# ChainATM vs Revolut

> Revolut is a neobank that offers crypto buying and selling inside its banking app, alongside current accounts, cards and currency exchange.

## Side-by-side

| | ChainATM | Revolut |
|---|---|---|
| Website | https://www.chain-atm.com | revolut.com |
| Category | AI-powered crypto wallet (chat + voice) | exchange |
| Fees | 1 credit per tx (0% on USDC and EURC) | A percentage fee that varies by plan tier and monthly volume |
| Interface | AI chat (voice + text) | Banking app with crypto as one tab among many |
| Custody | Non-custodial (self-custody wallet) | Custodial (Revolut holds the assets) |
| AI commands | Yes | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Yes |

## Revolut strengths

- Crypto sits inside an account people already use daily
- Instant buying from a fiat balance
- Very low friction for a first purchase
- Multi-currency banking in the same app

## Revolut weaknesses

- Custodial, so not your keys
- The rate you pay depends on which plan you are on
- No AI or voice
- No swaps, no cross-chain, no DeFi access
- Withdrawal to an external wallet is restricted on some assets

## Why choose ChainATM over Revolut

- Self-custody by default: Revolut's exchange holds your funds
- No order books, no charts, no trading pairs. Just chat
- One app for buy, swap, and send (no separate wallet product)
- Voice commands on iOS

## Common questions

### Is Revolut or ChainATM better for buying and sending crypto?

It depends on which part you do most. Pick Revolut if what your use case turns on is what it is strongest at: Crypto sits inside an account people already use daily; Instant buying from a fiat balance. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows, and it charges 0% ChainATM fees on USDC and EURC. ChainATM is non-custodial throughout: it never holds your funds, and purchases are executed by Coinbase straight into a wallet you control.

### What does Revolut cost compared to ChainATM?

Revolut: A percentage fee that varies by plan tier and monthly volume. ChainATM: 1 credit per transaction, from EUR 0.099 per credit, and 0% ChainATM fees on purchases of USDC and EURC. Other tokens use standard Coinbase on-ramp pricing. Network gas fees apply on both sides and go to the blockchain, not to the provider.

### Can I use Revolut and ChainATM together?

Yes. ChainATM is self-custody and does not require you to move away from Revolut. Many people keep Revolut and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command, or fee-free USDC and EURC purchases.

### Does ChainATM hold my crypto like Revolut does?

No. Revolut holds your crypto on its own books until you withdraw it. ChainATM is non-custodial: the coins land in your own wallet, we never hold your funds, and we never have access to your keys in usable form. There is no withdrawal step, because nobody else held the funds in the first place.

### Is ChainATM available in my country?

Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. The fiat on-ramp runs through Coinbase, with EUR purchases by SEPA, card and Apple Pay.

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)
- [Auf Deutsch lesen](https://www.chain-atm.com/vergleich/revolut.md)