SIDE-BY-SIDE · 2026 CRYPTO BANKS
Revolut vs Xapo Bank
Revolut (8.5 / 10) edges Xapo Bank (8.0 / 10) on the weighted composite. Where each wins on individual axes is below.
§ 01 OVERALL SCORE
Revolut
8.5 / 10
vs
Xapo Bank
8.0 / 10
§ 02 DIMENSION-BY-DIMENSION
Every axis, side by side.
8.5 / 10
Overall score
8.0 / 10
UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions
Licence
—
12.3%
Top APY
4.5%
1.99%
Trading fees
0%
Yes
Debit card
Yes
Yes
IBAN
—
Yes
MiCA compliant
—
—
FDIC-insured
—
§ 03 EDITOR'S CALL
OUR PICK FOR MOST READERS
Revolut
8.5 / 10 · crypto banks
This is a programmatic comparison built from our platform scorecards. For deeper editorial context — field-test transcripts, regulatory footnotes, and licence-by-licence detail — see our individual reviews of Revolut and Xapo Bank.
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