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Revolut Premium vs Revolut Standard

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

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Revolut offers three different acccounts, which include Revolut Standard and Revolut Premium. The third and highest tier account is Revolut Metal. If you currently have a Standard account or are looking at signing up to Revolut you may not be sure if Premium is worth it. 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 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 ATM withdrawal limit of €400 per month. You will also get insurances, express card delivery, disposable virtual cards among other perks.

Revolut Standard vs Revolut Premium: Side by side comparison

Revolut (Standard) Revolut (Premium)
Name Revolut Standard Revolut Premium
Monthly fee €0 €7.99
Cards Physical card with one design available
  • Physical card with exclusive designs
  • Disposable virtual cards
Card delivery Nine working days + delivery fee Three working days
ATM withdrawals Free up to €200 per month, after which a 2% fee is charged. Free up to €400 per month, after which a 2% fee is charged.
SWIFT and cross-border transfers 1 free transfer per month, after which a €0.50 fee is charged.
  • 1 SWIFT transfer per month
  • Unlimited cross border transfers for free
Currencies GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CAD
AUD
RON
EUR
GBP
SEK
PLN
CHF
DKK
NOK
USD
CZK
CAD
AUD
RON
EUR
Cryptocurrencies Instant access to five cryptocurrencies. Instant access to five cryptocurrencies.
Insurance covers No insurance included
  • Overseas medical insurance
  • Delayed baggage and delayed flight insurance
  • Winter sports coverage
Airport lounges No airport lounge access.
  • LoungeKey Pass access
  • Free lounge passes for you and a friend if your flight is delayed by more than one hour
Revolut Junior A Revolut Junior account for one child. Revolut Junior accounts for two children.

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 shine. Look at the features on offer with Revolut Premium and decide if you will actually use them. If you will, are they worth the €7.99 fee? If it will, Revolut Premium is likely more suited to your needs. If you aren’t sure, you may be better off trying Standard out first. You can always upgrade later.

Compare Revolut Metal with digital banks in Ireland

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported Currencies
bunq easyMoney Personal
€7.99
Up to 10 working days

1

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 You
€9.90
Up to 10 working days

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
bunq easyGreen Personal
€16.99
Up to 10 working days

1

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Metal
€16.90
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported Currencies
N26 Bank Account
€0
Up to 10 working days

1

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

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Monese Simple
€0
Within 14 days

2

A dual currency account with no foreign currency fees up to €2,000 per month. Features include budgeting tools and multilingual support.
SWIRL Prepaid Mastercard
€0
2-3 working days

1

A secure, prepaid card that lets you manage and spend your money globally. Use in-store and online at over 30 million locations worldwide.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported Currencies
bunq easyTravel Personal
€0
Up to 10 working days

1

A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
Wirex Travel Card
€1.20
Up to 4 business days

10

A multicurrency account that lets you spend abroad in over 150 currencies and an array of supported cryptocurrencies.
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Compare up to 4 providers

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