Revolut Premium vs Metal: Full comparison guide for the UK

Revolut has a number of tiers, all with different prices and perks in the UK. In this guide, we’ll focus on two: Premium and Metal. We’ll cover fees, insurance coverage and lifestyle extras so you can decide whether it’s worth going all in on Metal, or if Premium gives you enough value at a lower cost.

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

What is Revolut?

Revolut is a fintech company offering everyday e-money services through a mobile app. This upstart has become especially popular with travelers and expats because it offers lower-cost currency exchange and fast international transfers.

Where Revolut really stands out, though, is in its paid account tiers. Many of these give you features traditional banks rarely offer, from crypto trading to free meditation app access to winter sports protection.¹

Keep in mind Revolut isn’t a fully licensed bank in the UK yet, though it’s moving in that direction. The company has a restricted license and is investing in Britain to strengthen its case to go full-fledged.² For now, it operates as an electronic money institution with a tiered model that lets users choose their perks.

Revolut Premium vs Metal: Quick overview

Here’s how the two tiers compare at a glance:^1,4,5

What does Revolut Premium offer?

For £7.99 a month, Revolut Premium serves your everyday banking needs with an account and debit card, plus some extra shopping and travel-related perks.⁴

To start, you get unlimited currency exchange at interbank rates, a 20% discount on international transfer fees, and fee-free ATM withdrawals up to £400 a month.¹

Members also get partner perks like free Headspace and Perplexity Pro access and shopping protections like disposable virtual cards, purchase protection and extended return policies.³

In addition, Premium offers a 3.75% variable rate and the option to earn points on purchases. Each month, you get a handful of commission-free stock trades too.¹

You also get priority customer service and the option to personalize your card design, with express delivery. All that is on top of Revolut’s basic benefits, which include an app with budgeting tools and security-features.¹

What does Revolut Metal offer?

If it’s travel insurance you’re looking for, Revolut Metal offers a lot of that. For £14.99 a month, you’re covered with emergency medical insurance abroad, flight delay and lost luggage protection, winter sports cover and personal liability insurance. This is so long as you’re under 76 and not traveling to sanctioned countries or against government advice.⁵

Plus you get everything included in the Premium tier, but with bigger limits: up to £800 in fee-free ATM withdrawals and 10 commission-free stock trades each month. You also receive 40% off international transfer fees, earn 4% AER variable interest on savings and pick up 1 point per £2 spent.¹

Even the partner perks get better. Alongside Premium tier benefits, Metal members get free Financial Times and The Athletic subscriptions, WeWork and Classpass credits, access to AI tools and more.⁵

The card itself looks and feels different too: a sleek, weighty design made of reinforced steel.⁵

Which card is better: Revolut Premium vs Metal?

The best card for you depends on what perks you’ll actually use and how often you’ll use them. Premium overcomes the main limitations of the free plan by giving you unlimited currency exchange, higher ATM allowances, better interest rates and priority support. If that’s really all you’re looking for, there’s no need to pay more than the £7.99 monthly fee.

But Metal delivers more value if you travel frequently or want extra peace of mind on the road. It comes with broad travel insurance coverage, which for many travelers, is worth more than the monthly subscription.

Another reason to opt for Metal is you’d like to bundle and save on subscriptions. Think about it this way: Metal costs £14.99 a month and includes Financial Times Standard Digital access, a subscription that would otherwise cost around £23 a month by itself at FT’s discounted rate.

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.

Sources used:

Sources last checked 30-Sep-2025