Revolut crypto in Ireland: fees, entity and friction

Revolut lets you buy crypto in Ireland straight from your euro balance, and the company that provides it is Revolut Digital Assets Europe Ltd, based in Limassol, Cyprus. It holds a MiCA authorisation from Cyprus's regulator, CySEC (licence 001/2025, according to Revolut), and uses that to serve customers across the EU, Ireland included. It is a genuine MiCA-authorised provider, listed on the ESMA register, and it is not an Irish one. The convenience is real. So are the costs and some friction, and both are described below.

One caveat shapes the whole page. Revolut's own website blocks automated readers, so the fee and legal details here come from archived copies of Revolut's Irish pages (dated between September 2025 and April 2026, as noted). We have flagged each one. Check the live app before you act on any number.

Three Revolut companies, not one

It helps to separate who does what, because "Revolut" in an Irish context covers several legal entities. Revolut's legal pages and the ESMA register show:

Your day-to-day banking is with Revolut Bank UAB, a Lithuanian bank, which serves Irish customers through an Irish branch (branch registration number 909790, 2 Dublin Landings, North Dock, Dublin 1, per archived Revolut pages). Third-party sources add that Revolut moved Irish customers onto an Irish branch and IBAN; we have only the company's own legal pages on that, so we state no more than that. The bank is the account that holds your euros.

The crypto services come from Revolut Digital Assets Europe Ltd, a Cypriot company (registration HE430310), which ESMA lists as authorised on 20 October 2025 with Ireland among its service states. Revolut quotes its CySEC licence as 001/2025; the ESMA date is the register entry date, so the two need not match. Revolut Ltd, the UK company, serves non-EEA customers and is not the one you should expect.

That means the crypto you buy sits with a Cypriot MiCA provider rather than with the bank, and the bank's status gives the crypto no extra protection. The Central Bank is clear that crypto is not covered by the deposit guarantee or investor compensation scheme. Our explainer on the Central Bank and MiCA sets out what authorisation does and does not give you.

What it costs: fees by plan

Archived Revolut Ireland plan pages (snapshot 15 March 2026) list the crypto exchange fee by plan, and the monthly plan prices alongside it.

A tiered table in an older snapshot (13 September 2025) cuts the percentage as your 30-day volume rises: for the Standard and Plus group, 1.49% up to €10,000, 1.29% from €10,000, 1.09% from €50,000, 0.89% from €100,000 and 0.49% from €250,000. The Premium and Metal and Ultra groups have their own, lower columns. Because that table is a year old at the time of writing, re-confirm it in the app.

Two things to remember. First, the percentage is not the whole cost: Revolut's Irish page also says "exchange rate and plan fees apply", so a markup in the rate may be added, and we could not find the size of it. Second, the monthly plan price only pays off if you use the other features too.

A worked example. A Standard-plan customer buying €1,000 of Bitcoin at 1.49% pays €14.90 in fee, before any rate markup. On Premium it is €9.90 at 0.99%, and on Ultra €4.90 at 0.49%, though Ultra costs €55 a month. If crypto is the only reason you would upgrade, do the sum first. Revolut X, a separate app aimed at more active traders, advertises 0% maker and 0.09% taker fees on its Irish crypto page; this is marketing text from an archived copy, so we treat it as an unverified claim until you see it on the live page.

For wider context on how other apps price the same purchase, see our fee comparison and the guide to crypto apps in Ireland.

Funding, tokens and verification

You buy from your Revolut euro balance, so how you top that up is a general Revolut matter, not a crypto-specific one. We did not verify which top-up methods carry fees. Revolut's Irish page quotes 280-plus tokens, from an April 2026 archived copy. As an existing bank customer you have already passed Revolut's identity checks. Whether there is an additional crypto knowledge or appropriateness test, we could not confirm. Minimum purchase size is also unverified.

Withdrawal friction

Withdrawing crypto out of an app is where convenience tends to turn into constraint. Revolut's legal page lists a "RDAEL Transfer Services Policy" and a crypto risk summary, but we could not read their current text, so we cannot tell you the withdrawal minimums, network fee handling or any limits. The general pattern across retail broker apps is that wallet withdrawals are restricted or unavailable, and this matters a great deal if you want to hold your own keys. The honest advice is to test before you commit: buy a small amount and try the withdrawal screen, or read the policy first. Our wallet guide covers what you would want to move to.

What the press has said

In January 2026, the Irish Examiner reported that an Oireachtas committee criticised Revolut over crypto and data protection. The same report said the average Irish crypto balance on Revolut was just under €450 and that crypto was not a key product for the company, at around 7% of revenue. We have not verified those figures against a primary source, so treat them as press reporting.

An aside: N26 and Bitpanda

If your main account is N26 rather than Revolut, note that N26 Crypto is available to eligible customers in Ireland, among other countries. N26's own page says it is powered by Bitpanda Asset Management GmbH, licensed by Germany's BaFin, and lists a standard fee of 1.5% on Bitcoin and 2.5% on other coins, with a discount mechanism for Metal customers. That is a different product from Bitpanda's own app; see our Bitpanda review for that.

A sensible first purchase

Whatever app you use, the first transaction is where you learn how it behaves. With Revolut, a cautious sequence looks like this.

1. Read the preview, not the plan page

   Open the buy screen, enter €50 and read the quoted euro amount of crypto you would receive. Compare that with the mid-market price shown on a price site. The gap between the two is your real cost, including any rate markup.

2. Buy a small amount and look at the receipt

   Check that the fee line matches your plan. If it does not, screenshot it and ask support before you scale up.

3. Try the withdrawal screen

   Before buying more, see whether the app lets you send the coin to an address you control, and what it shows as a minimum and a network fee.

4. Export your history

   Download the statement and keep it with your tax records. Revenue expects you to be able to show cost and date for each disposal, and Revenue's website is the place to confirm the current rules.

A small first buy costs little and answers most of the questions this page cannot. It also keeps the exposure to something you could afford to lose, which is a sensible rule for any first purchase.

Tax records and the card

Revolut does not change Irish tax. Swaps and spending are disposals for CGT, and you need euro values and dates. We did not test Revolut's statement or tax-report export, so we cannot say what it includes. From 1 January 2026 authorised providers collect data for DAC8, with first returns due 31 May 2027; our DAC8 explainer covers that. If you are thinking about spending crypto through a card, our crypto debit cards page explains why each spend is a taxable event.

Who it suits, and who it does not

How to verify this yourself

Open Revolut's Irish legal documents page and look for the crypto risk summary, the tiered pricing and the transfer policy. Then search ESMA's interim register CSV for "Revolut Digital Assets" and check CySEC as home regulator and Ireland in the services states. Finally, compare the fee on the in-app order screen against the figures here. If they differ, the app wins, and we would like to know.

This is general information, not personal financial, tax or legal advice. Crypto can lose value quickly.