Relai vs Revolut Comparison

Relai has established itself in the DACH region as one of the best-known Bitcoin-only apps and is especially appreciated by the Bitcoin community. The Swiss company follows a consistent self-custody approach: Bitcoin is held directly in the in-app wallet, and transfers to external wallets, including hardware wallets, are possible. Customers in the EU are served by Relai EU SASU, which has held a MiCA authorisation from the French financial markets authority AMF since 23 October 2025 and, according to the ESMA register, may operate in all 27 member states via the EU passport; in Switzerland, Relai AG is a member of the self-regulatory organisation VQF. Relai is therefore considered to be on solid regulatory footing.

The savings plan functionality is particularly valued, enabling automatic Bitcoin purchases with direct transfer to your own wallet or a hardware wallet. For investors who see Bitcoin as a long-term store of value and place importance on self-custody, Relai is regarded as one of the most accessible solutions. The fee is 1 % per purchase, or 0.9 % with an invite code; the first monthly auto-invest plan up to €100 remains fee-free. Paying by credit card, Apple Pay or Google Pay adds 3.0 %.

Since only Bitcoin can be traded, Relai is not suitable for investors interested in altcoins, something occasionally criticized by some users. The minimum amount of 50 € and the setup of external wallet transfers are also seen as room for improvement. Relai is therefore especially suited to Bitcoin-focused investors who want to combine self-custody and automated saving with a regulated provider.

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.