● HEAD-TO-HEAD Comparisons
Nexo vs Revolut
Yield & loans vs full banking — which is right for you?
vs.
SK
§ 01 HEAD-TO-HEAD
Head-to-Head Comparison
| Feature | Nexo | Revolut | Winner |
|---|---|---|---|
| Our Score | 7.8/10 | 8.5/10 | ✓ Revolut |
| Max APY | 16% | 12.3% (staking) | ✓ Nexo |
| Supported Coins | 60 | 200 | ✓ Revolut |
| Trustpilot | ★ 4.5 | ★ 4.7 | ✓ Revolut |
| EU Banking Licence | No (crypto licences) | Yes (Bank of Lithuania) | ✓ Revolut |
| Deposit Protection | No | €100,000 DGS | ✓ Revolut |
| Crypto Loans | Yes — instant | No | ✓ Nexo |
| IBAN Account | No | Yes (30+ currencies) | ✓ Revolut |
| US Available | No | Limited | = Tie |
§ 02 PROS & CONS
Nexo — pros and cons
✓ Pros
- ✓ Industry-leading APY rates (up to 16%)
- ✓ Instant crypto-backed loans with no credit check
- ✓ Nexo Mastercard works in 200+ countries
- ✓ Regulated and audited (Armanino Proof of Reserves)
- ✓ Free to use — no monthly fees
- ✓ 60+ supported assets
✗ Cons
- ✗ Best rates require holding NEXO token (lock-in risk)
- ✗ Not available in the US
- ✗ Customer support can be slow
- ✗ Not a licensed bank — no deposit guarantee scheme
§ 03 PROS & CONS
Revolut — pros and cons
✓ Pros
- ✓ Full EU and UK banking licence — €100K deposit protection
- ✓ 200+ cryptocurrencies including staking
- ✓ Best-in-class multi-currency IBAN (30+ currencies)
- ✓ 4.9 iOS App Store rating — best UX in the space
- ✓ Free standard account with solid crypto access
- ✓ 50M+ users — most trusted crypto-banking brand
✗ Cons
- ✗ Not a dedicated crypto platform — advanced DeFi features absent
- ✗ Crypto withdrawals blocked on Standard plan
- ✗ No crypto-backed loans
- ✗ Best features require Premium (€9.99/mo) or Metal (€16.99/mo)
§ 04 FAQ
Frequently Asked Questions
Should I use Nexo or Revolut for crypto? +
It depends on your goal. Revolut is better if you want a full EU bank account with crypto as a feature — IBAN, SEPA, €100K deposit protection, and 200+ coins. Nexo is better if your primary goal is yield (up to 16% APY) or crypto-backed loans. Many users hold both.
Does Revolut have deposit protection? +
Yes. Revolut holds a full EU banking licence (Bank of Lithuania) and a UK banking licence (PRA/FCA). EU customers have €100,000 deposit protection under the EU Deposit Guarantee Scheme. Nexo is not a bank and has no deposit guarantee scheme.
Can I earn more yield with Nexo than Revolut? +
Yes. Nexo offers up to 16% APY vs Revolut's maximum of around 12.3% through staking (ETH, SOL, etc.). However, Nexo's highest rates require holding NEXO tokens, which introduces token price risk. Revolut staking rates are paid in the staked asset.
Is Nexo available in the US? +
No. Nexo does not currently operate in the US. Revolut has a US product but it is more limited than the EU version.
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