Why look for a Revolut alternative?
You open Revolut for the card and, on the side, buy a little bitcoin. It all fits until you want to send those coins to your wallet and discover the button depends on your plan, your country and the coin — with a service fee on top of the network fee. That clash — convenient banking, conditional crypto — is what pushes you to look for an alternative. Revolut publishes on revolut.com/crypto/tiered-pricing how fees shift by plan and volume; worth reading before assuming the crypto tab costs the same as Revolut X.
Millions of people use Revolut every day for banking: accounts, cards, FX. The MiCA permit it obtained via CySEC in 2025 makes it legal across the EU. The question is not whether it can operate, but whether it fits when crypto stops being an extra and you want real ownership, predictable fees and someone on the phone who understands a congested network. Revolut documents external withdrawal on help.revolut.com with plan, country and coin requirements; Revolut X concentrates the exchange with maker/taker fees in a separate app, distinct from the standard plan’s crypto tab.
In this guide we compare, with public and verifiable data, how Bit2Me stacks up against Revolut on what really matters to a crypto investor: who custodies your coins, what you really pay per trade and how much control you have to move them whenever you want.
Why so many people doubt Revolut
Crypto as a feature, not the core
It sits next to salary, cards and FX. That simplifies a first buy, but falls short on networks, staking or specialist custody.
Withdrawals depend on eligibility
The send button exists or not depending on plan, country and coin — with a service fee on top of the network fee. Check before you need to move funds.
The best fee behind another door
The standard plan sits around 1.49%; Revolut X improves pricing, but splits the experience into another app and another banking context.
Public record
Reputation and documented facts about Revolut
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
The UK FCA imposed marketing restrictions on high-risk crypto-assets for Revolut and other fintechs serving retail clients in the UK.
Source: fca.org.uk
These records do not rule out the competitor being suitable in other contexts; they are part of the due diligence worth doing before depositing funds.
Verdict
Revolut holds MiCA via CySEC: on regulation, a tie. If you want salary, cards and small crypto exposure without leaving the app → Revolut. If crypto stops being a tab — withdrawing without plan conditions, fees without a Metal subscription, custody and support that speak blockchain → Bit2Me.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
Revolut vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs Revolut
An exchange isn't chosen on price or catalogue alone. Look at who answers for your money, from where and with what backing.
Bit2Me- Real HQ
- Spain (EU) — parent company, not a subsidiary
- Supervised by
- CNMV (Spain), under MiCA
- Operating since
- 2014, with no security incidents
- Who's behind it
- Backed by Tether, Telefónica, Bankinter and other institutions
Revolut- Real HQ
- UK (outside the EU); EU banking via its Lithuanian entity.
- Supervised by
- Bank of Lithuania / ECB for the EU; FCA and PRA in the UK.
- Operating since
- 2015
- Who's behind it
- Private company; large venture-capital rounds.
| Feature | Bit2Me | Revolut |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:Same MiCA framework via CNMV for crypto-only business, not a banking-app tab via CySEC. | Revolut:Bank/e-money entity with MiCA authorisation for crypto via its EU entity. |
| Real HQ & jurisdictionDecisive | Bit2Me:Bit2Me advantageA Spanish company headquartered in Spain (EU): you contract, file claims and are supervised before the CNMV, with no intermediary subsidiaries. | Revolut:UK-headquartered group (outside the EU); in Europe you operate with its Lithuanian entity. Crypto is a feature inside the app, not a dedicated exchange. |
| Products and servicesDecisive | Bit2Me:30+ crypto products vs Revolut crypto tab inside banking. | Revolut:Crypto integrated within a broader finance app (accounts, cards, FX). |
| Withdraw to your own walletDecisive | Bit2Me:Bit2Me advantageWithdraw across 100+ networks without Revolut plan/country gates. | Revolut:Withdrawing crypto to external wallets has historically been limited; verify current availability. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageCrypto specialists with Without chat-only: multilingual support vs generalist banking chat. | Revolut:In-app support; limited phone assistance. |
| Number of cryptocurrencies | Bit2Me:400+ coin exchange catalogue vs in-app selection. | Revolut:A selection of cryptocurrencies within the app. |
| Fund insuranceDecisive | Bit2Me:Bit2Me advantageAssets in Bit2Me Custody are insured under a $150M policy. | Revolut:Custody inside banking app; no comparable external crypto policy published. |
| Buy in euros (SEPA/card)Decisive | Bit2Me:EUR purchases via SEPA and card, built for European users. | Revolut:Buy crypto from bank balance in-app; fee depends on plan. |
| FeesDecisive | Bit2Me:Competitive fees: up to 0% maker / 0.10% taker on liquid Pro pairs; 0.1%–0.95% standard depending on the pair. | Revolut:From ~1.49% on standard plan; Revolut X from 0% / 0.09% taker. |
Bit2MeHow we made this comparison
We analyse regulation, security, support, fees and catalogue using public, verifiable information from both platforms, updated as of July 2, 2026. Bit2Me is the platform publishing this page, so we have deliberately included points where the competitor stands out, and we recommend always checking the data on the official websites before deciding.
