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Revolut ‘Fintech’- The top 4 features beyond regular banking

Foreword – Account and Card services

Much like Wise, a Revolut account enables currency management without extensive conversion fees. Firstly, Revolut provides personal account details and physical Debit Cards usable globally. Further, there’s the option of a free virtual card which is refreshed automatically after each use. *Wise have just developed a similar feature – free digital Debit Cards for added convenience. Meanwhile, with the Revolut card you can pay and transfer in 140 currencies at the Interbank rate. However, Revolut has other advantages and in this article I discuss 4 of them. Additionally, I’ve summarised the Revolut plans and indicated which features require the paid plans.

Revolut Plans

1. Revolut Insurance

In early 2021 I discovered that Revolut offer the following types of Insurance:

2. Revolut Cryptocurrency

Revolut promotes instant investment in 21 different coins including a range of Altcoins. This lowers your reliance on Crypto Exchanges which can be time consuming and irritating. To summarise, with Revolut you can, for example:

When you buy or sell you are telling Revolut to buy or on your behalf, however, you own the Crypto. See the full Cryptocurrency Terms and Conditions and Personal Fees for clarity.

Hold and Send Bitcoin

Metal plan subscribers can enjoy access to Bitcoin withdrawals allowing you to send it from one platform to another. The process requires a Bitcoin address and Revolut runs 2FA to ensure you know exactly where you’re sending it. Note, you can withdraw up to £1000 a month or £500 per day and the following are options for storing Crypto:


Flare network has arranged a Spark airdrop for all holders of XRP tokens. Revolut is affiliated with Crypto partners which approve the airdrop, therefore they can also approve it. If you were holding any XRP on your Revolut account on 12/12/2020, you’re eligible to obtain Spark tokens. For those that are not aware:

Revoluts involvement in such projects indicate their extensive Crypto coverage when compared to others in the fintech market.

3. Donations

The Revolut app enables you to easily donate to local and global causes. Additionally, you can make one off donations or create a recurring payment for regular donations. Revolut then periodically transfers your funds to the official third-party bank account of respective charities. Your charity receives 100% of your donation as there are no fees charged by Revolut. As yet you cannot donate with Cryptocurrency, however, you can exchange Crypto into Revolut supported currencies.

4. Commodities

Much like with Crypto, Revolut support investment in Commodities such as Precious Metals from as little as $1. You can set up Price Alerts and Stop or Limit Orders to automatically exchange Gold or Silver at your desired price*. In addition, you are able to:

*In short, Market Order exchanges between Precious Metals and Fiat or Cryptocurrencies are instant and at Revolut rates. See more on Terms and Conditions in the Commodities FAQs.

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