Revolut vs Swissquote Card
On cashback Revolut wins (up to 1%); for spending abroad FX markup matters, and Revolut does better (0% vs 0.95%). In our editorial rating Revolut leads (4.8 vs 4.3). The choice depends on your real spending profile: redo the math with your volumes before picking between Revolut and Swissquote Card.
| Revolut | Swissquote Card | |
|---|---|---|
| Tier | S | A |
| Rating | ★ 4.8 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · LT · LT, GB, IE | — |
| Deposit guarantee | EU guarantee €100,000 | altro |
| Multi-currency | Yes · 36 currencies | CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD |
| Outbound transfers to third-party IBANs | Yes | — |
| Utility direct billing | Yes | — |
| SEPA direct debit (SDD) | Yes | — |
| On-chain crypto withdrawal | Yes | — |
| SEPA transfer | Free | — |
| Card included | Carta virtuale e fisica inclusa | — |
| Interest on balance | 1.21% | — |
| Network | Visa/Mastercard | Mastercard |
| ATM withdrawal | 2% | not declared |
| Free ATM limit | €200–2,000/month free (plan-based), then 2% | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK, US, APAC, LATAM · 180+ countries | EEA, UK |
| Stocks | Real — you own the security | — |
| Fractional shares | Yes | — |
| ETF | Yes | — |
| Stock and ETF commission | 0.25% of the order (0.12% on Ultra), €1 minimum, once the plan's free trades are used (1 Standard, 3 Plus, 5 Premium, 10 Metal and Ultra); no custody fee, 35 USD per position to transfer holdings to another broker | — |
| Securities custody | Revolut Securities Europe UAB (registered holder); assets in an omnibus account with a third-party provider | — |
| Italian withholding agent | No — you self-declare | — |
| Regulator | Bank of Lithuania, FCA | FINMA (Swiss Financial Market Supervisory Authority) |
| OAM Italy registration | Yes | — |
| Segment | B2C | B2C |
| Regions | EU/EEA, UK, US, APAC, LATAM | EU/EEA, UK |
| Licences & safety | Licenza bancaria EU, EMI (UK), FCA | Licenza bancaria FINMA (Swissquote Bank SA) |
Frequently asked questions
Revolut vs Swissquote Card: which is better?
On cashback Revolut wins (up to 1%); for spending abroad FX markup matters, and Revolut does better (0% vs 0.95%). In our editorial rating Revolut leads (4.8 vs 4.3). The choice depends on your real spending profile: redo the math with your volumes before picking between Revolut and Swissquote Card.
Which is cheaper, Revolut or Swissquote Card?
On the standard spending profile Revolut has the lowest net annual cost: €0 versus €0 for Swissquote Card.
Which offers more cashback, Revolut or Swissquote Card?
Revolut has the highest cashback: up to 1%. Note the top rate often requires token staking and is subject to spending caps.
Is Revolut custodial or self-custody?
Revolut is custodial: funds are held by the platform, while Swissquote Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Revolut wins, with the lowest FX markup: 0%.