Sources consulted (July 2, 2026)
Regulated by the CNMV · Support in your language · +1 million users
Why Bit2Me lets you sleep at night
If Revolut treats crypto as one more feature, compare it with what you need to sleep calmly: custody, withdrawals, tax tools, and specialised support.
Crypto that doesn't stain you
Bit2Me complies with KYC/AML and is registered with the Bank of Spain: your operations don't mix with illicit-origin funds on a supervised platform.
Headquartered in Spain, not a tax haven
Bitcoinforme S.L. operates under European law with the CNMV as its direct supervisor.
Free, automatic tax report
Download it from the app or web for every tax year you've traded, at no extra cost. It generates itself from your activity.
No security incidents since 2014
Five consecutive independent audits back our operational soundness.
Human support in your language
24/7 support in your language, with a phone line (+34 910 91 37 88) and people — not bots — answering from Spain.
A platform that doesn't go down
Multi-region high availability, 24/7, 365 days a year, with ~100 ms average response.
Your funds, when you decide
Withdraw to your own wallet at any time. No lock-in, no penalty.
$150M insurance on custody
Assets in Bit2Me Custody are insured for $150M (USD), with segregated cold storage and multisig + HSM FIPS 140-2.
A crypto licence inside a bank: Revolut’s MiCA permit
Inside the Revolut app, two regimes coexist that users rarely tell apart: the euros in your account live in the banking world, with its own guarantees, while your crypto depends on a different permit and different rules. Its European entity operates under MiCA authorisation — the EU’s crypto-asset regulation — via the Cypriot regulator (CySEC), as specialist media reported. Revolut’s crypto tab operates fully licensed in Europe, although for the user it remains exactly that: one more tab between the card and the currency exchange.
The comparison with Bit2Me is not about who holds paperwork — both do — but about what each licence covers. The authorisation the CNMV granted Bit2Me under that same regulation does not cover a tab; it covers the whole house: a Spanish company dedicated exclusively to crypto-assets since 2014, with the supervisor of your own market as your direct counterpart if you ever need to file a claim. Against Revolut’s scheme — banking on one side, crypto on another, regulator in Cyprus — here activity, company and supervisor all point to a single place.
On regulation there is no loser: both meet the EU standard. Choose by what reassures you more: the solidity of a bank that has added crypto, or a specialist whose only business is precisely that.
Getting crypto out of Revolut: the small print of the “eligible customer”
The key question for any Revolut user holding crypto is whether they can send it out. Today the official answer is “it depends”: per its help centre, withdrawing to an external wallet is available for specific cryptocurrencies and networks, only for customers on eligible plans and countries, and with a service fee added to the network fee. In practice, you open the app and the send button exists or not depending on where you live, which plan you pay for and which coin you hold. The progress deserves credit — for years that door did not exist at all — but it remains a door with conditions, worth checking before you need it.
On the other side, that same door is open by default: any Bit2Me customer can withdraw their crypto to their own wallet across more than 100 blockchain networks, with no minimum plan and no country list, paying the network fee. And while you leave them put, funds do not sit on a banking app’s balance sheet: they are held mostly in cold storage — keys disconnected from the internet — and Bit2Me Custody assets are covered by a $150 million policy. Self-custody, that is, holding your own keys, is not a plan perk: it is the product’s natural exit.
If your plan is to buy and never move, Revolut’s built-in custody may be enough. The day you want your keys, the difference between a right and an eligibility checkbox shows in full.
