A US-issued Visa credit card for customers in the US and 120+ countries
A banking app with virtual debit cards issued where you live
Halocard is the better choice for paying US merchants, subscriptions, AI tools and ad platforms, wherever you live. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, so the card a checkout sees is US-issued even if you live in London or Lisbon. A Revolut card is issued by the Revolut company in the country you live in, so a customer in the UK or Europe gets a UK or European card, and only US residents get a US-issued one. Halocard adds a billing address you choose on each card and up to 60 cards at once. Revolut is the better fit if you want a full multi-currency banking app: its free Standard plan includes virtual cards, and it converts currencies at the interbank rate up to a monthly allowance. Halocard has no free plan, but Essential is free with 3 referrals, and every friend you refer earns you $5 or more a month.
The key differences between Revolut and Halocard start with what each is. Revolut is a banking app, and the Revolut virtual card is a debit card layered in. Halocard is built for virtual card use: subscriptions, online spending, advertising and AI tools, with US-issued Visa credit cards, stablecoin funding and custom billing addresses, for customers in the US and 120+ countries. The biggest practical difference is where each card is issued.
| US-issued card for customers outside the US | HalocardYes | RevolutNot supported |
|---|---|---|
| US-issued card for US residents | HalocardYes | RevolutYes, prepaid debit from Lead Bank |
| Card network | HalocardVisa | RevolutVisa or Mastercard, by region |
A Revolut card is issued by the Revolut company in the country you live in, so a customer in the UK or Europe gets a UK or European card, and only US residents get a US-issued one. That matters at US checkouts that check where a card was issued, or treat foreign and prepaid cards differently: Microsoft Azure, for one, has rejected Revolut cards as prepaid. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, so every card is US-issued, whichever of its 120+ countries you live in. See the Halocard card BIN
| What you spend | HalocardThe balance you load | RevolutYour Revolut balance |
|---|---|---|
| Credit check | HalocardNone | RevolutFor its credit cards only |
| Credit cards | HalocardEvery card is a Visa credit card | RevolutBrazil, Ireland, Lithuania, Poland, Spain and the US |
Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, but merchants see a Visa credit card, which many advertising platforms, subscription services and AI tools treat differently from debit cards during payment checks. Revolut's virtual cards are debit cards tied to your account balance; its credit cards are sold in Brazil, Ireland, Lithuania, Poland, Spain and the US, with a credit check. Check merchant acceptance
| Cards held at once | Halocard3 to 60 | RevolutUp to 20 |
|---|---|---|
| Single-use cards | HalocardAnnual plans, from 2 a month | RevolutOne at a time, on every plan |
| New cards | HalocardAny time, up to your plan's total | RevolutA few every 30 days |
| Disposable cards for subscriptions | HalocardUse a regular card | RevolutNot supported |
Halocard plans hold 3 to 60 cards at once, so each subscription, vendor or ad account can have its own. Revolut caps you at 20 multi-use cards, added a few at a time, plus one disposable card whose number changes after each payment; disposable cards can't be used for subscriptions or added to a phone wallet. See how card limits work
| Per-card spending limits | HalocardDaily, weekly or monthly | RevolutYes |
|---|---|---|
| Freeze or cancel a card | HalocardInstant | RevolutInstant |
| Custom billing address | HalocardYes, on each card | RevolutNot supported |
| Custom cardholder name | HalocardYes | RevolutNot supported |
| 3D Secure codes | HalocardYes | RevolutYes |
Both let you freeze a card and limit what it spends. Halocard also lets you choose the billing address and cardholder name on each card, which is what ad accounts, subscriptions and US-only checkouts verify. Revolut cards carry the details on your Revolut account. Set a card's name and address
| Bank transfer | HalocardUSD, CAD, EUR or GBP | RevolutYes |
|---|---|---|
| Debit or credit card | HalocardVisa, Mastercard | RevolutYes |
| Apple Pay and Google Pay | HalocardYes | RevolutYes |
| Stablecoins | HalocardUSDC, USDT | RevolutSome regions; not the US |
| Crypto | HalocardBTC, ETH, SOL | RevolutSome regions |
