Metal cards are the ultimate status symbol. Flash one of those in your wallet, and people know that you’ve got something a little extra. If you’re looking to wave goodbye to plastic, then there are a few options available where you can get these metal perk-laden cards. We have a separate guide on metal credit cards.
Revolut’s Metal plan comes with an exclusive reinforced steel card. You can choose from 5 different shades and even personalise your card. The card is free, but the plan has a monthly fee. However, for this you get unlimited currency exchange, a higher interest on your savings, and winter sports, travel, car hire and personal liability cover. As one of its higher-end plans, Revolut Metal also has a selection of subscriptions to choose from, and you can earn more points for Revolut’s reward scheme - RevPoints. If you’ve got your heart set on a metal card, it’s one of the few around.
Pros
Low overseas fees
Quick sign-up
Earn cashback on spending
Set budgets for financial goals
Virtual cards for online purchases
Easy to transfer money internationally
Cons
1% currency conversion charge on weekend spending abroad
Free cash withdrawals in the UK and abroad both limited to £200 per month
If you don’t want to take out a new card, but are desperate to feel the weight of metal in your wallet, then there are companies which will transform your existing bank card into a customised metal design.
As long as your card has a chip, you can ship it off to be made into a metal card. Depending on the provider, you may even be able to add your own design to your card.
However, it’s not cheap. You’ll pay for the pleasure, and you won’t get any of the packaged account benefits in return.
Bottom line
Metal bank cards are few and far between in the UK. While they may look shiny and impressive, the cards themselves don’t offer much more than a sleek design. It’s the perks behind the card that are of more importance. Remember, if you’re paying a monthly fee for a metal card, make sure the benefits that come with it make sense for your lifestyle to make it worthwhile.
Frequently asked questions
Revolut is the only banking app in the UK to offer a metal card with one of its plans. However, digital wallet and payment card provider, Curve, also offers a metal card with its Pay Pro+ plan.
Metal bank cards work the same way as traditional plastic cards. They can be used for contactless payments, chip-based transactions and online purchases.
Monzo no longer offers metal cards. It used to have the option to have metal cards with its Premium and Plus plans, but when it moved to Extra, Perks and Max it removed this option saying it was too expensive. However, if you already have a metal card as a Premium or Plus customer, you’re able to transfer this over to your new plan until the card expires.
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Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.
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