From 1.49% to 0.09%: Revolut’s price ladder, plan by plan
The price of crypto at Revolut is read off its subscription table. Per its official site, the per-trade fee starts at around 1.49% on the standard plan and drops to about 0.99% on Premium and Metal, with further volume tiers; on top may come the spread, the difference between the price you buy at and the price you sell at. Translated: €1,000 of bitcoin on the free plan costs about €14.90 in fees, and someone buying every month repeats that toll on every entry. And for those who take trading seriously, the house has another door: Revolut X, its separate exchange, at 0% maker / 0.09% taker — maker if your order adds liquidity to the market, taker if it takes it — a genuinely competitive price that requires installing another app.
Against that ladder, Bit2Me’s pricing is a flat, public sheet: up to 0% maker / 0.10% taker on liquid Pro pairs — that same €1,000 trade costs €1 —, from 0.1% to 0.95% in the simple interface depending on the pair, and free SEPA deposits. No monthly quota lowers your fee and there is no second app to install: the exchange price list is the starting point, not the prize for upgrading your plan.
There is room for the rival to win here: if you already pay for Metal anyway and Revolut X covers your pairs, its numbers hold up against anyone, Bit2Me included. For those who would rather not tie their fee to a subscription, the flat sheet wins.
What do you really pay?
Move the amount and compare Bit2Me Pro with Revolut's published retail fee.
On Bit2Me Pro (liquid pairs, 0.10% taker)
€1.00
Down to 0% when trading as maker.
On Revolut standard plan (~1.49%)
€14.90
Spread may apply; Revolut X and higher plans reduce the rate.
Fee savings
€13.90
93% less on this trade
Indicative trading fees only — excludes spread, gas and deposit/withdrawal charges. Always cross-check Revolut's official pricing.
The same chat for a lost card and for the blockchain
When something goes wrong at Revolut, the route is the in-app chat: the same channel — and often the same queue — for a duplicate card, a held SEPA transfer or a crypto transaction pending on the blockchain. Its help centre is extensive, but support is sized for a generalist banking app with millions of customers, and crypto is one topic among dozens: the person replying does not necessarily know a congested network from a forgotten destination tag.
That conversation changes when the whole team does a single thing: Bit2Me support answers by Without chat-only: multilingual support, and whoever picks up works daily with networks, withdrawals and staking. The same doubt — “why has my transaction been pending for an hour?” — goes from a generalist chat queue to a specialist answer on the first call.
For banking incidents, Revolut’s chat is more than enough. For moving your savings across chains, a specialist on the phone plays in a different league.
Is Revolut’s crypto tab enough for you? It depends on who you are
If your relationship with crypto amounts to a few hundred euros in bitcoin sitting next to your salary, your cards and your FX, Revolut wins: opening another account for a position you check twice a year makes little sense. That is its natural use case, and it handles it very well.
The picture changes with recurring buying. Someone investing every month pays around 1.49% per trade on Revolut’s standard plan — less on Premium or Metal — and that improvement requires a monthly subscription. On Bit2Me Pro the same habit costs up to 0% maker / 0.10% taker on liquid pairs with no plan attached: your rate does not depend on what you pay for your banking.
And if you want to truly own your coins, the difference is structural: at Revolut, withdrawing to an external wallet depends on your plan, your country and that specific coin being eligible, with a service fee added; at Bit2Me it is the norm, across more than 100 networks, for every account.
The bill for moving your crypto out of Revolut, step by step
Before moving, it pays to know what you will find. On-chain withdrawal from Revolut is not universal: per its help centre, it covers only certain coins and networks, requires an eligible plan and country, and adds a service fee on top of the network fee. Step one is opening their app and checking whether your specific case is on the list.
If your coin or plan is not there, the fallback route is selling to euros and sending them via SEPA. It works, with one important nuance: selling crystallises gains or losses and may have tax implications, so get advice before executing. Once at Bit2Me, that toll drops off the map: you rebuy, custody and withdraw to your wallet without ever again asking what your plan allows. Those who already master Revolut X — the separate app with 0% maker / 0.09% taker — can combine both worlds, but remain subject to each one’s withdrawal rules.
Which one to choose? It depends on your profile
Bit2Me — pros
- Earn staking with visible conditions under MiCA — not an extra inside Revolut’s banking tab.
- Automatic tax reporting — without rebuilding activity split between Revolut and Revolut X.