Halocard takes debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto wherever you live. Revolut tops up by bank transfer, card and phone wallet, and lets UK customers spend crypto and stablecoins from their card, but its crypto features vary by region: there are no stablecoin services for US customers before a planned 2027 launch. See how to deposit
| Your own account and routing number | HalocardYes | RevolutYes, from Lead Bank |
|---|---|---|
| Receive ACH transfers | Halocard1 to 3 business days | RevolutYes, up to 5 business days |
| Receive same-day ACH | HalocardYes | RevolutUnknown |
| Receive domestic wires | HalocardThe same day | RevolutYes |
| Send ACH and wire transfers | HalocardYes | RevolutYes; ACH free, wires $10 |
Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Revolut gives US customers an account and routing number from Lead Bank for direct deposit, ACH and wires, and sends US-dollar transfers free, except wires at $10. Revolut says it is not a bank. Send and receive USD payments
| Entry plan | Halocard$12/mo, 3 cards | RevolutStandard, free |
|---|---|---|
| Paid plans, UK | Halocard$12, $15 and $75 a month | Revolut£3.99 to £55 a month |
| Paid plans, US | Halocard$12, $15 and $75 a month | Revolut$9.99 or $16.99 a month |
| Referrals pay for your plan | Halocard3 referrals cover Essential | RevolutNot supported |
Revolut's Standard plan is free and includes virtual cards, which makes it the cheaper way in for personal finance and travel. Halocard plans are $12, $15 and $75 a month, and Essential is free with 3 referrals. Compare Halocard plans
| Purchases in USD | HalocardNo fee | RevolutConverted from your balance's currency |
|---|---|---|
| Within the plan's allowance | Halocard1.5% + $0.30 | RevolutInterbank rate |
| Above the allowance, Standard | Halocard1.5% + $0.30 | RevolutUp to 1% |
| Weekends, Standard | Halocard1.5% + $0.30 | RevolutUp to 1% |
| Currencies you can hold | HalocardUSD | Revolut30+ |
Revolut is cheaper for genuine multi-currency spending: it converts at the interbank rate up to your plan's monthly allowance ($1,000 a month on the US Standard plan), then adds a fair usage fee of up to 1%, and up to 1% at weekends on Standard. Halocard keeps one US-dollar balance: no fee on US-dollar purchases and 1.5% + $0.30 on others. See all Halocard fees
| Physical card | HalocardFree with any annual plan or $100 on a monthly plan | RevolutYes |
|---|---|---|
| Apple Pay and Google Pay | HalocardEvery card | RevolutMulti-use cards |
Both work in person. Every Halocard can go in Apple Pay and Google Pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan. Revolut's multi-use virtual cards work with phone wallets too, and every plan can order a physical card. Set up Apple Pay and Google Pay
| Countries | HalocardThe US and 120+ countries | RevolutUK, EEA, Switzerland, US, Australia, Brazil, Japan, Mexico, New Zealand, Singapore |
|---|---|---|
| ID for US residents | HalocardMay ask for an SSN or ITIN | RevolutSSN, ITIN or a US visa |
| Credit check | HalocardNone | RevolutNone for debit cards |
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Outside the US? You don't need an SSN, a US address or a US bank account. Revolut opens accounts only for residents of the markets where it operates, through the Revolut company in that country. See supported countries
| Chat | HalocardYes | Revolut24/7, in the app |
|---|---|---|
| HalocardYes | RevolutOnly if locked out | |
| Phone | HalocardYes | RevolutCard-blocking line only |
Halocard answers by chat, email, and phone on every plan. Revolut keeps support inside its app, has no phone line to a person, and takes email only from customers locked out of the app. Visit the help centre
| Company and country | HalocardHalocard LLC, USA | RevolutRevolut Technologies Inc., US (UK parent) |
|---|---|---|
| Registration or licence | HalocardFinCEN, BSA ID 31000317046430 | RevolutProgram manager; bank charter pending |
| Card issuer | HalocardThird National | RevolutLead Bank |
| Account held at | HalocardSSB, Member FDIC | RevolutLead Bank; savings at Cross River |
| Founders named | HalocardEdward Taylor | RevolutNik Storonsky and Vlad Yatsenko |
| Founded | Halocard2024 | Revolut2015 |
| Trustpilot | Halocard4.2/5 (11 reviews) | Revolut4.7/5 (470,000+ reviews) |
Revolut is a large, well-funded fintech, rated 4.7/5 from 470,000+ reviews; complaints centre on account freezes and slow document checks. Halocard names its company, card issuer, account bank and founder. About Halocard
Rated 4.7/5 on Trustpilot from 470,000+ reviews. The most common complaints:
Users describe AI chat that never reaches a person who can help.
