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Revolut Premium vs Revolut Standard

Should you pay for a more premium account? We compare so you can decide.

Revolut offers four different accounts, which include Revolut Standard, Revolut Plus, Revolut Premium and Revolut Metal. If you currently have a free Standard account or are looking at signing up to Revolut, you may be wondering if the higher tier accounts are worth the monthly fees. We will compare Revolut Premium and Revolut Standard side by side so you can decide which account is right for you.

Quick review

Revolut Standard

The Standard account will cost you €0 per month and offers a number of the features that has made Revolut so popular. These include a free UK and IBAN account, the ability to spend in over 150 currencies at the interbank rate and access to cryptocurrencies. However, you’re limited as to how many free ATM withdrawals you can make (up to €200 per month) and there is also a limit on how much you can exchange in fiat currencies.

Revolut Premium

Revolut Premium is the digital bank’s mid-tier account which costs €7.99 per month. You get all the features of Revolut Standard and then some. You can exchange in fiat currencies without a limit and have a higher free ATM withdrawal limit of €400 per month. You will also get insurances, express card delivery, disposable virtual cards among other perks.

Breakdown of Revolut Standard vs Revolut Premium in Ireland

Revolut Standard

Revolut Premium

Revolut Standard

Revolut Premium

OVERVIEW
Description Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account. A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
Monthly fees: €0 €7.99
Card delivery Up to 9 working days Up to 3 working days
Mobile wallets Apple Pay
Google Pay
Apple Pay
Google Pay
Supported currencies 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
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
Free ATM withdrawals limit €200 per month €400 per month
GLOBAL SPENDING
Currency conversion fee 0.5% 0.5%
Free currency conversion limit Up to €1,000 per month, after which a 0.5% fee is charged Unlimited
EXTRA FEATURES
Savings function Account with interest earned Account with interest earned
Benefits Payment notifications
Bill splitting
Spending categorisation
Fast transfers
Web app
Payment notifications
Spending categorisation
Cryptocurrency
Virtual cards
Cashback
Fast transfers
Web app
Learn more

*We selected products from each provider that were the most comparable. You can find all available products on our review pages as well as the provider’s website.

Verdict

Both Revolut Standard and Revolut Premium offer a number of useful features include overseas ATM withdrawals, budgeting tools and foreign exchange in the app. Revolut Premium obviously offers more features, but don’t get distracted by shiny things just because they are shiny. Look at the features on offer with Revolut Premium and decide if you will actually use them. If you think you will, are the features worth the €7.99 fee? If they are, Revolut Premium is likely more suited to your needs. If you aren’t sure, you may be better off trying Standard or Plus out first. You can always upgrade later.

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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Compare up to 4 providers

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