Revolut plans compared for 2026: which one really suits you?
5 plans, with prices ranging from €0 to €60/month. Here is a clear analysis to understand the differences, spot what is worth paying for, and choose with no regrets.
The 5 Revolut plans at a glance
From the free essentials to the ultra-premium experience, Revolut offers a plan for every use.
Revolut Standard
The essentials for managing your money day to day, with no subscription fee.
Who is it for? Occasional users who just want a convenient account.
Read the review →Revolut Plus
The first paid tier, with basic insurance and more flexibility on currency exchange.
Who is it for? Occasional travellers looking for minimal cover.
Read the review →Revolut Premium
Unlimited exchange, full travel insurance, ×2.5 RevPoints. The best value for money for regular travellers.
Who is it for? Regular travellers who want comfort without paying top price.
Read the review →Revolut Metal
Stainless steel card, ×5 RevPoints vs Standard, discounted lounge access and phone insurance. The professionals' choice.
Who is it for? Professionals spending €1,000+/month who want to optimise everything.
Read the review →Revolut Ultra
The pinnacle: ×10 RevPoints vs Standard, free unlimited lounges, platinum card, ATM withdrawals up to €2,000/month.
Who is it for? Very heavy users (€3,000+/month) who want the maximum.
Read the review →Full comparison table
Every feature side by side so you miss nothing.
| Feature | Standard | Plus | Premium | Ultra | |
|---|---|---|---|---|---|
| Pricing | |||||
| Monthly price | Free | €3.99 | €10.99 | €18.99 | €60 |
| Annual price | Free | €40 | €110 | €185 | €595 |
| Annual saving vs monthly | Not applicable | €7.88/year | €21.88/year | €42.88/year | €125/year |
| Monthly price before 9 July 2026 | Unchanged | Unchanged | €9.99 | €16.99 | €55 |
| Payments & currency exchange | |||||
| Fee-free exchange / month | €1,000 | €3,000 | Unlimited | Unlimited | Unlimited |
| Fee above the exchange allowance | 0.5% | 0.5% | None | None | None |
| Weekend exchange surcharge | 1% | 0.5% | None | None | None |
| Free ATM withdrawals / month | €200 (or 5 withdrawals) | €200 | €400 | €800 | €2,000 |
| ATM fee above the allowance | 2% (min. €1) | 2% (min. €1) | 2% (min. €1) | 2% (min. €1) | 2% (min. €1) |
| RevPoints | |||||
| RevPoints multiplier | ×1 (1 point per €10) | ×1 (1 point per €10) | ×2.5 (1 point per €4) | ×5 (1 point per €2) | ×10 (1 point per €1) |
| Card cashback | No (Pro only) | No (Pro only) | No (Pro only) | No (Pro only) | No (Pro only) |
| Insurance | |||||
| Travel insurance | ✗ | ✓ basic | ✓ full | ✓ premium | ✓ premium (same cover as Metal, trips of up to 90 days) |
| Purchase protection | ✗ | ✓ | ✓ | ✓ | ✓ |
| Phone insurance | ✗ | ✗ | ✗ | ✓ | ✓ |
| Travel | |||||
| Airport lounge access (DragonPass) | Full price (approx. €35/visit) | Full price (approx. €35/visit) | Discounted rate (approx. €28/visit) | Discounted rate (approx. €28/visit) | Free and unlimited (account holder) |
| eSIM data abroad | ✗ | ✗ | 1 GB/month | 3 GB/month | 5 GB/month |
| Partner perks included | ✗ | Super Duolingo, Flo Premium, Lovable Lite, Laundryheap+ | Super Duolingo, Flo Premium, Lovable Lite, Laundryheap+ | Super Duolingo, Flo Premium, Lovable Lite, Laundryheap+, L'Équipe | Amazon Prime, Super Duolingo, Flo Premium, Lovable Lite, Laundryheap+, L'Équipe, ChatGPT Go (21 partners in total) |
| Card | |||||
| Standard card | ✓ | ✓ | ✓ | ✓ | ✓ |
| Metal card | ✗ | ✗ | ✗ | ✓ Stainless steel (18 g) | ✓ Platinum-plated |
| Savings | |||||
| Savings rate boost | None | None | +0.5% | +1% | +1.25% |
Which Revolut plan for your profile?
Each plan was designed for a specific use. Here is who each one is really for.
The occasional user
You rarely use your card and seldom travel. Standard is more than enough. No need to pay for features you will not use.
Discover Standard →The weekend traveller
1 to 3 trips a year and a need for basic insurance. Plus covers the essentials for €3.99/month. The travel insurance alone justifies the subscription.
Discover Plus →The frequent traveller
Unlimited exchange, full travel insurance, ×2.5 RevPoints vs Standard. Premium pays for itself from 2 trips a year. Ideal if you exchange more than €500/month in foreign currencies.
