Revolut crypto in Switzerland: handy, but not free

Our verdict

For many people in Switzerland – and for most newly arrived expats – Revolut is the second account for holidays, online shopping and splitting bills, and the crypto tab is just a tap away. If you already hold francs on Revolut and want to buy a few hundred francs' worth of bitcoin or ether now and then, you need neither a new sign-up nor a transfer to an exchange. On Premium or Metal, the fee drops from 1.49% to 0.99% and the monthly exchange limit disappears.

For small regular savings and for large sums, however, Revolut is expensive. Below CHF 200, the Standard plan charges a minimum fee that works out at almost 4% on a CHF 50 purchase. Add to that a spread that Revolut itself puts at typically 0% to 3%. If you are after Tether, look elsewhere: USDT was removed for Swiss customers in August 2026. And if Swiss supervision matters to you, note that the crypto service comes from Cyprus.

Who are you contracting with?

Revolut was founded in London in 2015. Several companies sit behind the app for Swiss customers, and for crypto that matters. Your account is held with Revolut Bank UAB in Lithuania, represented in Switzerland by Revolut (Switzerland) AG. Crypto services, according to the Swiss fee document, are provided by Revolut Digital Assets Europe Ltd (RDAEL), based in Limassol, Cyprus. Since October 2025 it has been licensed by the Cypriot regulator CySEC as a crypto-asset service provider under the EU's MiCAMarkets in Crypto-Assets Regulation: the EU rulebook for crypto providers, covering capital, custody and disclosure. It does not apply in Switzerland. regulation (licence no. 001/2025) and appears in ESMA's register.

Depending on whether you accepted the RDAEL terms when you opened your crypto account or during the migration, your counterparty may instead be Revolut Ltd in London. It is authorised by the UK's FCA as an e-money institution and registered for crypto services under the anti-money-laundering rules. The terms in the app tell you which company applies to you.

Revolut holds no FINMA licence for crypto. According to press reports, Revolut applied to FINMA for a Swiss banking licence on 16 September 2026. What that will mean for the crypto offer is open – the application does not change today's counterparties. Revolut holds the coins itself; account balances are not covered by the Swiss deposit protection scheme esisuisse, and crypto is not a bank deposit in any case. Our guide to FINMA crypto regulation explains the Swiss framework.

What crypto costs at Revolut

The cost has four parts. Revolut publishes them across several documents that you have to read together.

1. Percentage fee. On Standard you pay 1.49% per buy or sell, 0.99% on Premium and Metal, 0.49% on Ultra. A Revolut table of tiered prices in francs, linked from the Swiss fee document, shows lower rates from CHF 12,500 of volume over 30 days (Standard 1.29%, Premium and Metal 0.79%). RDAEL's fee schedule, on the other hand, gives a flat 1.49% for Standard. The app shows what applies to you before you buy.

2. Minimum fee. Below CHF 200 you pay a fixed minimum fee instead whenever it is higher:

Below CHF 2, Revolut takes 50% of the amount. On Premium and Metal, the minimum is CHF 0.99 up to CHF 50, then CHF 1.49 between CHF 50 and 150.

3. SpreadThe gap between the buying and the selling price. Revolut adds its own margin to the market rate, built into the quoted price.. Revolut distinguishes the market spread from its own mark-up, the "product added spread". This is one-sided – applied either when you buy or when you sell – and according to Revolut "typically" lies between 0% and 3% of the trade amount. It is built into the quoted rate and not shown separately.

4. Fair-usage limit. On Standard, currency exchanges are free of surcharge up to CHF 1,250 a month; above that, 1% is added. According to RDAEL, crypto buys and sells count towards this limit together with your currency exchanges. Premium, Metal and Ultra have no such limit.

On the plus side: there is no custody fee, crypto deposits are free, and exchanges between fiat currency and stablecoinsA cryptocurrency pegged to an official currency such as the US dollar or the euro. are exempt from the percentage fee.

Worked example: CHF 1,000 into bitcoin

Standard plan, francs already in your Revolut account: 1.49% of CHF 1,000 is CHF 14.90. The amount is above CHF 200, so the minimum fee plays no role. If you have not exchanged anything else that month, you stay under the CHF 1,250 limit. If you have already changed CHF 500 into euros for a weekend in Milan, the excess CHF 250 costs an extra 1%, or CHF 2.50. Then comes the spread: at 0% to 3%, that is up to CHF 30 depending on the market. In total, the purchase costs between CHF 14.90 and about CHF 47.

