Revolut review 2026: crypto and stablecoins for Bulgarian users

Revolut says more than 75 million customers use its app across more than 40 markets, and it offers crypto alongside its bank account. This review looks only at what matters for crypto and stablecoins: which company you contract with, how money moves in and out, what Revolut publishes about fees, who holds the coins, and its regulatory record. Facts were checked on 16 September 2026 against Revolut's Bulgarian pages, the CySEC and ESMA registers and named press reports.

Companies and licences

Revolut splits its services across several legal entities, and the one that matters depends on what you do.

• Crypto: Revolut Digital Assets Europe Ltd (RDAEL), Cyprus. The Revolut Bulgaria fee page states that the cryptocurrency products are offered by RDAEL. CySEC lists it as a MiCA crypto-asset service provider with licence CASP001/25, authorised on 20 October 2025, for custody and administration, operating a trading platform, exchanging crypto for funds and for other crypto, placing, and transfer services. The ESMA register lists Bulgaria among the countries it serves cross-border.
• Account, IBAN and cards: Revolut Bank UAB, which Revolut describes as authorised and regulated by the Bank of Lithuania and the European Central Bank.

Revolut Bank UAB does not appear in the Bulgarian National Bank's register of licensed banks and foreign bank branches dated 23 March 2026. Revolut does not publish a Bulgarian office address on the pages we checked.

How buying, selling and withdrawing work

Adding money. You top up the Revolut account by bank transfer, with a stored card, or with Apple Pay or Google Pay. Customers with an EEA address get a EUR local account with an LT IBAN, a GBP account and SWIFT details for international transfers.

Buying and selling. Crypto is exchanged inside the app against your fiat balance. Revolut says it shows the rate, the fee and the total cost before you confirm. The exception is round-ups and recurring buys, where the breakdown appears after the transaction.

Withdrawing crypto. You can send crypto to an external wallet. Incoming deposits are accepted for supported coins; USDT deposits are rejected because Revolut delisted USDT, stating that it does not meet the stablecoin requirements that apply in the region, including MiCA.

Cashing out to a bank. You sell crypto to fiat in the app, then send a bank payment from your Revolut account. SEPA payments are free on the Standard plan.

Fees as published

Revolut's crypto fee is the greater of a minimum fee or a percentage, set by plan.

On all plans, trades under €2 cost 50% of the trade size. On top of the fee, RDAEL adds a one-sided "product added spread" that Revolut says typically varies between 0-3% of the trade amount.

Stablecoins follow different rules. Revolut does not apply the percentage or minimum fee to exchanges between fiat and stablecoins, though it does between other crypto and stablecoins. On Standard and Plus, stablecoin exchanges count toward the monthly fair usage limit shared with fiat and commodity exchanges: 1% above €1,000 on Standard, 0.5% above €3,000 on Plus. On Premium, Metal and Ultra, exchanges are free up to €500,000 a month, then 0.25%. Conversions between a stablecoin and its reference currency, such as EURR and EUR, carry no fee or spread except on a depeg or abusive use.

Other crypto fees: no custody fee, no deposit fee, and a withdrawal fee of €1 (XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO, ADA) or €3 (all other cryptocurrencies) plus a network fee. Revolut states it keeps the difference if the network fee charged exceeds its actual cost. The Crypto Card has no fee of its own, and card spending from crypto carries no percentage or minimum fee.

Custody

Revolut holds your crypto: custody and administration is a licensed RDAEL service. You can withdraw to your own wallet for the fees above. Revolut's own euro stablecoin, EURR, is issued by Bridge Building S.A. and offered by RDAEL. From August 2026 it entered phased testing for eligible customers in Denmark, Poland and Portugal, launching on Ethereum, with wider availability expected later in 2026.

Support and language

Revolut runs a Bulgarian-language website and help centre. Its contact page says the team is available 24/7, including Sundays, through secure in-app chat in more than 100 languages; Bulgarian is not named in that list.

Regulatory actions

• Lithuania, 2025. The Bank of Lithuania fined Revolut Bank UAB €3.5 million, announced on 8 April 2025, because deficiencies in monitoring business relationships and transactions meant that, in some cases, suspicious operations were not properly identified. LRT, Lithuania's public broadcaster, reported that no confirmed money laundering was found and that the matter ended in an administrative agreement. Status: concluded.
• Italy, 2026. LRT reported on 2 April 2026, citing Reuters, that Italy's competition authority fined Revolut group companies more than €11.5 million over alleged unfair commercial practices, including disclosures about commission-free investing. Revolut rejected the findings and said it would appeal. Status: appeal announced by Revolut. The case does not concern crypto.

Trustpilot

Revolut scored 4.7 out of 5 from 460,201 reviews on Trustpilot on 16 September 2026. The score covers all Revolut products, not crypto alone.

Who Revolut crypto suits

Revolut fits people who already bank with it and want to buy, hold or spend crypto in the same app, in Bulgarian, without managing a wallet. Paid plans make fiat-stablecoin exchanges cheaper, which helps regular stablecoin users. It fits less well if you want to hold stablecoins in your own wallet by default, since each withdrawal carries a service fee, or if you need euro stablecoins in Bulgaria today, as EURR is still in testing elsewhere.

Alternatives

Other MiCA-authorised providers serving Bulgaria include Bitpanda, regulated in Austria, and Crypto.com and OKX, both regulated in Malta. See our reviews of Bitpanda, Crypto.com and OKX. If you want EUR and USD account details in your own name that settle into USDC in a self-custody wallet, read how xChange.bg compares with Revolut.