Crypto Neobanks evaluated across fiat covered by a real deposit guarantee, what happens to your coins if they fail, verified authorisation on both legs, and computable conversion cost.
RE
#1 of 7 · published ranking
Revolut
81ChainChoice Score
4199
Why it leads
Best in the pool on conversion cost (7/10; next 6/10)
Cost
Not priced· No comparable price is published
No provider can pay for a position in this table. The code that computes this order cannot read which links earn us a commission, and every build proves it. Every score below rebuilds from the published criteria.Ranking 2026.08 · 4 criteria · 7 products · same inputs, same order
Personal comparison
Crypto Neobanks ranked comparison
No comparable price is published; ranking still uses verified product evidence.
RankProviderBest fitScore
1
RERevolutLicensed UK bank with crypto trading ru...Top ranked
Verified authorisation on both legs — 9/10Trade-off: Two things buried in the fee PDF: on withdrawals, "If the network fee you pay exceeds...
Ranked on 4 published criteria weighted 35/25/25/15, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18, ease of use 10, institutional trust 8. Profile match is shown in breakdowns but carries no weight.
Audit
Infrastructure
Methodology
2026.09.15
published 2026-09-16
Providers tracked
980+
across 119 categories
Last verified
2026-09-14
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
Weighted on fiat covered by a real deposit guarantee (35), what happens to your coins if they fail (25), verified authorisation on both legs (25), and computable conversion cost (15). The heaviest is fiat covered by a real deposit guarantee: Is the cash balance covered by a statutory deposit guarantee scheme (FSCS, FDIC, an EU DGS, or an equivalent) at the exact legal entity you contract with — or is it merely 'safeguarded' e…
What matters most before choosing in this category
Weighted on fiat covered by a real deposit guarantee (35), what happens to your coins if they fail (25), verified authorisation on both legs (25), and computable conversion cost (15). The heaviest is fiat covered by a real deposit guarantee: Is the cash balance covered by a statutory deposit guarantee scheme (FSCS, FDIC, an EU DGS, or an equivalent) at the exact legal entity you contract with — or is it merely 'safeguarded' e…
How much CASH would sit in this account, and do you believe it is protected?
Which legal entity holds your coins, and is it licensed to custody them?
Have you checked this provider on its regulator's own public register, rather than its website?
Strong starting point
Expert review and scoring weights
RE
RevolutData checked Sep 2026
Licensed UK bank with crypto trading run by a separate group entity
Licensed UK bank with crypto trading run by a separate group entity. Strongest on verified authorisation on both legs (9/10): All three legs re-read on official registers on 14 September 2026: PRA/FCA bank authorisation (Revolut Bank UK Ltd, FRN 981170, "Authorised Since 25/07/2024"), FCA e-money authorisation (Revolut Ltd, FRN 900562, "Authorised Electronic Money Institution Since 11/05/2018"), and a CySEC MiCA CASP authorisation for Revolut Digital Assets (Europe) Ltd on ESMA's register (20/10/2025). Held below 10 because the UK crypto leg is a money-laundering registration ("Crptoasset information MLRs Registered Since 26/09/2022"), not an authorisation. Fiat covered by a real deposit guarantee (7/10): the UK Personal Terms contract with Revolut Ltd as e-money — "The money in your Account isn't covered by the Financial Services Compensation Scheme (because it's safeguarded instead)" — while EEA accounts at Revolut Bank UAB are "insured by Lithuanian deposit insurance". Computable conversion cost (7/10): fee PDF v1.1.8 (11 August 2026) publishes the percentage, the full minimum-fee table and the withdrawal fee, and states "Market spread is a cost already included in the price quoted to you when you place an order and is not an additional fee added by Revolut Ltd." The "whichever is greater" construction is still punitive at retail size: a £5 trade on Standard pays the £1.49 minimum fee (29.8% of the trade), and anything under £2 pays "50% of trade size".
Best forVerified authorisation on both legs — 9/10
Main tradeoffTwo things buried in the fee PDF: on withdrawals, "If the network fee you pay exceeds the final network fee that we incur, we will keep the difference" — Revolut pockets the gas overage; and on staking, it "may deduct a percentage of between 0% and 50% from the rewards", a range so wide it is not a price. Also, the UK Personal Terms say "The money in your Account isn't covered by the Financial Services Compensation Scheme (because it's safeguarded instead)", and your crypto sits in a different company with a different FCA number.
Verify before signupRevolut Ltd retail crypto fees (PDF v1.1.8, timestamp 1786438530 = 11 August 2026). Standard and Plus pay the greater of a minimum fee (GBP: 0 ≤ x < 2 → 50% of trade size; 2 ≤ x < 5 → £0.99; 5 ≤ x < 25 → £1.49; 25 ≤ x < 100 → £1.99; 100 ≤ x < 150 → £2.49; 150 ≤ x < 200 → £2.99; "A minimum fee does not apply to transactions over £200") or "A flat percentage fee of 1.49%". Premium and Metal: minimum fee (0 ≤ x < 2 → 50%; £0.99 / £1.49 / £1.99 up to £200) or "A flat percentage fee of 0.99%". Ultra: minimum fee (50% below £2, £0.99 up to £200) or 30-day volume tiers 0.49% / 0.39% / 0.29% / 0.19% / 0%. Fair usage fee (Standard and Plus, stated to apply to exchanges in stablecoins): "Standard: 1% fee charged for exchanges over £1,000"; "Plus: 0.5% fee charged for exchanges over £3,000". No custody or deposit fees. Withdrawal: "The Revolut service fee is 1 GBP (or equivalent in local currency) for XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO, and ADA, and 3 GBP (or equivalent in local currency) for all other cryptocurrencies", plus network fee; "If the network fee you pay exceeds the final network fee that we incur, we will keep the difference." Staking: "Revolut may deduct a percentage of between 0% and 50% from the rewards earned on your staked assets". Spread: "Market spread is a cost already included in the price quoted to you when you place an order and is not an additional fee added by Revolut Ltd."
Methodology
How this category is reviewed
Reviewed on fiat covered by a real deposit guarantee, what happens to your coins if they fail, verified authorisation on both legs, and computable conversion cost.
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
Frequently asked
Questions people ask before choosing neobanks
What is the best crypto neobank for everyday use?
The one where you know which balance is protected and which is not. An account holding both cash and crypto is usually covered on neither leg the way a bank account is, and cash held at a partner bank behind a fintech may not be covered at all.
Are crypto neobanks actually worth it?
Rarely as stated. One provider in this pool advertises insured deposits on its homepage while its own SEC filing describes the position differently, and another shut down after a partner's collapse froze customer funds — which is precisely the risk the category's marketing downplays.
What matters most when choosing a crypto neobank?
Whether the cash is genuinely covered by a deposit guarantee, and who holds the coins if the company fails — 60% of the weight between them. Authorisation is verified on the regulator's public register, not taken from the company's own page.
Not financial advice · For informational purposes only · Always do your own research
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