Bleap vs Revolut: Full Comparison of Fees, FX Costs, Cashback, ATM Limits & Crypto Charges

Bleap and Revolut serve different needs. Bleap offers 0% FX fees, predictable pricing, 2% USDC cashback, and a self-custodial MPC wallet, making it strong for travel, online shopping, and crypto users. Revolut provides broader banking tools and subscription-based perks but includes FX markups, ATM limits, and crypto fees. The right choice depends on your priorities.

Key Takeaways

• Revolut applies FX markups, weekend surcharges, ATM fees, exchange limits, and crypto trading fees, all confirmed by its official fee schedule.
  
• Bleap uses a simple model: 0% FX fees, 0% conversion fees, 2% cashback, €400 free ATM, and MPC self-custody.
  
• Revolut offers more traditional banking features, multi-currency options, and subscription-tier perks.
  
• Bleap offers more predictable costs for travel, online shopping, and crypto use.

Bleap vs Revolut: Quick Summary 

1. Overview

Bleap and Revolut are both modern neobanks designed for global users, but they follow different fee structures. Revolut uses a tiered subscription model with varying limits and surcharges. Bleap uses a flat-fee structure without FX costs or conversion fees, which makes spending consistent across currencies.

Understanding which performs better requires a detailed look at all verified fees.

2. Fee Comparison

2.1 FX Fees

Bleap applies 0% FX fees for all international payments.

Revolut’s FX structure is more complex:

• Revolut uses its own exchange rate, which is variable and set by Revolut.
  
• Standard plan includes €1,000/month FX limit; above that, a 1% fee applies.
  
• Plus plan includes €3,000/month; above that, a 0.5% fee applies.
  
• Premium, Metal, Ultra have no FX limits.
  
• Weekend FX surcharge is 1% across all plans.
  

FX is one of the areas where Revolut’s real cost varies most, depending on timing and subscription.

2.2 Exchange Rate Method

Revolut does not use Mastercard’s rate. It uses a proprietary Revolut exchange rate that fluctuates based on internal and external data sources.

Bleap uses Mastercard’s wholesale rate by default.

2.3 ATM Withdrawals

Bleap offers €400/month free ATM withdrawals globally.

Revolut Standard (verified):

• Free up to €200/month or 5 withdrawals, whichever comes first.
  
• After the limit: 2% fee, minimum €1.
  
• Withdrawals abroad after limit: 2% fee, minimum €1.
  
  

Higher plans increase allowances but maintain similar over-limit fees.

2.4 Crypto Fees

Bleap charges 0% crypto conversion fees and lets users hold assets in a self-custodial MPC wallet.

Revolut charges:

• 1.99%–5% crypto trading fee, depending on plan, asset, and location.
  
• Spread baked into the quoted exchange rate.
  

Crypto is one of Revolut’s most expensive features relative to alternatives.

2.5 International Transfers

Bleap uses on-chain stablecoins without traditional cross-border fees.

Revolut:

• SEPA transfers: free.
  
• International transfers (non-SEPA): fees apply, shown dynamically in-app.
  
• “Pay All Fees” option allows paying a flat, upfront fee.
  

2.6 Card Costs

Bleap issues both virtual and physical cards for free.

Revolut:

• First physical card is free, but delivery commission applies (€6.99 standard delivery).
  
• Replacement card: €6 plus delivery.
  
• Lightning delivery: €29.99.
  

2.7 Account Administration Fees

If Revolut closes an account and funds remain, an administration fee of €2.3/month applies until the balance is withdrawn.

Bleap has no such fee.

3. Real-World Cost Simulations

These examples illustrate practical differences, using only the fees verified above.

