Who issues the Revolut card in the EU, and what protects your money?

Who issues the Revolut card and who regulates them?

The Revolut Card (with crypto spend) is issued by Revolut Bank UAB, incorporated in Lithuania and regulated by the Bank of Lithuania (Lietuvos bankas) / European Central Bank. Revolut Bank UAB holds a specialised bank licence in Lithuania. Because the EEA account is a bank account rather than an e-money balance, the fiat balance is covered by the Lithuanian Deposit Guarantee Scheme up to EUR 100,000, which is materially different from the EMI safeguarding regime that applies to the other cards in this register.

The card runs on the Visa / Mastercard network, with Revolut Bank UAB as the issuing principal. Revolut itself acts as the programme manager and distribution channel: it builds the app, runs the crypto-to-euro conversion and sets the rewards, while the regulated issuing of electronic money sits with the EMI named above. You can confirm the issuer independently in the EBA EUCLID register.

Is the Revolut card available to EEA residents right now?

Available to Revolut customers across the EEA. Crypto services are provided by a separate entity, Revolut Digital Assets Europe Limited, under separate cryptocurrency terms.

What protects your money on the Revolut card?

Revolut is the outlier in this register: its EEA accounts sit at a licensed bank, so the fiat balance is protected by the Deposit Guarantee Scheme (up to EUR 100,000), not by EMI safeguarding. The crypto-asset balance is held separately by Revolut Digital Assets Europe Limited and is not a deposit.

This matters. For every other card in this register the fiat balance is held by an Electronic Money Institution and is safeguarded under Article 7 of Directive 2009/110/EC, which is not the same as the EUR 100,000 Deposit Guarantee Scheme that covers bank deposits. Because Revolut runs its EEA accounts through a licensed bank, the Deposit Guarantee Scheme applies to the fiat balance instead. The crypto-asset balance is a separate exposure and is not a deposit. See EMI vs bank protection for the full comparison.

Does spending crypto on the Revolut card trigger tax?

Spending crypto on the Revolut card is, in most EU member states, a disposal of the crypto-asset at the moment of the transaction. That can trigger a capital-gains calculation against your cost basis, even for small everyday payments, because the card converts crypto to euro at the point of sale.

From 1 January 2026 the DAC8 directive (Directive (EU) 2023/2226) obliges crypto-asset service providers to report transactions to tax authorities, so your card spending becomes visible to your tax office automatically. The practical takeaway is record-keeping, covered on crypto card vs regular debit card.

Fees and rewards for the Revolut card

These are the Revolut card's published commercial terms. Every figure below shows where it came from: hover or tap the question mark to read the issuer's exact wording and open the source document. A "two-source verified" figure was confirmed in two independent issuer documents; "stated by issuer" means we found it in one. Anything we could not confirm, or where the issuer's own documents disagreed, reads "Not confirmed".

Fee data last checked 2026-06-29. Figures are the issuer's own published terms; confirm current terms before relying on them.

What else does The Crypto Register track for Revolut?

Revolut appears in more than one of our registers. The card is only one of the regulatory roles a crypto brand can hold. Each role is licensed separately, by a different authorisation and often a different legal entity.

• Revolut MiCA (spot) status - whether the brand's spot crypto business holds a MiCA authorisation, and from which regulator.