Revolut Metal Review: Is It Worth the Price?

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Close-up view of a vibrant multicolored metal facade with abstract geometric patterns.
Credit: pexels.com, Close-up view of a vibrant multicolored metal facade with abstract geometric patterns.

Revolut Metal is a premium account that offers a range of benefits, including travel insurance, concierge service, and exclusive discounts.

One of the standout features of Revolut Metal is its travel insurance, which covers medical expenses, trip cancellations, and delays.

The concierge service is another perk that sets Revolut Metal apart, providing users with access to personalized support and assistance.

The exclusive discounts offered by Revolut Metal can add up to significant savings, especially for frequent travelers.

Card Details

The Revolut Metal card is a solid reinforced steel card, exclusive to Metal customers.

It's available free when you open an account and choose the Metal plan, although additional cards will cost £40 each.

You'll get express delivery of your new card for free.

The Revolut Metal card works in just the same way as other Revolut debit cards. It's a contactless Mastercard.

The Metal card offers a few additional features that other Revolut cards don’t, including up to 1% cashback on spending.

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You can also withdraw up to £800 in cash from an overseas ATM without Revolut charging any fees.

The Metal account holders get enhanced protection on all their card purchases.

The Revolut Metal card has contactless payments built into it. You can just tap the card at supporting terminals to make payments quickly.

After a couple of years, you will see some pretty bad wear and tear on the card.

Features and Benefits

Revolut Metal offers a range of features and benefits that make it an attractive option for those who want to manage their finances efficiently.

With Revolut Metal, you can enjoy unlimited currency exchange, which means you can travel and spend abroad without worrying about excessive fees.

The plan also comes with a free and flashy payment card made of solid reinforced steel and weighing 18 grams.

Revolut Metal provides a generous interest rate of up to 2.96% annual interest with Savings Vaults.

Credit: youtube.com, Revolut Metal Review - 2025 | My Honest Opinion After 1 Year of Using It

You can also earn up to 1% cashback on card spending in 29 currencies, which can add up to significant savings over time.

Additionally, you get 40% off international transfer fees, making it a cost-effective option for those who frequently send money abroad.

If you're a frequent traveler, you'll appreciate the overseas medical insurance (up to £10 million a year) and other travel products, including car hire excess, flight insurance, personal liability insurance, and winter sports cover (limits apply).

Here are some of the key benefits of Revolut Metal at a glance:

  • Up to 2.96% annual interest with Savings Vaults
  • Up to 1% cashback on card spending in 29 currencies
  • 40% off international transfer fees
  • Unlimited currency exchange
  • Withdraw up to £800 a month fee-free from overseas ATMs (2% fee applies afterwards)
  • 10 commission-free stock trades each month
  • Lowest fees for crypto and commodities trading
  • Up to £10,000 of purchase protection a year
  • 10% cashback on Stays accommodation bookings made through the Revolut platform
  • Overseas medical insurance (up to £10 million a year)
  • Free and discounted airport lounge access
  • 24/7 priority customer support

Pricing and Plans

The pricing for Revolut Metal varies by country, with options ranging from $16.99 USD per month in the United States to £14.99 per month in the United Kingdom.

You can save money by paying upfront for a year, which is a good way to budget. In the United States, for example, paying annually would cost $199.88, which is a 20% discount compared to monthly payments.

Credit: youtube.com, Revolut Metal Review 2025 | Worth It or Leave It?

Here's a breakdown of the monthly costs for Revolut Metal in different countries:

Keep in mind that you're committing to a 12-month contract when you sign up for Revolut Metal, and you'll be charged a 2-month dishonor fee if you cancel early.

Pricing & Minimum Duration

The pricing for Revolut Metal varies by country, ranging from $16.99 USD per month in the United States to ¥1,980 YEN per month in Japan.

You can save money by paying upfront for the entire year, which is a good way to reduce fees.

Revolut requires a 12-month commitment for the Metal plan, which means you'll be locked in for a year.

If you cancel your subscription before the 12 months are up, you'll be charged a 2-month dishonor fee.

Here's a breakdown of the pricing for Revolut Metal in different countries:

  • United States: $16.99 USD per month
  • United Kingdom: £14.99 per month
  • European Economic Area (EEA): €15.99 per month
  • Australia: $24.99 AUD per month
  • Japan: ¥1,980 YEN per month
  • Singapore: $19.99 SGD per month

What is the Difference Between Premium and Standard?

If you're considering the Premium plan, you should know that it's a solid choice, but it's worth exploring the Standard plan to see if it fits your needs.