3.1 Travel Example (€1,500 in foreign currency + €300 ATM withdrawals)

Bleap

• FX fees: €0
  
• ATM: within €400 → €0
  
• Cashback (2%): –€30

Net monthly cost: –€30 (savings)

Revolut Standard

• FX: exceed €1,000 allowance → 1% on €500 = €5
  
• Weekend FX surcharge (1% on ~€300 of transactions depending on timing): ~€3
  
• ATM: €200 free, €100 charged at 2% → €2

Net monthly cost: ~€10

3.2 Online Shopping Example ($700/month)

Bleap

• FX: €0
  
• Cashback: ~€14
  Net: –€14
  
  

Revolut Standard

• FX within €1,000 limit: €0
  
• Weekend surcharge (1%) depending on timing: ~€7
  Net: +€7
  

3.3 Crypto Usage Example (€2,000/month converted to crypto)

Bleap

• Conversion: €0
  
• Custody: user retains control
  

Revolut

• Crypto fee: 1.99–5% (€39–€100)
  
• Additional spread built in
  

Bleap’s cost advantage for crypto users is substantial.

4. Revolut Tier Breakdown (Verified)

Standard (Free)

• FX limit: €1,000 → 1% fee above
  
• Weekend surcharge: 1%
  
• ATM limit: €200 or 5 withdrawals → 2% after
  
• Crypto fees: 1.99–5%
  
• Card delivery: €6.99
  

Plus (€3.99/month)

• FX limit: €3,000 → 0.5% after
  
• Same ATM limits as Standard
  
• Crypto fees unchanged
  

Premium / Metal / Ultra

• No FX limit
  
• ATM limits increase by plan
  
• Weekend surcharge still applies
  
• Crypto fees still apply
  
• Additional benefits: insurance, lounge access, partner perks
  

Subscriptions reach up to €55.99/month for Ultra.

5. Hidden Fees (All Verified)

Revolut’s fee schedule includes several charges that only apply under certain conditions:

• Weekend FX surcharge: 1%
  
• Fair usage FX fee above €1,000 / €3,000
  
• Proprietary FX rate instead of Mastercard
  
• 2% ATM fee after limits
  
• Crypto trading fee 1.99–5%
  
• Card delivery fees
  
• Admin fee €2.3/month if account closed with balance
  

Bleap has no comparable surcharges.

6. Security & Custody

Bleap uses MPC (multi-party computation) to secure private keys. This model gives users direct control of their assets without needing seed phrases.

Revolut is a custodial solution. Funds and crypto positions are held by Revolut, which enables banking features but prevents direct on-chain interactions.

Both models are safe but designed for different user types.

7. Who Each Neobank Is Best For

Bleap is best for:

• Users who want predictable fees
  
• Frequent travelers and digital nomads
  
• People who shop online in multiple currencies
  
• Crypto users who want self-custody
  
• Users who prefer simple pricing without subscriptions
  

Revolut is best for:

• Users who want insurance, credit, or multi-currency accounts
  
• People who value premium travel perks
  
• Users who need bank-style services
  
• Heavy lounge or lifestyle perk users
  

FAQ

What is the best card to travel abroad in 2026?

Cards with 0% FX fees perform best. Bleap charges 0% FX and includes €400 free ATM withdrawals, making travel costs predictable. Revolut offers travel perks but applies FX surcharges after limits.

Which card has the lowest FX fees?

Bleap has 0% FX fees. Revolut charges FX fees above allowance and a 1% weekend surcharge.

Which card gives the best cashback?

Bleap gives 2% cashback in USDC. Revolut offers lower cashback rates and only in higher-tier plans.

Which card is better for ATM withdrawals?

Bleap includes €400 free per month. Revolut offers €200 or 5 withdrawals free in Standard, followed by a 2% fee.

Which is better for online shopping abroad?

Bleap, because FX always remains 0% with no weekend surcharge.

Does Revolut charge crypto fees?

Yes. Revolut charges 1.99–5% on crypto trades.

Is Bleap safe?

Bleap uses MPC self-custody, where users control their digital assets.

Is Revolut safe?

Revolut is regulated as a financial institution and uses a custodial structure similar to traditional banks.

Final Verdict

Bleap and Revolut each appeal to different user groups. Revolut offers a wide set of banking tools, travel perks, and multi-currency features but includes FX markups, weekend surcharges, ATM fees, and crypto trading costs.

Bleap prioritises transparency with 0% FX fees, no conversion charges, 2% cashback, and a self-custodial wallet, making it especially strong for travel, online foreign currency spending, and crypto-friendly users.

The best choice depends on whether you value banking breadth (Revolut) or predictability and transparency (Bleap).

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