Revolut Metal vs Ultra: Full comparison guide for the UK

Thinking of signing up with Revolut but not sure which plan to go for?

One of the great things about the popular UK finance app is that it offers a choice of plans to suit every budget and user. This includes a free Standard plan and a number of paid plans, each offering increased limits, lower fees and more perks.

At the very top end, there’s the Revolut Metal and Revolut Ultra plans. In this guide, we’ll compare these premium plans on all the things that matter, including features, fees, limits and perks. This should help you choose the right plan for you.

We’ll also show you a fantastic alternative - the Wise account from the money services provider Wise. It’s not a bank account but an international account that lets you manage your money in currencies.

You can send, receive and convert money at great mid-market exchange rates and low, transparent fees*. There’s no monthly fee and you’ll also get dedicated support and volume discounts when sending large amounts.

➡️ Learn more about the Wise account

Revolut Metal vs Ultra - a quick overview

Before we dive into the details of each plan, here’s a quick comparison of both plans:

Revolut Metal: Best for frequent travellers wanting solid perks at an affordable cost

Revolut Metal is a premium plan, formerly the company’s highest plan tier before Ultra was introduced in 2023.

It costs £14.99 a month,¹ and offers increased limits, better discounts and perks compared to lower-tier plans. These are particularly good for travel, as it includes lots of travel insurance cover including flight delays and emergency medical expenses.

You’ll also get a rather attractive reinforced steel debit card (with free express delivery, as well as unlimited currency exchange and discounts of 40% on international transfers.¹

Here’s the full list of features for Revolut Metal:¹

• Metal debit card, with which you can earn 1 RevPoint per £2 spend - these can be redeemed on travel perks such as Airline Miles or discounts on holiday accommodation
• Fee-free ATM withdrawals worldwide up to £800/month - a 2% fee applies above this
• 40% discount on international transfer fees
• Up to 4% AER (variable) savings interest
• Travel insurance - including global medical, car hire excess, winter sports insurance, delayed flight, lost luggage and personal liability insurance (limits apply)
• Link up to 5 full-access Kids and Teens accounts
• Comprehensive purchase insurance cover (when you pay with your Revolut account)
• Discounted access to 1,000+ airport lounges worldwide
• 10 commission-free stock trades per month
• Partner subscriptions worth £2,100 a year - including Financial Times, WeWork, Uber One, MasterClass, NordVPN Plus, Headspace and Tinder Gold.²
• 24/7 priority customer support

Revolut Ultra: Best for premium users wanting full lifestyle, travel and insurance perks.

Revolut Ultra is the company’s all-singing, all-dancing premium plan. It offers a comprehensive list of features and perks, as well as free international transfers and unlimited currency exchange.

You’ll get access to lifestyle, insurance and travel perks worth a whopping £4,290 a year,³ along with a platinum-plated Ultra debit card and priority customer service.

The full list of features includes:¹

• Platinum-plated Ultra debit card, with which you can earn 1 RevPoint per £1 spend - these can be redeemed on travel perks such as Airline Miles or discounts on holiday accommodation
• Fee-free ATM withdrawals worldwide up to £2,000/month - a 2% fee applies above this
• Free international transfers with no Revolut fees
• 3GB global mobile (eSIM) data a month included
• Up to 4.5% AER (variable) savings interest
• Travel insurance - including global medical, trip and event cancellation, car hire excess, winter sports insurance, delayed flight, lost luggage and personal liability insurance (limits apply)
• Link up to 5 full-access Kids and Teens accounts
• Comprehensive purchase insurance cover (when you pay with your Revolut account)
• Unlimited access to 1,000+ airport lounges worldwide, with complimentary food and drinks
• 10 commission-free stock trades per month
• Partner subscriptions worth £4,290 a year - including premium or full access to Financial Times, WeWork, Uber One, The Athletic, MasterClass, Picsart Gold, NordVPN Plus, Headspace and Tinder Gold.³
• 24/7 priority customer support

All of this comes with a rather hefty fee of £55 per month.¹

Which is best for you - Revolut Metal or Revolut Ultra?

So is Revolut Ultra worth it, compared to the much cheaper Metal plan?

The Ultra plan is undoubtedly expensive, but it could be decent value if you’ll use all of the perks and extras - especially if they save you money on things you’d buy anyway.

You’ll need to sit down and do the sums, totting up how much you’d normally spend on things like subscriptions and insurance. Or if budget isn’t a concern and you’re looking for an unlimited plan with lots of extras, Revolut Ultra could be the best choice for you.

Wise – A great alternative to Revolut

Before opening a Revolut account, you might want to see if a Wise account could be a better fit for your needs.

✅ Sign up with Wise for free

**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

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Sources last checked: 09-Oct-2025