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Revolut Metal card review

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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.

€13.99

Maintenance fee

€1

ATM fee

0.5%

Currency conversion fee

Details

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

28

Card deliveryUp to 3 working days
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More Info

Key features

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.

Fees and limits

  • 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.

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.

How to sign up

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 Up to 3 working days.

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

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
Wirex Multi-Currency Card
€1.20
up to £400 per month
GBP, CHF, CZK, CAD, AUD, EUR, SGD, MXN, JPY, HKD

Get a Welcome Bonus of 1,000 WXT when you sign up with Wirex through Finder.

A multicurrency account that lets you spend abroad in over 150 currencies and an array of supported cryptocurrencies.
Revolut Premium
€7.99
€400 per month
GBP, SEK, PLN, CHF, DKK, NOK, USD, CZK, CAD, AUD, NZD, HUF, BGN, GEL, RON, EUR, ZAR, TRY, SGD, SAR, RUB, MXN, JPY, ILS, HKD, HRK, QAR, THB
A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
bunq easyMoney Personal
€7.99
10 withdrawals per month, after which a €0.99 fee applies
EUR
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
€4.90
5 free withdrawals per month
EUR
A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
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Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
€0
3 withdrawals per month
EUR
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
VIALET Current Account
€0
N/A
EUR
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Revolut Standard
€0
€200 per month
GBP, SEK, PLN, CHF, DKK, NOK, USD, CZK, CAD, AUD, NZD, HUF, BGN, GEL, RON, EUR, ZAR, TRY, SGD, SAR, RUB, MXN, JPY, ILS, HKD, HRK, QAR, THB
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
Wise Multicurrency Account
€0
2 withdrawals up to €200 per month
GBP, SEK, PLN, CHF, DKK, NOK, USD, CZK, CNY, CAD, AUD, NZD, AED, UAH, HUF, BGN, RON, EUR, SGD
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.
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Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
bunq easyTravel Personal
€2.99
10 per month
EUR
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
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