Discover Premium →The nomadic professional
Stainless steel card, ×5 RevPoints vs Standard, discounted lounge access, phone insurance. Metal easily pays for itself from €1,000 of monthly spending. The metal card is a real plus in business meetings.
Discover Metal →The ultra-premium user
×10 RevPoints vs Standard, free unlimited lounges (around €28 saved per visit vs Metal), platinum card, Amazon Prime included. Ultra pays off for profiles who fly frequently (1.5 lounge visits a month or more) or spend €3,000+/month.
Discover Ultra →When upgrading pays off, and when it does not
Moving to a higher plan should be a rational decision. Here are the real break-even thresholds.
Worth it if: you travel at least 2 to 3 times a year AND need travel insurance. At €3.99/month, the Plus plan is almost free compared with the cost of separate travel insurance.
Pointless if: you never travel abroad and do not use the insurance features.
Worth it if: you spend €500+ a month in foreign currencies OR travel often and value full travel insurance. Unlimited exchange alone quickly saves the €10.99/month.
Pointless if: fewer than 2 trips a year and under €500 of monthly spending in foreign currencies.
Worth it if: you travel regularly AND spend €1,000+ a month. The ×5 RevPoints (vs ×2.5 on Premium) + the metal card + phone insurance quickly recoup the €8 difference vs Premium.
Pointless if: under €700 of monthly spending and rare trips.
Worth it if: you use lounges 1.5 times a month or more (each visit saves around €28 vs Metal) or spend €3,000+/month: the ×10 RevPoints vs ×5 then generate a significant surplus. The extra cost to cover is €41.01 a month.
Pointless if: you rarely fly and spend under €2,500/month through Revolut.
Need a personalised calculation based on your actual spending?
Frequently asked questions about Revolut plans
What is the difference between Revolut Premium and Metal?
The main difference between Premium (€10.99/month) and Metal (€18.99/month) comes down to three points:
- RevPoints multiplier: ×2.5 on Premium (1 point per €4), ×5 on Metal (1 point per €2).
- Insurance: Metal adds phone insurance and delay compensation (up to €500) on top of Premium's full travel cover.
- Physical card: Metal includes a genuine stainless steel card (18 g), sturdier and with a premium design.
Both plans give discounted access to airport lounges (around €28 per visit); only Ultra offers free, unlimited access for the account holder. No personal plan includes cashback (it is reserved for Revolut Pro accounts). Metal is worth it from roughly €1,000 of monthly spending, when the ×5 RevPoints and the metal card offset the €8 price difference.
Is Revolut Ultra really worth €60/month?
Ultra is the hardest plan to justify, but it can genuinely pay for itself for very heavy users. Free, unlimited lounges (each visit saves around €28 compared with Metal's discounted rate) are the main lever: 1.5 visits a month are enough to cover the extra €41.01 over Metal. The ×10 RevPoints (versus ×5) and free ATM withdrawals up to €2,000/month (then 2%) come as additional benefits, as do the partner perks (Amazon Prime included, ChatGPT Go for 12 months, 5 GB/month eSIM).
In short: Ultra is worth it if you regularly spend €3,000 or more a month and travel frequently. Below that, Metal offers better value for money.
Can you change Revolut plan at any time?
Yes, Revolut plans are flexible. You can upgrade or downgrade your plan directly from the app. When downgrading, you keep the benefits until the end of your billing period. When upgrading, you are charged pro rata for the rest of the current month.
On a monthly subscription, flexibility is total. On an annual subscription, switching mid-period may incur fees: check the terms in the app.
Is the Standard plan enough for travelling?
Standard is enough for occasional, light travel, particularly for payments in foreign currencies (up to €1,000/month fee-free, then 0.5%) and ATM withdrawals (€200/month free). However, it includes no travel insurance at all.
If you travel without any other cover (traditional bank card, mutuelle, etc.), the Plus or Premium plan is strongly recommended as soon as you take a flight. Travel insurance can be worth several hundred euros in the event of hospitalisation abroad.
Does Revolut charge hidden fees?
Revolut is broadly transparent about its fees, but a few points deserve attention:
- Weekend exchange surcharge: from Friday 5 pm to Sunday 6 pm (New York time), Revolut applies a 1% surcharge on Standard and 0.5% on Plus. Premium, Metal and Ultra are not affected.
- Exceeding the exchange allowance: 0.5% above €1,000/month (Standard) or €3,000/month (Plus).
- Exceeding the ATM allowance: above the free monthly limit, 2% of the amount (minimum €1) on every plan, Ultra included.
- Physical card delivery: one standard card is free, but express shipping may be charged.
- International transfers outside the SEPA area: specific fees may apply depending on the country and currency.
Always check the official fee schedule on Revolut.com for full details.
Not sure which to choose?
Our profitability simulator analyses your profile in 2 minutes and tells you which Revolut plan really pays off for you, with the figures to back it up.
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