Bank Cards

Your Revolut bank card is a debit card that gives you control over your spending and money management. It works like a regular debit card — you can pay for products and services with money from your loaded balance.

Debit cards are a convenient and secure alternative to cash. They can be used for online purchases, in-store payments, and cash withdrawals from ATMs. Our debit cards also come with security features like the ability to freeze your card from your mobile app if it's lost or stolen. Our debit cards also come with security features like the ability to freeze your card from your mobile app if it's lost or stolen.

The best bank card for you depends on how you plan to use it. Revolut offers a range of bank cards to suit different needs:

• Multiuse virtual cards are a great option for daily spending. With permanent details, you can use them for subscriptions, recurring payments, and link them to Apple or Google Pay for seamless contactless payments.
• Disposable virtual cards (also known as single-use cards) are designed for enhanced security. They generate new details for every online purchase, which prevents vendors from tracing them back to your account or making unauthorised charges.
• Physical cards are essential for when you need to make cash withdrawals from ATMs or pay at locations that only accept physical cards. You can get a physical card in addition to your virtual cards to be prepared for any situation.
• Travel money cards are perfect for international travel. Our debit cards function as travel money cards, allowing you to spend globally in over 150 currencies with competitive exchange rates and no hidden fees, making them a smart choice for your next trip.

The good news is that you don't have to choose between virtual and physical versions. You can hold both at the same time. Fees may apply, so check your plan for more details.

• Virtual cards are stored safely in your in-app, which is protected by two-factor authentication. This security measure ensures that only you can log on to your account, view your card details, and complete payments.
• If you suspect any fraud, you can freeze your card right in-app to block payments. Then unfreeze it just as easily when you’re ready to use it again. All it takes is a couple of taps.
• When you use Apple Pay or Google Pay to make a purchase with your cards, your real card number is kept secret. A unique encrypted code known as a token is used to complete your payment. This ensures that your details are safe.

The virtual bank card provider available to you depends on several factors, including your location. You can see whether your card will be Visa or Mastercard right in-app before you create it. Both are widely accepted in many locations around the world.

Getting a bank card with Revolut is a simple and fast process, done directly through our app. To apply for a bank card online, all you have to do is:

1. Download the Revolut app and sign up for an account in minutes
2. Verify your identity by providing a valid ID and a quick selfie
3. Choose your card type, whether it's a multiuse virtual card or a physical card for in-store payments and ATM withdrawals
4. Once your account is set up, you'll get a virtual card and can start spending right away, while your physical card will be delivered to your address

You don’t have to pay any additional fees to create your virtual cards. Check your plan for more details.

The main difference between a debit card and a credit card is where the money comes from.

A debit card is linked directly to your account. When you make a purchase, the funds are deducted right away from your available balance. You can only spend the money you have, which makes it an effective tool for budgeting and avoiding debt.

A credit card allows you to borrow funds up to a pre-approved credit limit. When you make a purchase, you're using borrowed money from the card issuer. You then have a grace period to pay back the balance, or you can choose to make a minimum payment and carry a balance, which will incur interest.

Both cards can be used for online and in-store payments, but credit cards may offer additional benefits like purchase protection or rewards.

If you're looking for more flexibility, or to build your credit history, discover how a Revolut credit card could work for you.

You can use your virtual debit card in most places around the world that accept online or contactless payments with Visa and Mastercard. Exchange and hold 38 currencies in-app, and pay in the local currency using your card.

If the currency you want to exchange to isn’t listed in-app, don’t worry — this simply means you can’t keep it in your account yet. You can still pay with your card abroad in 140+ currencies. We’ll automatically exchange your holding currency to the local currency at the available rate when you make a purchase.

Currency exchange fees may apply. Check your plan for more details.

The Revolut bank card works as a direct link to your account, making it a simple and secure way to pay. When you use your debit card to make a purchase, the process is fast and happens in a few key steps:

1. Authorisation: when you swipe, tap, or insert your card, the payment terminal sends a request to authorise the transaction.
2. Deduction of funds: we check to see if you have enough money in your account to cover the purchase. If you do, the amount is deducted from your available balance.
3. Completion: the payment is approved, and the transaction is complete. You receive a notification in-app, and the merchant receives their payment.

Because the funds are withdrawn right away, a debit card helps you stay on budget and avoid spending more than you have.

Adding money to your Revolut account is quick for most methods.

• Card top-up: the money will appear in your Revolut account right away when you top up your account with another debit or credit card.
• Bank transfer: the time it takes for a bank transfer to arrive depends on the type of transfer and the sending bank. For most transfers within Europe (SEPA), funds usually arrive within one business day, while international (SWIFT) transfers can take up to 3–5 business days.
• Revolut-to-Revolut transfers: transfers between Revolut customers are always quick, no matter where you are in the world.

You'll receive a notification in the app as soon as your money arrives.

Activating your new Revolut physical card is a quick and simple process that you can do in-app. For added security, you must first activate your physical card before you can use features like contactless payments.

To activate your card, follow these simple steps:

1. Open the Revolut app and go to Cards
2. Select the card you wish to activate
3. Enter the card's details when prompted
4. Once activated in the app, you must make a single chip and PIN payment at a physical terminal (e.g. in a shop or at an ATM) to fully activate the card for all types of payments

With Revolut, the maximum amount you can pay with your card is generally limited only by the amount of money in your account. However, for security purposes and based on your plan, there may be certain daily, weekly, or monthly spending limits in place.

• Your spending limits: you can always check and manage your personal spending limits in-app by going to the Cards section and selecting the specific card you'd like to view. You can even set your own custom limits for extra control.
• Contactless payments: for contactless payments, a single transaction limit applies, but this can often be reset by making a Chip and PIN payment. This limit does not apply when using Apple or Google Pay.
• ATM withdrawals: please note that there are separate limits for cash withdrawals at ATMs, which also depend on your plan.

For the most accurate and up to date information on your specific spending limits, always check the Cards section in-app.