Premium or Metal: 0.99% gives CHF 9.90, no fair-usage surcharge, spread as above. You pay the plan subscription separately.

Small savings plan: putting CHF 50 a month into bitcoin costs CHF 1.99 in minimum fees on Standard – 3.98% per purchase, before the spread. For amounts like that, bitcoin savings apps with a percentage fee and no minimum work out cheaper.

How you get francs into your Revolut account, by bank transfer or card, is governed by Revolut's banking fee schedule; we have not included those costs here. TWINT is not among the options.

Revolut compared

CEX.IO has operated since 2013 and has the lowest trading fees in this table. Swiss customers, however, contract with CEX OVRS LLC in Nevis, which names no regulator; there is no CHF account, so you fund in euros by SEPA or by card (CEX.IO review). Yuh is the Swiss answer to Revolut: account and crypto in one app, 1% per trade, custody at the FINMA-supervised bank Swissquote. Swissquote itself pays off for larger amounts because its fee falls with volume.

Coins, wallet withdrawals and staking

Coins: we could not confirm how many cryptocurrencies Swiss customers can trade; the app shows the current list. What is missing is clear: Tether. Revolut removed USDT for the EEA and Switzerland in three steps – no purchases from 6 July 2026, no deposits from 30 July, full removal on 31 August 2026; remaining balances were converted automatically. Where you can still buy USDT with francs is covered on our page about buying USDT in Switzerland.

Withdrawing to your own wallet: RDAEL's fee schedule provides for withdrawals. The service fee is EUR 1 for XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO and ADA and EUR 3 for all other coins, charged in the CHF equivalent, plus a variable network fee. You add the destination address in the app and confirm it with your PIN or biometrics. The app shows which coins are enabled for your Swiss account. Why self-custodyHolding the private keys yourself, for example on a hardware wallet, instead of leaving them with a provider. makes sense for larger amounts is explained in our overview of crypto wallets.

Staking: according to its fee schedule, RDAEL keeps between 0% and 50% of staking rewards, depending on the coin. We could not confirm whether staking is enabled for Swiss customers. For tax purposes, rewards are income (crypto staking in Switzerland).

Tax

For private investors, capital gains on crypto are tax-free in Switzerland, while your holdings on 31 December are subject to wealth tax. You enter each coin in the securities schedule at the tax value from the Federal Tax Administration's price list. We could not confirm a Swiss tax statement for crypto at Revolut, so save the crypto account statement from the app every year and note your year-end balance. Our guide to declaring crypto on your tax return explains how to fill in the form – handy if this is your first Swiss return.

Strengths and weaknesses

Getting started with crypto on Revolut

1. 1

   Open an account

   Download the Revolut app, sign up with your phone number and enter your Swiss home address. Have your passport or ID card ready for the check with a selfie; foreign nationals use their passport.

2. 2

   Occupation and source of funds

   Revolut asks about your occupation and where your money comes from. For larger amounts, documents such as a salary certificate or bank statement may be requested.

3. 3

   Activate the crypto account

   In the Crypto section, read and accept the terms. They state your counterparty: RDAEL or Revolut Ltd.

4. 4

   Check your plan

   In your profile, the section about your plan shows how much of the exchange limit is left. If you buy more than CHF 1,250 a month, Premium or Metal is worth a look.

5. 5

   Buy and check the final amount

   Enter the amount in francs and check the rate, fee and total before confirming. Compare the rate with an independent source.

Alternatives to Revolut

If you want account and crypto in one app but with Swiss custody, go for Yuh. If you want to send francs straight to a crypto platform and get more coins, look at Bitpanda, with purchases from CHF 1.50. For small monthly bitcoin savings, Pocket Bitcoin, at 1.5% with no minimum, beats a CHF 1.99 minimum fee. The crypto offers of Swiss banks, from PostFinance to the cantonal banks, are compared on our page about crypto banks in Switzerland, and all apps in our comparison of crypto apps in Switzerland.