Close up of Paying with Card
Credit: pexels.com, Close up of Paying with Card

The Standard plan is a great option for those who don't need the extra benefits of Premium. You can get started with a low monthly fee.

Revolut Premium is a step up from Standard, offering higher free ATM withdrawal limits and other perks. With Premium, you get $600 per month in free ATM withdrawals.

The Premium plan also offers travel insurance, which can be a lifesaver when you're abroad. This feature is especially useful for frequent travelers.

However, if you're looking for even more benefits, Revolut Premium can't compete with the Metal plan.

Customer Support and Perks

Revolut Metal offers 24/7 priority customer support, which is a significant upgrade from the Standard plan.

With the Metal plan, you can expect a response from the customer service team within a couple of minutes, making it perfect for time-sensitive issues.

The quality of customer service is also much better with the Metal card, based on personal experience.

Credit: youtube.com, Revolut Metal Review - YOU MUST KNOW THIS BEFORE TRYING

You get a lot of extra features with the Revolut Metal plan, including up to 2.96% annual interest with Savings Vaults.

Here's a breakdown of some of the key perks:

  • Up to 2.96% annual interest with Savings Vaults
  • Up to 1% cashback on card spending in 29 currencies
  • 40% off international transfer fees
  • Unlimited currency exchange
  • Withdraw up to £800 a month fee-free from overseas ATMs
  • 10 commission-free stock trades each month
  • Lowest fees for crypto and commodities trading
  • Up to £10,000 of purchase protection a year
  • 10% cashback on Stays accommodation bookings
  • Overseas medical insurance up to £10 million a year
  • Free and discounted airport lounge access
  • 24/7 priority customer support

You can get all of these perks for £12.99 a month, which is a great value considering what you get.

Pros and Cons

Revolut Metal has a lot of great benefits.

Revolut offers a lot of great benefits with the metal card, including a lot of great benefits.

One of the main pros is that it offers a lot of great benefits. The card itself is made of metal, which gives it a premium feel.

The metal card also comes with a lot of great benefits, including a higher limit on foreign transactions.

Another pro is that Revolut Metal offers a lot of great benefits, including travel insurance and concierge services.

However, it’s certainly not perfect, and there are some cons to consider.

One of the main cons is that Revolut Metal is not perfect, and it has its flaws.

Worth It?

Credit: youtube.com, Is Revolut Metal Worth It?

Revolut Metal is definitely worth it for those who use it as their primary debit card and checking account. The Metal plan saves a ton of money in card transactions and currency exchange fees.

If you travel frequently, like 335+ days a year, the benefits of Metal become even more apparent. The 1% cashback is also a nice bonus, especially if you use the card for regular expenses like booking accommodations on Airbnb.

My Personal Experience

I've been using Revolut Metal for over 2 years and it's been a game-changer for me and my partner as digital nomads.

The app is easy to use and the Metal plan has evolved to include investing and trading features.

I've taken advantage of all the benefits it offers, including unlimited foreign exchanges and transfers.

This feature alone has saved us a ton of money while traveling overseas.

Revolut operates on subscription fees, which is worth it for the convenience and savings it provides.

As a digital nomad, I've found that Revolut Metal is my go-to debit card and checking account.

Is It Worth It?

Person Holding a Bank Card
Credit: pexels.com, Person Holding a Bank Card

Revolut Metal can be a lifesaver for frequent travelers, saving you a ton of money in card transactions and currency exchange fees.

If you're someone who spends a lot of money, not using Revolut Metal is essentially pouring money down the drain, thanks to the 0.40% interest on cashback, savings, and investments.

The monthly fee for Revolut Metal might seem daunting, but if you can take advantage of the benefits, it's often a no-brainer.

Travelers will also appreciate the overseas medical insurance and delayed flight insurance, providing a range of financial benefits and support.

Whether you're a leisure or work traveler, Revolut Metal can give you peace of mind while exploring the world.

Cancel My Plan?

Canceling your Revolut Metal plan can be a bit tricky, but I've got the lowdown. You can cancel at any time, but be prepared for a dishonor fee of 2 monthly subscription payments.

If you paid upfront for the year, there's no refund, so think carefully before committing. You'll either need to pay the monthly fee for 12 months or pay upfront and save 20%.

Randall Hagenes

Lead Writer

Randall Hagenes has built a reputation as a versatile and insightful writer, covering a range of topics with a particular focus on international money transfers. His work with Remitly and other financial services companies offers readers a clear understanding of complex financial processes. Specializing in articles that demystify the intricacies of international remittances, Hagenes provides valuable insights for both newcomers and seasoned users of global money transfer services.

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