Xapo Bank vs Revolut
short answerBoth are hybrid neobanks. Revolut is the larger platform (~50M users). Compare custody, license, FX markup and fees field by field below.
Xapo Bank: Licensed private bank for BTC wealth.
Revolut: 50M+ users; crypto trading; stablecoin in FCA sandbox 2026.
Side by side
| Xapo Bank | Revolut | |
|---|---|---|
| Category | hybrid | hybrid |
| Audience | general | general |
| HQ | Gibraltar | London, UK |
| Founded | 2013 | 2015 |
| Custody | Custodial | Custodial |
| Regulation | Licensed bank | Licensed bank |
| License detail | Gibraltar banking license | UK banking license (2024); EU license (Lithuania) |
| Card | MC · Debit | Visa/MC · Debit + credit |
| Cashback | 1% in BTC | Perks by tier |
| Yield | Interest on BTC + USD | Savings vaults |
| FX markup | — | Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup (2026-07) |
| Services | — | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards, crypto-settled card |
| Stablecoins | Yes | Yes |
| KYC | Yes | Yes |
| Regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania | Europe, North America, Oceania, Asia, Latin America |
| Reported users | — | 50M customers (2025) |
go deeperFull profiles: Xapo Bank · Revolut — or run your own comparison of up to four in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.