Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Revolut Metal card review

Is the Revolut Metal card worth the extra cost? Here's what you need to know.

The Revolut Metal card is the top-tier account offered by popular digital bank Revolut. This account gets you more perks and higher limits than either of the lower tier account options, but is it worth it?

In this review, we will take you through what you need to know before deciding if Revolut Metal is right for you.

No reviews yet. Write a review

€13.99

Maintenance fee

€1

ATM fee

Details

Product NameRevolut Metal
Fee periodMonthly
Maintenance fee€13.99
Account TypeDigital banks, Current accounts
Online account onlyYes
Supported currencies

28

Card deliveryExpress
Go to site
More Info

How does Revolut work?

Revolut is a digital banking app available in Europe, including Ireland. Choose from one of four tiers and manage your money from the comfort of your own home. With each Revolut account, you’ll get a Euro IBAN account, a UK current account and a bank card. You’ll also be able to spend in more than 150 currencies at the interbank exchange rate and carry out exchanges in 30 currencies fee-free.

When you sign up with Revolut, you have four account options to choose from: Standard, Plus, Premium and Metal.

Key features of Revolut Metal

Revolut Metal is the fintech company’s most premium subscription plan. It comes with several exclusive features, including:

  • Cashback. Receive 0.1% cashback on spending within Europe and 1% outside of Europe, capped at €13.99 per month. This includes cryptocurrency spending.
  • Complimentary insurances. This includes overseas medical insurance, delayed baggage and flight insurance, purchase protection and winter sports coverage
  • Airport lounge passes. LoungeKey Pass access so you can buy lounge passes in the Revolut app. If your flights are delayed, you receive free lounge passes for you and three friends.
  • Virtual cards. Spend online securely with disposable virtual cards.
  • Free ATM withdrawals. Up to €800 per month in fee-free ATM withdrawals (four times more than the Standard account).
  • Metal card. An exclusive stainless steel card, with up to one replacement card per year for free.
  • Cryptocurrency. You’ll have instant access to Revolut’s cryptocurrency feature, which gives you access to five cryptocurrencies.
  • Free foreign currency exchange. No monthly limit on exchanges in up to 30 fiat currencies. You also receive unlimited cross border transfers for free.
  • Revolut Junior. You’ll receive Revolut Junior accounts for up to five children.

Revolut Metal fees

  • Monthly fee. You’ll pay a monthly fee of €13.99.
  • Withdrawals. Free ATM withdrawals of up to €800 per month. After that you will be charged a 2% fee.
  • Overdraft. You cannot enter an overdraft. If a purchase exceeds your available funds, the transaction will be declined.
  • Foreign currency fees. You receive unlimited free foreign currency transfers.
  • Cashback. The Metal account gives you 0.1% cashback.

Pros and cons

Pros

  • Unlimited foreign exchange. There’s no limit on the amount that can be spent, exchanged or transferred at the interbank exchange rate.
  • Free ATM withdrawals. Withdraw up to €800 fee-free each month (2% fee of withdrawal amount thereafter).
  • Cashback. Receive 0.1% cashback on purchases and crypto spending in Europe and 1% outside of Europe (capped at €13.99 per month).
  • Virtual cards. Add an extra layer of security when you spend online by automatically generating a disposable virtual card.
  • Complimentary insurances. Enjoy overseas medical insurance, delayed baggage and flight insurance, purchase protection and winter sports coverage.
  • Revolut Junior. Open junior accounts for up to 5 children.

Cons

  • No interest on savings. Although Revolut says the feature of interest on savings is in the pipeline, it’s not available in Ireland yet.
  • No phone support. Revolut does not offer phone support. A number of Revolut users have also highlighted that its in-app chat support can be slow.

The verdict

If you are a big spender that like to take money out abroad, travels regularly or needs to spend large amounts in foreign currency, this card might be worth considering. The exclusive metal card is also great for people that don’t mind spending a little more for it.

However, if you’re just looking for a card with travel perks and the limits aren’t too restrive, Revolut Premium may be worth looking at. For those that don’t need the insurances or extra spending limits and just want a good card with budgeting tools and that is a great travel companion, Revolut Standard may be more up your alley.

Experiences from other Revolut users

Revolut scores 4.4 out of 5 based on 93,560+ reviews and is rated Excellent on Trustpilot.

