● HEAD-TO-HEAD Comparisons
Revolut vs Crypto.com
Full EU banking licence vs 350+ coins — which is right for you?
vs.
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§ 01 HEAD-TO-HEAD
Head-to-Head Comparison
| Feature | Revolut | Crypto.com | Winner |
|---|---|---|---|
| Our Score | 8.5/10 | 6.7/10 | ✓ Revolut |
| Max APY | 12.3% (staking) | 14.5% | ✓ Crypto.com |
| Supported Coins | 200 | 350 | ✓ Crypto.com |
| Trustpilot | ★ 4.7 | ★ 1.3 | ✓ Revolut |
| EU Banking Licence | Yes (Bank of Lithuania) | No | ✓ Revolut |
| Deposit Protection | €100,000 DGS | No | ✓ Revolut |
| Debit Card | Yes (Visa) | Yes (Visa) | = Tie |
| Crypto Loans | No | Yes | ✓ Crypto.com |
| IBAN Account | Yes (30+ currencies) | No | ✓ Revolut |
| MiCA Compliant | Yes | No | ✓ Revolut |
§ 02 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)
§ 03 PROS & CONS
Crypto.com — pros and cons
✓ Pros
- ✓ Largest crypto Visa card program globally
- ✓ Up to 8% cashback in CRO on all spending
- ✓ 350+ cryptocurrencies — widest selection reviewed
- ✓ NFT marketplace and DeFi wallet built in
- ✓ 100M+ registered users — massive liquidity
✗ Cons
- ✗ 1.3/5 Trustpilot — worst score among major crypto banks
- ✗ CRO token crashed 90%+ from ATH — rewards worth much less
- ✗ Accounts frequently frozen with poor resolution
- ✗ High CRO stake required for best card tiers
- ✗ Multiple controversies including FTX-adjacent exposure
§ 04 FAQ
Frequently Asked Questions
Is Revolut better than Crypto.com? +
Revolut scores 8.5/10 vs Crypto.com's 6.7/10 in our methodology. Revolut is better for banking safety (full EU licence, €100K deposit protection), user trust (4.3 vs 1.3 Trustpilot), and fiat integration (IBAN, 30+ currencies). Crypto.com is better for coin selection (350 vs 200) and headline APY, but the CRO token dependence for best rates is a risk.
Why does Crypto.com have such a low Trustpilot score? +
Crypto.com has a 1.3/5 Trustpilot score from 11,000+ reviews. Common complaints include accounts frozen without explanation, poor customer support response times, and the dramatic decline in CRO token value (down 90%+ from ATH) which significantly reduced the card rewards program that initially attracted most users.
Which has higher APY — Revolut or Crypto.com? +
Crypto.com offers higher headline rates — up to 14.5% APY for CRO stakers. Revolut offers staking rewards typically ranging from 3–8% depending on the asset. However, Crypto.com's best rates require holding and staking CRO tokens, which exposes you to token price risk.
Is Crypto.com available in the EU in 2026? +
Yes, Crypto.com operates in the EU but is not MiCA compliant as of April 2026. It is not a licensed bank. Revolut holds a full EU banking licence from the Bank of Lithuania, making it the strongly regulated alternative for European users.
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