Coinbase vs Revolut Comparison

The Coinbase savings plan targets investors who want to buy regularly and automatically rather than trying to time an entry. The barrier is as low as it gets at a one euro minimum, the range covers more than 400 crypto assets, and execution runs without further intervention: weekly, on the 1st and 15th of the month or monthly. The first purchase is executed as soon as the plan is set up; amount and frequency cannot be changed later, so you cancel the plan and create a new one.

On regulation Coinbase stands well in Europe: it was the first company to hold a BaFin crypto custody licence, and deficiencies identified in 2022 have been remedied according to the company. Crypto services are now provided by Coinbase Luxembourg S.A., licensed under MiCA since 20 June 2025 and supervised by Luxembourg's financial regulator CSSF; the licence covers 30 EEA countries. Payment routes include SEPA transfer, card, PayPal, Apple Pay and Google Pay, an unusually broad selection for the European market. Not every payment method works for the savings plan, the app shows which ones do; instalments can also be paid from the euro balance in the account.

What changed in 2026: Customers in the EEA can no longer buy stablecoins without MiCA authorisation such as USDT, DAI or PYUSD on Coinbase, so they are no longer available for a savings plan either. According to Coinbase, balances still held on the cut-off date of 30 October 2026 are converted once into USDC at the market rate. On 22 October 2026 the Central Bank of Ireland announced a fine of €3.25 million against Coinbase Ireland Limited, which holds euro balances for Coinbase customers: between November 2020 and August 2025 client funds were not adequately safeguarded. The regulator does not allege any loss of client money, and the sanction takes effect once confirmed by the Irish High Court. Details in our Coinbase review.

The sore point is price: up to 1.875% per purchase, depending on the payment method, is high in this comparison, so up to 18.75 euro on 1,000 euro. Across a savings plan with many small instalments that compounds noticeably over the years. Investors who value convenience and regulatory footing above the last fraction of a percent are well served; anyone watching costs should weigh the fees against cheaper savings plan providers.

Revolut is considered one of the most versatile financial apps in the DACH region and is popular with users who want to manage crypto, banking, card payments, and currency exchange in a single application. With more than 300 tradeable cryptocurrencies, Revolut offers by far the broadest coin selection among the brokers compared here. The crypto business sits with the Cypriot entity Revolut Digital Assets (Europe) Ltd., which has held licence CASP001/25 in the CySEC MiCAR register since 20 October 2025. The entity previously named here, RT Digital Securities Cyprus Ltd., is no longer listed there.

Unlike many German neobrokers, Revolut enables transfers to your own wallets, according to Revolut for BTC, ETH and more than 30 other tokens, as well as staking and recurring investments. Biometric verification for withdrawals is viewed positively as an additional security feature. Deposits are possible via SEPA, SEPA Instant Transfer, and credit card, which increases flexibility.

Costs deserve a close look: Revolut advertises exchange fees “from 0%”, but that rate only applies on the Ultra plan above €250,000 of trading volume in 30 days. According to the fee schedule of Revolut Digital Assets Europe, a crypto purchase in the app costs 1.49% on the Standard and Plus plans, 0.99% on Premium and Metal and 0.49% on Ultra, with lower rates at higher volumes. Small orders are subject to a minimum fee, so a €100 purchase costs €2.49 on the Standard plan, and a one-sided spread of typically 0 to 3% comes on top. Trading is considerably cheaper on Revolut's own exchange Revolut X, at 0% maker and 0.09% taker fees. Revolut is therefore especially suitable for investors looking for a wide selection of coins with wallet functionality in an all-in-one financial app.

In September 2026, Revolut confirmed that it had handed over customer data, including identity documents, account statements and transaction histories, in response to forged information requests sent from the email account of a genuine public authority. According to Revolut, around 680 customers in Europe were affected, while its systems and customer funds were not. On 20 October 2026, the app was disrupted for part of the day following an outage at Google Cloud; Revolut said customers' money and data were safe.