User ratings# of reviewsWhat do customers say
4.4 / 593,560+
  • “Excellent exchange rates between currencies. Great for travelling. No fee bank transfers for sending money. Cool Metal Mastercard. Buy crypto and trade stocks. Into my seconds year and hardly use my other bank anymore.” — Mark Miller
  • Great app and features but slow customer and not always very good customer service. I paid for the Revolut metal plan which was supposed to give me priority, however, didn’t do much and still had to wait hours for service.” — Jonathan
  • Well, as a metal member, I’m finding it difficult to get in touch with the customer support (supposedly premium), also the app should be easier to navigate. Must admit I get a bit annoyed at all the benefits given to new members without rewarding the old ones.” — Marta

*Note: Information provided is based on the reviews and rating on Trustpilot (18 October 2021).

How to apply

You can sign up for a Revolut Metal account easily online. If you’re a new customer, download the Revolut app and create an account. You’ll need to verify your ID with documentation and by taking a selfie. After you’re verified, you can start using your Revolut Metal account. Your card should be delivered in Express.

If you’re already on Revolut Premium, then you can upgrade to Metal instantly. Under the “More” section of the app, go to “Upgrade” and press “Go Metal!”. Revolut will refund you for the month or months you didn’t use your Premium account.

If you have a Revolut Standard account, go to the “Upgrade” section to make the request.

Compare Revolut Metal with digital banks in Ireland

1 - 11 of 11
Name Product Mobile view decorator DBS Monthly Fee Free ATM withdrawal limit Supported currencies
Revolut Premium
  • Monthly fee

    €7.99

  • Free ATM withdrawal

    €400 per month

  • Supported currencies

    28

€7.99
€400 per month

28

A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
bunq Easy Money Personal
  • Monthly fee

    €8.99

  • Free ATM withdrawal

    4 withdrawals per month

  • Supported currencies

    19

€8.99
4 withdrawals per month

19

A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
N26 Smart
  • Monthly fee

    €4.90

  • Free ATM withdrawal

    5 free withdrawals per month

  • Supported currencies

    1

€4.90
5 free withdrawals per month

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Revolut Plus
  • Monthly fee

    €2.99

  • Free ATM withdrawal

    €200 per month

  • Supported currencies

    28

€2.99
€200 per month

28

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
bunq Easy Green Personal
  • Monthly fee

    €17.99

  • Free ATM withdrawal

    4 withdrawals per month

  • Supported currencies

    19

€17.99
4 withdrawals per month

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
Wirex Premium
  • Monthly fee

    €9.99

  • Free ATM withdrawal

    €400 per month, then 2% fee

  • Supported currencies

    12

€9.99
€400 per month, then 2% fee

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
N26 Metal
  • Monthly fee

    €16.90

  • Free ATM withdrawal

    8 withdrawals per month

  • Supported currencies

    1

€16.90
8 withdrawals per month

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
bunq Easy Bank Personal
  • Monthly fee

    €2.99

  • Free ATM withdrawal

    5 withdrawals per month

  • Supported currencies

    19

€2.99
5 withdrawals per month

19

Benefit from zero FX fees, bill splitting facility and a wide range of advance payment features with this low cost digital account.
N26 You
  • Monthly fee

    €9.90

  • Free ATM withdrawal

    5 withdrawals per month

  • Supported currencies

    1

€9.90
5 withdrawals per month

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Wirex Elite
  • Monthly fee

    €29.99

  • Free ATM withdrawal

    €400 per month, then 2% fee

  • Supported currencies

    13

€29.99
€400 per month, then 2% fee

13

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
Revolut Metal
  • Monthly fee

    €13.99

  • Free ATM withdrawal

    €800 per month

  • Supported currencies

    28

€13.99
€800 per month

28

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
loading

Compare up to 4 providers

1 - 6 of 6
Name Product Mobile view decorator DBS Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
  • Monthly fee

    €0

  • Free ATM withdrawal

    3 withdrawals per month

  • Supported currencies

    1

€0
3 withdrawals per month

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wise Multicurrency Account
  • Monthly fee

    €0

  • Free ATM withdrawal

    2 withdrawals up to €200 per month

  • Supported currencies

    19

€0
2 withdrawals up to €200 per month

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Wirex Standard
  • Monthly fee

    €0

  • Free ATM withdrawal

    €400 per month

  • Supported currencies

    13

€0
€400 per month

13

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Revolut Standard
  • Monthly fee

    €0

  • Free ATM withdrawal

    €200 per month

  • Supported currencies

    28

€0
€200 per month

28

Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
VIALET Current Account
  • Monthly fee

    €0

  • Free ATM withdrawal

    N/A

  • Supported currencies

    1

€0
N/A

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Nuri
  • Monthly fee

    €0

  • Free ATM withdrawal

    Unlimited

  • Supported currencies

    1

€0
Unlimited

1

Invest in cryptocurrencies and enjoy up to 3% interest per year on Bitcoin deposits with this digital bank account
loading

Compare up to 4 providers

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
Go to site