One of the worst support experience
“They have 0 live people onlin e , bots answer all the time and if you get a live person they would drop from the conversation in 15 minutes and all starts anew. … In one hour I had 6 or 7 persons picking up and dropping the chat.”
Good until you have a problem
“My support experience as an Ultra member was terrible 2 out of 3 times. … Their 1st level support is lots of AI comfort speech but no solution and it takes so much time to resolve issues.”
Reports of card disputes and fraud claims left unresolved.
Terrible customer service
“Have been trying to raise a dispute on a transaction for over a month. … Submitted evidence which was constantly being rejected. … Was told there was a fault with the app in the upload journey.”
Lost trust
“In 6 months I have had 3 fraudulent charges that were not refunded by Revolut.”
A Revolut card is issued by the Revolut company in the country you live in, so a customer in the UK or Europe gets a UK or European card, and only US residents get a US-issued one. Halocard gives customers in Europe, Asia and Latin America a US-issued Visa credit card, which is what many US platforms expect.
Revolut is a banking platform with virtual debit cards on the side. Halocard is built around virtual cards, and the difference shows once you are paying AI tools, ad platforms, vendors and subscriptions from one place.
Ad platforms are strict about payment verification, recurring billing and fraud screening. Halocard's US-issued Visa credit cards are accepted at Google Ads, Meta Ads, TikTok Ads, and X Ads, and each ad account can have its own card.
Fund with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, wherever you live. Stablecoin funding lets you use US payment infrastructure without relying entirely on traditional banking.
Hold up to 60 cards, give each vendor its own, set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card.
A Revolut card is issued where you live, so customers outside the US can't get a US-issued card, and US checkouts that check a card's country may treat it as foreign.
Revolut allows one disposable card at a time. Its number changes after each payment, and it can't be used for subscriptions, pre-authorisations or phone wallets.
On the Standard plan, Revolut charges a fair usage fee of up to 1% above the monthly exchange allowance, and up to 1% at weekends.
Revolut's Trustpilot rating is strong, but its negative reviews centre on accounts frozen for checks and slow document approvals, which can leave cards unusable until they are resolved.
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate virtual card for each merchant you pay. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. It is built for online spending: subscriptions, AI tools, cloud services, Google Ads, Meta Ads, TikTok Ads, and X Ads, and international payments.
Create cards in seconds from a web browser, set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card. Fund your balance by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Outside the US? You don't need an SSN, a US address or a US bank account.
Revolut is a fintech app that combines currency exchange, banking, budgeting, investing, crypto and cards. It is designed around consumer banking and international spending, and it holds a banking licence in several of its markets.
Revolut offers multi-use and disposable virtual debit cards on every plan, including the free Standard plan, and multi-use cards work with Apple Pay and Google Pay. Its cards draw on your Revolut balance and are issued by the Revolut company in the country you live in: in the US, they are prepaid debit cards issued by Lead Bank. Revolut sells credit cards only in Brazil, Ireland, Lithuania, Poland, Spain and the US, subject to a credit check.
Based on public information as of October 2026 (see Sources above); Revolut's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Revolut and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Revolut. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.