- Pro, Earn, Card and Wallet in one app — without installing Revolut X for exchange rates.
- On-chain withdrawal by default — no selling to euros or crossing eligibility lists.
- Crypto specialist on the phone when a destination tag blocks your send — not Revolut’s card chat.
Revolut — things to consider
- Convenient all-in-one finance app for small amounts.
- Non-specialised crypto; limited exchange features and conditional wallet withdrawals.
When to choose Revolut?
- You want one app for daily banking, cards and small crypto without specialising.
- You prefer keeping fiat accounts, FX and crypto in one super-app even if spreads are higher than on a specialist exchange.
- You want banking, card and crypto in one app and do not need self-custody withdrawals.
If, on the other hand, you are looking for a Revolut alternative because you care about European regulation, predictable fees, the safety of your funds and support in your language, Bit2Me addresses exactly those needs.
What you gain switching from Revolut
Without the eligibility checkbox
Send to your wallet across 100+ networks from day one without Revolut’s plan/country matrix.
Without tying fees to Metal
Stop paying ~1.49% on the standard plan or a Premium fee just to approach exchange rates.
Without a second app for rates
Pro, Earn and custody in one account — not Revolut + Revolut X split.
From banking chat to specialist
Crypto-only human support vs generalist chat.
Without banking-app custody
$150M policy on dedicated infrastructure, not a banking feature.
From a selection to 400+ coins
Full exchange catalogue vs banking-tab selection.
Switch from Revolut to Bit2Me
Open your account in minutes: euros via SEPA, full CNMV oversight and support in your language when you need it.
15€ welcome bonus when you create your account and buy €100 or more in crypto. Promotion subject to terms.
Regulated by the CNMV · Support in your language · +1 million users
How to switch from Revolut to Bit2Me
Create your free Bit2Me account and verify your identity (KYC) in minutes.
Copy the deposit address of your Bit2Me Wallet for each cryptocurrency, choosing the same network to send and receive.
Check in the Revolut app whether your plan and country allow withdrawing that cryptocurrency to an external wallet; if so, send it to your Bit2Me address (start with a small amount). If it is not available, the alternative is to sell and transfer your euros via SEPA; note that selling may have tax implications — get advice first.
Questions? Phone support in your language walks you through it. You do not need to close your Revolut account to try.
15€ free when you create your account and buy €100 or more in crypto
Regulated by the CNMV · Support in your language · +1 million users
What people who already switched say
La cripto era la pestaña de al lado de la tarjeta
Empecé comprando bitcoin desde Revolut porque la tarjeta ya la usaba a diario. La duda llegó cuando quise profundizar: redes, staking y comisiones reales no eran el centro de la app. El detonante fue darme cuenta de que la cripto era un extra, no el producto. En Bit2Me todo gira en torno a eso. Ahora no compito con el cambio de divisa por atención.
Laura C. V. Cliente desde 2025
Las comisiones cambiaban según si pagaba Metal o no
No había mirado el desglose hasta que comparé la misma compra con y sin plan Metal. El detonante fue ver que el estándar rondaba el 1,49 % y que la tarifa mejor exigía suscripción. Moví mi operativa a Bit2Me Pro sin pagar un plan bancario que no usaba. Las comisiones son previsibles y no dependen de mi nómina en otra app.
David F. S. Cliente desde 2024
Quería mandar mis monedas a mi wallet y el botón no aparecía
Asumí que retirar a mi wallet era estándar hasta que busqué la opción de enviar. El detonante fue descubrir que dependía de mi plan, mi país y la moneda — con comisión de servicio aparte de la red. En Bit2Me retiré a mi propia wallet sin cumplir requisitos de suscripción. Cuando quiero autocustodia, la puerta está abierta.
Ana M. T. Cliente desde 2025
More about Revolut
Frequently asked questions
Conclusion
Revolut wins as a banking super-app for small exposure — an honest concession. When you want real ownership, exchange-grade fees without a monthly subscription and a crypto counterpart on the phone, Bit2Me is the specialist alternative to Revolut. Opening an account is free.
Data accuracy
This comparison draws on publicly available information on the internet — official fee schedules, regulator registers and verifiable announcements — and was cross-checked on July 2, 2026. If you spot an error or outdated figure, contact us and we will review it.
