Revolution at Revolut. New fees, limits and important deadline for users

Revolut has informed customers about major changes to its cryptocurrency services. Revolut Digital Assets Europe Ltd has obtained a MiCA license from the Cypriot regulator CySEC. This is a pan-European regulatory standard for the crypto market, which – as the company emphasizes – is intended to increase security and transparency. In practice, however, the new license means a number of modifications for users, including limits and additional fees.

Changes in the operation of the platform

The most important correction concerns the platform’s operating model. Until now, Revolut has only acted as an intermediary for trading digital assets. After the changes, it will become a direct party to the transaction – the user will trade with Revolut itself, which will use its own capital and Revolut X’s own trading infrastructure. Moving away from intermediation also means that settlement processes will be carried out based on an internal platform.

In correspondence to customers, Revolut warns about a possible extension of the time for withdrawing funds from crypto sales to a bank account. In rare cases, the transfer may take up to five business days. This is important information for people who need quick access to cash after closing a position.

Fees are also changing, which will be most noticeable to users of Premium, Metal and Ultra plans. Revolut is introducing a monthly limit for free exchange between stablecoins and FIAT currencies, which in Poland will amount to PLN 2.1 million. Once this limit is exceeded, a new commission of 0.25% will be charged. The entry into force of this fee is announced on January 8, 2026. As the company explains, the goal is to ensure “fair and balanced” rates for everyone using the service.

New regulations

To continue trading cryptocurrencies in the application, you must accept the updated regulations. This is a requirement resulting from the transition to a model in which Revolut is a party to the transaction. Consent must be given directly in the application. The deadline to confirm the new terms is November 19, 2025. Failure to accept will result in loss of access to the crypto trading feature. The information materials also include links to documents in English: “Cryptocurrency terms and conditions”, “Crypto exchange trading rules” and “Crypto exchange terms and conditions”.

To summarize: Revolut obtaining the MiCA license opens a new chapter for in-app crypto services, but it has specific consequences for users. The role of the operator is changing (from an intermediary to a contractor), there are limits on the free exchange of stablecoins to FIAT and a 0.25% fee after exceeding the threshold, and withdrawal times may be longer in individual cases. It is also crucial to meet the deadline for accepting the new rules – without it, crypto trading in Revolut will not be possible.