Revolut Metal card review

Millions of people have turned away from traditional banks and embraced the new wave of digital banks and banking apps – like Revolut.

Revolut made its name with its free basic account (and we’ve reviewed the Revolut Standard account for you already). Revolut’s easy-to-use app and cheap spending abroad have massive appeal for its users. Now, though, it’s looking to attract wealthier customers by offering a premium service, which comes with the Revolut Metal card.

Get a £20 sign-up bonus

• Exclusive everyday benefits
• Spend abroad like a local
• For new customers only, T&C Apply.

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What is the Revolut Metal card?

Revolut Metal is the fintech company’s most premium subscription plan. It comes with several exclusive features, including:

• Up to 4% AER interest paid daily on cash placed in savings ‘vaults’
• No commission fees on stock trades
• Lowest fees when trading crypto through the app
• The highest free ATM withdrawal limit (£800)
• Cashback on purchases abroad
• Discounted airport lounge access
• Travel insurance

Of course, customers have to pay for these add-ons. A Revolt Metal account is £14.99 per month.

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Name	Product	Ratings	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example	Link
EXCLUSIVE Revolut Standard Account Revolut Standard Account	EXCLUSIVE	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£0	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).		Go to site View details		loading Fetching your data...
EXCLUSIVE Revolut Metal Account Revolut Metal Account	EXCLUSIVE	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£14.99 per month	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Earn 0.1% cashback, purchase discounted LoungeKey passes, get free lounge access for delayed flights and benefit from a discount of 40% on every international transfer. Account fee of £14.99 per month.	Go to site View details		loading Fetching your data...
EXCLUSIVE Revolut Plus Account Revolut Plus Account	EXCLUSIVE	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£3.99 per month	No minimum funding requirement	0% AER	N/A	Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Account fee of £3.99 per month.	Go to site View details		loading Fetching your data...
EXCLUSIVE Revolut Premium Account Revolut Premium Account	EXCLUSIVE	Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£7.99 per month	No minimum funding requirement	0% AER		Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Premium account holders can purchase discounted LoungeKey passes, get free lounge access for delayed flights and benefit from a discount of 20% on every international transfer. Account fee of £7.99 per month.	Go to site View details		loading Fetching your data...
Revolut Ultra Account Revolut Ultra Account		Finder score ★★★★★ ★★★★★ User survey ★★★★★ ★★★★★	£55 per month	No minimum funding requirement	0% AER				View details		loading Fetching your data...

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How to order a Revolut Metal card

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!”.

Whether you’re on the monthly or annual Premium subscription, 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. However, due to Revolut’s limited number of Metal cards, you’ll have to wait a couple of weeks. Revolut will then get in touch to let you know it’s time to upgrade. At this point you can opt out or go ahead.

Revolut Metal fees, limits and pricing

• Card transactions. Free in 120 countries.
• Bank transfer. Fee-free, at the interbank rate, in 25 currencies.
• Withdrawals. Free ATM withdrawals of up to £800 per month. After this limit there is a 2% fee (with a minimum charge of £1). For Revolut Standard accounts, the free ATM withdrawal limit is £200.
• Overdraft. You cannot go into an overdraft. If a purchase exceeds your available funds the transaction will be declined.
• Delivery. Free with Premium and Metal subscriptions, £4.99 with the Standard subscription.
• Premium subscription. This costs £7.99 per month. (Read our review of the Premium service here).
• Metal subscription. This is £14.99 a month. You’d have to spend over £15,000 a year to make up the subscription in cashback.
• Ultra subscription. This is £55 a month or an annual fee of £540. (Read our review of the Ultra service here).

Revolut Metal airport lounge access

One of the key benefits of a Revolut Metal subscription is that it gives you airport lounge access, turning long and exhausting airport waits in fairly pleasant experiences.

This is through LoungeKey, a programme that offers access to over 1,000 airport lounges located in over 120 countries. If you know you’re about to hop on a plane, you can go to the Revolut app and buy a lounge pass. It costs £22 per lounge access per person (except for the very first one, which comes for free) and you can take family and friends with you subject to availability.

You’ll get a QR code to show at the entrance in order to gain access. Benefits vary from lounge to lounge, but usually include a nice area to sit and work, drinks and refreshments, and sometimes even showers or spa services. If you buy a lounge pass and end up not using it, you can get a refund via the Revolut app as long as you request it within 14 days from the purchase.

Another feature of Revolut’s airport lounge offer is SmartDelay. SmartDelay gives you free access to certain airport lounges if your flight is delayed by more than an hour.

