Revolut X: Recurring Buys — DCA on Autopilot, for One Coin or a Basket

DCADCADollar Cost Averaging — buying a fixed amount at regular intervals, smoothing out the average purchase price.Read the lesson → strategies fail not because of the math, but because of execution: you forget one month, the next month "I waited because it dropped," the third "I waited because it went up." An automatic purchase takes you out of this cycle. You decide once, and from then on the app executes the purchase — same day, same amount, regardless of price.

Revolut X is one tool here, not the only one. In lesson 1-6 you saw Jupiter DCADCADollar Cost Averaging — buying a fixed amount at regular intervals, smoothing out the average purchase price.Read the lesson → — it works straight from your wallet, but only on the SolanaSolanaA fast blockchain (under 1s, gas under $0.01). Home to the Kamino, Orca and Meteora ecosystem.Read the lesson → network and only with crypto you already hold. Revolut X starts from euros, covers 200+ tokens across several networks, and lets you split one purchase across several coins. The price for that convenience: your crypto sits on the exchange, not with you.

What Revolut X is, and how it differs from crypto in the Revolut app

Revolut X is a separate Revolut crypto exchange. Live as a website since November 2024, and as its own mobile app across the EEA since March 2025. You log in with the same Revolut details, but it's a different app with different pricing:

Account

Two paths — both through the Revolut X app:

1. You have a Revolut account — open Revolut X, log in with the same details, accept the Revolut X terms, answer a few questions about the purpose of the account. Extra document checks usually aren't needed.
2. You don't have a Revolut account — sign up directly in the Revolut X app: phone number, email, personal details, an ID document and a selfie. Verification usually takes up to a business day, sometimes up to seven.

If you don't have a Revolut account yet, you can open one through the course's referral linkad — it changes nothing about the course, and nothing about the fees described below.

Setting up a recurring buy, step by step

Everything happens in the "Growth" tab, under "Recurring buy". There you'll find two things: Revolut's pre-built baskets ("Discover") and a "+ Create custom" button.

1. 1

   Top up euros into your Revolut X balance

   Revolut X has a separate euro balance. Transferring from your main Revolut account is instant and free. Top up enough to cover the next few purchases.

2. 2

   Recurring buy → "+ Create custom"

   The pre-built baskets ("Bitcoin", "Payments", etc.) are Revolut-curated sets with fixed percentages. For your own DCA plan, build a custom one — that way you, not the app, decide what and how much.

3. 3

   Select assets

   On the "Select assets" screen, tick one or more coins and tap "Add". Next to each coin the list shows a "3M return" — that is the past, not a forecast (see the warning below).

   Only buy what you would want to hold long-term with no rule at all — DCA does not fix a bad asset.

4. 4

   Adjust the basket — percentages

   On the "Adjust basket" screen, enter a share for each coin; the total must add up to 100%. For a single coin, that is 100%. Tap "Continue".

5. 5

   Amount and interval

   Choose the amount and frequency: daily, weekly or monthly. You can start right away or from a chosen date. Confirm.

6. 6

   Write it into your rule sheet

   Amount, interval, basket percentages, and the date you will review it. Same template as lesson 1-11 — now with a concrete tool.

Every purchase executes at that day's market price, not the price when you set it up. If the balance is short on the purchase date, that purchase is skipped and the schedule continues from the next period — nothing stops permanently, but nothing warns you either. A recurring buy can be paused (stays on the list, does not execute) or deleted.

A basket with percentages — what it changes for DCA

In lesson 1-11, the trigger is calculated from one coin's average purchase price. A basket with five coins is five separate DCADCADollar Cost Averaging — buying a fixed amount at regular intervals, smoothing out the average purchase price.Read the lesson → rounds in one button: each coin has its own average price and its own 2× threshold, because each one moves differently.

Practical consequence: keep your books per coin, not per basket. In the Revolut X transaction history, every recurring purchase is broken down into individual buys — calculate from those. That's exactly what the diary is for: you log the purchases, it keeps track of the average price and the rounds for you.

What it costs

A recurring buy executes at market price, so it's charged the taker fee — 0.09%. Out of 100 EUR, that's 9 cents. On top of that comes the spread between the buy and sell price in the order book — small for large coins, potentially significant for small ones.

That gives a clear conclusion: buying in pieces is cheap, withdrawing in pieces is expensive. If you bought 10 EUR every week and withdrew every week too, the fixed withdrawal fee alone would eat 12–35% of the amount. So:

• purchases — weekly is fine, the fee is still 0.09%;
• withdrawal to your own wallet — rarely and in bigger chunks: quarterly, or once you've reached an amount where the fixed fee becomes a fraction of a percent (e.g. €3.5 out of €500 is 0.7%);
• while your crypto sits on the exchange, the 2-3 CEXCEXCentralized Exchange — a centralized exchange (e.g. Nexo, Kraken, Binance). Requires KYC.Read the lesson → risk applies — that's a deliberate trade-off, not a forgotten detail.

Selling on Revolut X carries the same 0.09% taker fee (or 0%, if you place a limit order and wait). But a sale is also a taxable event — a recurring buy by itself doesn't create one, a sale at 2× does.

Risks and traps

Template — Revolut X recurring buy

Basket: ______ (coin: __%, coin: __%, coin: __%) = 100%
Amount / interval: ______ EUR / daily · weekly · monthly
Start date: ______      Euro balance top-up: ______ (date / automatic)
Withdrawal rule: once I've accumulated ______ EUR → to my own wallet
Trigger (from 1-11): 2× average price PER COIN → sell 50% of that coin
Bookkeeping: diary / spreadsheet, per coin
Review date: ______

Summary

1. Revolut X is a separate Revolut exchange (RDAEL, MiCAMiCAThe EU crypto-asset regulation (Markets in Crypto-Assets).Read the lesson → CASP), with 0% maker / 0.09% taker and recurring buys daily, weekly or monthly.
2. Recurring buy → "+ Create custom" → assets → percentages up to 100% → amount and interval. Executes at market price, skipped if funds are short.
3. A basket = several DCADCADollar Cost Averaging — buying a fixed amount at regular intervals, smoothing out the average purchase price.Read the lesson → rounds in one button; bookkeeping and the trigger are per coin.
4. Buying in pieces is cheap (0.09%), withdrawing in pieces is expensive (fixed fee) — withdraw rarely and in larger amounts; crypto sits on the exchange until then.
5. "3M return" is marketing; basket composition comes from module 0. Not your keys, selling is taxed, DAC8.