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

Revolut Premium review

Thinking about a Revolut Premium account? We find out if it's worth the money.

Revolut has taken the finance world by storm over the past few years and today is one of most valued fintech start-ups in Europe.

In this article, we take a look at Revolut Premium account to see how it stacks up next to the Standard ‘freemium’ experience and the Revolut Metal.

7.99 €

Maintenance fee

1 €

ATM fee


Product NameRevolut Premium
Fee periodMonthly
Maintenance fee7.99 €
Account TypeDigital banks, Current accounts
Online account onlyYes
Supported currencies


Card deliveryExpress
Go to site
More Info

How does Revolut work?

Revolut is a digital banking app available in Europe, including Ireland. Although Revolut doesn’t have any physical locations, you can 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 Premium

Revolut Premium is the digital bank’s mid-tier account offering. It comes with all of the features of Revolut Standard as well as additional perks and higher limits.

Here are the main features:

  • UK and IBAN account
  • Exchange in 30 fiat currencies for no monthly limit (the limit is €1,000 for Standard)
  • No fees on ATM withdrawals up to €400 per month (up from €200 per month with Standard)
  • A range of included insurance covers including overseas medical insurance, delayed baggage and delayed flight insurance and winter sports coverage
  • Exclusive card designs plus free express delivery
  • Priority customer support
  • Disposable virtual cards so you can shop securely online
  • LoungeKey Pass access plus free lounge passes for you and a friend if your flight is delayed by more than an hour
  • 1 free per month cross-border transfers plus transfers at no cost.

Revolut Premium fees

Keep in mind with following fees which come with Revolut Premium:

  • Monthly fee of €7.99
  • An ATM fee of 2% of you go over the monthly withdrawal limit of €400 per month
  • 1 free per month free foreign currency transfers

Pros and cons


  • 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 €400 fee-free each month (2% fee of withdrawal amount thereafter).
  • Virtual cards. Add an extra layer of security when you spend online by automatically generating a disposable virtual card.
  • Revolut Junior. Open accounts for up to 2 children.


  • 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 cashback. Cashback on card payments is not available except for Revolut Metal users.
  • 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.

N26 vs Revolut

While both N26 and Revolut are two of the most popular digital banks in Europe, N26 is a lot more similar to a regular bank than Revolut. Simply put, N26 is designed to be a more streamlined and efficient mobile solution than traditional banks, but Revolut leans closer to a new class of financial service providers with its wide range of advanced features.

For N26, you can hold Euros in the app and exchange it for any currency without being charged a fee. Depending on which account you choose, there are some limits for the number of free ATM Euro withdrawals you have each month – but N26 also lets you send, receive and request money from friends instantly and transfer money into 19 currencies using Wise.

Revolut, on the other hand, allows you to hold multiple currencies in your account including cryptocurrencies. You can also set up automatic savings with your family and friends through multiple sub-accounts.

N26 vs Revolut

The verdict

If you travel frequently or transfer a lot of money abroad, this card may be worth considering. The included insurances are especially useful as they’re active constantly, so you won’t need to sign up for a new policy each time.

However, if you aren’t going to use the extra perks available then you may not get enough value from the card for the €7.99 monthly fee.

You can check out our in-depth review of all Revolut’s accounts, including Standard, here.

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+
  • “Revolut is the greatest bank innovation in the 21st century financial offering available. I love the transparency, the customer service, the low to non exchange rate, the UX/UI (user experience and user interface) and all the continuous benefits and customer-centric initiatives.” — Dino Jugo
  • “I use Revolut when travelling abroad. I find the app very simple to use, great for keeping track of spending and you get a great rate of exchange. On the odd occasion, the app has failed when trying to transfer money but that was resolved eventually. The only other downside is you cannot speak to customer service if you have a problem and have to rely on chat.” — Michael Foxler
  • “When I first downloaded and used the Revolut app and associated services, it was simply brilliant. However, Revolut continue to change the app and have made it increasingly complex and harder to use and now the user experience is rather poor. The services that Revolut offer are still brilliant but please stop ruining the user experience.” — Geoff Wright

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

How to apply

You can open an account with Revolut in a matter of minutes from your smartphone. Once you’ve downloaded the app, you will need to register and verify your identity. You can do this by providing a valid form of ID and snapping a selfie.

Once you’re verified, you’ll need to add funds to your account. You will need to wait for your physical card to be delivered but you can use your virtual cards as soon as you have money available in your account.

Compare a range of digital banks in Ireland

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
N26 Bank Account
0 €
3 withdrawals per month


Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wise Multicurrency Account
0 €
2 withdrawals up to €200 per month


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
0 €
€400 per month


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
0 €
€200 per month


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

Compare up to 4 providers

Name Product Monthly Fee Free ATM withdrawal limit Supported currencies
Revolut Premium
7.99 €
€400 per month


A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
bunq Easy Money Personal
8.99 €
4 withdrawals per month


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


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
2.99 €
€200 per month


Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.

Compare up to 4 providers

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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