Revolut Metal card review

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Revolut Metal Account
Incentive
Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Account fee
£14.99 per month
Interest (AER)
0% AER
Overseas card transactions
0% Mon-Fri

Our verdict

The Revolut Metal account comes with a slick prepaid card and additional perks, but is it worth the extra cost?

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. Revolut also runs promotional deals for new customers from time to time so it may be worth viewing the latest sign-up bonus offers.

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.

Pros

  • Fee-free withdrawals abroad
  • Purchase protection
  • Discounts on holiday accommodation
  • Travel insurance and airport lounge access

Cons

  • Monthly fee applies
  • No overdraft available
  • App-based account

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees
    • Overdraft information
  • Your reviews

Details

Product overview

Incentive
Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Account fee £14.99 per month
Interest (AER) 0% AER
Minimum opening balance £0

Fees

Currency conversion withdrawal for overseas cash withdrawal in Europe (EEA) 0% Mon-Fri
Currency conversion withdrawal for overseas cash withdrawal in non-Europe (EEA) 0% Mon-Fri
Foreign cash transaction fee in Europe Free up to £800 per month
Foreign cash transaction fee in rest of world Free up to £800 per month

Overdraft information

Arranged overdraft available

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, with one option being the Revolut Metal card.

What is the Revolut Metal card?

Revolut Metal is one of the fintech company’s paid subscription plans. It comes with several exclusive features, including:

  • Up to 4.5% AER interest paid daily on cash placed in savings
  • 10 commission-free stock trades per month
  • £800 fee-free ATM withdrawal limit per month
  • RevPoints on purchases
  • Discounted airport lounge access
  • Travel insurance, including winter sports cover

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

Revolut Premium review

Compare the differences between the different Revolut cards

1 - 5 of 5
Product Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example
Revolut logo
Finder score
£0
No minimum funding requirement
0% AER

Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
See dealView details
Revolut logo
Finder score
£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.
See dealView details
Revolut logo
Finder score
£7.99 per month
No minimum funding requirement
0% AER

Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Account fee of £7.99 per month.
See dealView details
Revolut logo
Finder score
£14.99 per month
No minimum funding requirement
0% AER

Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Account fee of £14.99 per month.
See dealView details
Revolut logo
Finder score
£45.00 per month
No minimum funding requirement
0% AER

Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).
Account fee of £55 per month.
See dealView details
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Read the full methodology

How to order a Revolut Metal card

If you already have a Revolut account, then you can upgrade to Metal instantly. In the app, tap your profile icon and then select ‘Your plan’. Scroll down and under ‘Manage your plan’, tap ‘Change plan’ and select ‘Metal’.

If you upgrade your plan, the change is immediate and your billing date will be updated accordingly.

If you are new to Revolut, you will need to download the app, enter your details and upload a photo of your ID plus a selfie.

Revolut Metal fees, limits and pricing

  • Card transactions. Free in 120 countries.
  • Bank transfer. Fee-free, at the interbank rate, in 29 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 Plus, Premium, Metal and Ultra subscriptions, £4.99 with the Standard subscription.
  • Plus subscription. This is £3.99 a month. (Read our review of the Plus service here).
  • 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 in this guide we’ve put together.

Other benefits of Revolut Metal

Revolut Metal account holders benefit from comprehensive travel insurance. This includes global medical and dental insurance, as well as delayed flight, lost or damaged baggage cover, and winter sports cover. In addition, you’ll have personal liability insurance to cover you if you cause damage or injury to someone else while abroad, plus car hire excess insurance.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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