolut was helpful and will help you find the perfect Revolut like Bank to suit your needs.
Best of luck 😉
