Revolut Metal vs Premium: Is the Upgrade Worth It in 2026?

## Revolut Tier Comparison: Finding Your Perfect Plan Revolut has become one of Europe's most popular neobanks and is expanding aggressively in the US and Asia. But with five pricing tiers, choosing the right plan is genuinely confusing. Here's a clear breakdown of what each tier actually delivers. ### Revolut's Plan Structure **Standard (Free)**: Basic banking with monthly limits on fee-free currency exchange and ATM withdrawals. **Plus ($3.99/month)**: Priority customer support, enhanced insurance, more ATM withdrawals. **Premium ($9.99/month)**: Unlimited fee-free currency exchange (up to $10,000/month), 5 free international transfers, 5 × cashback, travel insurance. **Metal ($16.99/month)**: Unlimited currency exchange, 1% unlimited cashback, premium metal card, 5 free ATM withdrawals/month globally, concierge service. **Ultra ($55/month)**: Everything in Metal plus cash back on subscriptions, airport lounge access, and comprehensive travel/health insurance. ### When Standard is Enough If you exchange under $1,000 in currency per month and rarely travel internationally, the free Standard plan covers most needs. The fair usage fee on currency exchange only kicks in after $1,000/month on the free plan. ### The Premium Sweet Spot For regular travelers exchanging $2,000–$5,000/month in currency, **Premium at $9.99** delivers strong ROI: - Unlimited currency exchange at mid-market rates (savings of $30–$60/month vs traditional banks) - Travel insurance coverage (worth $15–$20/month standalone) - 5 free international transfers (worth $12–$15 in fees) **ROI at Premium**: Positive after ~1–2 international transactions per month. ### Metal: For the Frequent Traveler At $16.99/month, Metal makes financial sense if you: - Exchange more than $5,000/month in foreign currency - Make 5+ international purchases per month where cashback matters - Travel frequently enough to use LoungeKey (limited access) and insurance **Metal ROI calculation for a frequent traveler**: $200 annual subscription vs $300–$500 in savings. Positive for ~2–3 international trips per year.