Whether or not this benefit is worth the fee depends on many factors, including how often you’re likely to use it and whether or not you can get airport lounge access via your credit card (many offer it, so it’s definitely worth checking). You can find out all the bits and pieces about the LoungeKey programme on this guide we’ve put together.

Other benefits of Revolut Metal

Revolut Metal gives customers a concierge service. Make requests to the concierge in the app and a member of the team will answer your request via email.

You might want a restaurant suggestion or you need to book a last minute trip. The concierge sets up the transaction, but won’t process the deal until you’ve accepted to the final price.

You also get the same perks of Revolut premium, like its comprehensive travel insurance. This covers worldwide emergency medical and dental treatment. On top of this you get compensation for delayed flights and luggage.

Pros and cons of Revolut Metal

The verdict: Is Revolut Metal worth it?

The Metal card probably won’t be great value for money for most people. Unless you’re spending large sums of money outside of Europe you won’t even recoup your subscription fee in cashback.

If you regularly take money out abroad and feel constrained by Revolut Standard’s £200 free ATM withdrawal limit, then Metal’s £800 free cash withdrawal limit might prove appealing. You can get started by visiting Revolut's website and downloading the app.

However Revolut’s Standard account will cover most peoples’ needs. Check out our in-depth review to find out more. It’s also worth checking out other competitors, which you can read about here.

Frequently asked questions

• What are the benefits of a Premium account?

  Free overseas medical insurance, Free global express delivery, Priority 24/7 customer service and Free disposable virtual cards.

• Are there fees when purchasing cryptocurrencies?

  There are no deposit fees, no subscription fees and no exit fees. However, Revolut charges a 1.5% markup on the average exchange price.

• Can I use the Revolut card to pay in shops overseas?

  Yes! Revolut is accepted in all retail outlets that accept prepaid Mastercards.

• How do you verify your identity in the app?

  To verify your identity you will need to go to “Profile” under the “More” section of the Revolut app, tap ‘Personal details’, and verify your identity. You will need to take a picture of a valid government-issued photo ID and a picture of your face.

• Do I have to exchange my money into the local currency of where I'm going?

  Not at all. If you top up your card in your home currency (eg GBP), Revolut will automatically exchange your money to the local currency of wherever you use your card.

• Which countries can you get a Revolut card in?

  Revolut currently only supports countries in the European Economic Area and Switzerland. So, you can only get a card if you’re a legal resident from one of the following countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom for now. But they are launching across the world soon, so stay tuned.

• Do I need a smartphone to check my Revolut account?

  Yes, you need the app installed on your Android or iOS device.

• How to transfer, or get transferred money, into your Revolut account?

  • UK account to sterling Revolut account: First, you need to access your profile by going to the ‘more’ option in the app’s drop-down. Then click on ‘account details’. Here you’ll find your pounds sterling account number and sort code.
  • European account to sterling Revolut account: You’ll need your IBAN details with your unique reference code. Find them through the same process as above.
  • European account to euros Revolut account:Perhaps you live in a European country outside the UK? Or you’re holidaying in Europe? Either way, you might want to top-up in euros from another European currency (like sterling). Follow a similar process to the above steps but create a Euro account. Use your personalised IBAN and send the funds as a SEPA payment with REVOGB21 as BIC and not via SWIFT if you transfer from a European bank account.
  • Account outside Europe into European account: Use the SWIFT details with your unique reference number when you transfer from outside the Single Euro Payments Area. Any SWIFT transfer to your local Revolut account will be rejected and returned with applicable fees applied. So if you’re trying to get paid by an American company in pounds, get them to do it via SWIFT. Or it will cost you money!
  • Other currencies: To top-up currencies other than pounds or euros, then ensure the reference/description for your transfer is the 8-digit reference number highlighted in pink with no other text.
  • A final word of warning: Revolut advises you to create an account which has a currency reflecting that the bank the money is being transferred from – to avoid bad exchange rates. So if you’re working in Australia, make an account for Australian dollars. Or in the UK, make a sterling account. So you might want to avoid the second step from above.

• Is the Revolut card accepted at shops/venues in the UK?

  Yes! Revolut acts like a traditional UK current account when you use your card in the UK. It is accepted in all retails outlets and venues that accept prepaid Mastercards.

• Which countries can I travel to and use my Revolut Card in?

  Revolut supports over 150 currencies, so you can travel and use the card around the globe. Europe, South America, North America, Africa, Asia and Australasia are all covered to some extent. Check Revolut’s website to make confirm specific country coverage.

• Do you get medical travel insurance with Revolut premium?

  Yes. The insurance will cover unforeseen events, accidents, serious illness or bodily injury during your period of insurance. However, they will not cover pre-existing conditions which are not on their “acceptable conditions” list.