Revolut Metal Review | Unpacking the Perks and Pitfalls of the Premium Plan
Edited By
Miyuki Tanaka
Everyday Use of Revolut Metal
A growing number of users are sharing their experiences with the Revolut Metal plan, revealing insights and critiques. As of July 2025, after months of use, many are weighing the pros and cons of upgrading to this premium offering.
The Allure of the Metal Card
One standout feature is the metal card itself, which many describe as a sleek and premium accessory. As one user noted, "I have the metal sub, black card, the paint is too fragile, that’s the only thing I wish was better." The weight and feel add a tangible sense of luxury, though some users worry about durability.
Security Features: Disposable Cards
Among the most appreciated features are the unlimited disposable virtual cards. These cards deactivate after one use, minimizing the risk of fraud—ideal for online shopping on unfamiliar websites. A strong security measure that users believe enhances the overall experience.
Cash Withdrawal Limitations
On cash withdrawals, the plan allows users up to €870 in free ATM withdrawal per month. Yet, as one user pointed out, cash usage in locations like Croatia remains minimal. "I rarely use cash these days but the option is there for urgent situations," they said. No need to chase down specific ATMs, which is a significant plus.
RevPoints and Loyalty Rewards
Moving on to loyalty, Revolut Metal users earn 1 RevPoint for every €2 spent, redeemable for airline miles at a 1:1 ratio. Some users have grabbed promotional deals, like 10x points on specific purchases, making it easier to accumulate enough points for flight discounts or even full ticket coverage. "FT is worth it on its own without the other benefits," one commented, highlighting that the added value can significantly enhance the user experience.
SEPA Payments: A Mixed Bag
Despite the benefits, the SEPA payment support hasn’t won over everyone. Certain limitations, such as the lack of support for 2D barcodes, have users comparing convenience levels with local banks—"far less convenient than local mobile banking solutions," one user remarked.
Perks that Add Value
Perhaps one of the highlights is the inclusion of premium subscriptions, such as NordVPN and access to The Financial Times, enhancing the value proposition of the Metal plan. Users are pleased with these offerings, integrating them smoothly into their lifestyles.
Travel Benefits and Support
For frequent travelers, discounted airport lounge access is a noteworthy perk at just €29 per visit, compared to standard rates between €45-€70. Users now can even use RevPoints to help cover lounge costs which many see as a significant win. Additionally, travel insurance through XCover has received positive remarks for its reliability in emergencies abroad.
However, the customer support experience, though improved over the recent months, is not universally praised. Feedback suggests that while responses are more human, patience is still required when addressing issues—"The response time is decent, but it could still improve," noted one user.
Key Insights
🏦 Users favor the disposable cards for online shopping security.
💰 Up to €870 in monthly ATM withdrawals offers a useful safety net.
✈️ Earning RevPoints can lead to major savings on flights.
Final Thoughts
Revolut Metal appears to deliver considerable value for those spending actively, traveling occasionally, and seeking added features like subscriptions and insurance. As one user recommended, "If you use your Revolut card actively, it’s worth considering this upgraded plan."
With the conversation heating up around Revolut's Metal plan, many are left wondering: is the upgrade worth every penny?
What Lies Ahead for Revolut Metal Users
There’s a strong chance that Revolut will enhance the Metal plan to attract more active spenders. Users are increasingly valuing the added features like disposable cards and travel insurance, which suggests the likelihood of additional premium partnerships or exclusive deals. Experts estimate around a 60% probability that Revolut will expand loyalty rewards in the coming months, possibly introducing more attractive point redemption options. Such changes would not only maintain current users but also entice new customers looking for more value in their financial services.
Echoes of the Past: A Lesson in Value
The situation with Revolut’s Metal plan brings to mind the rise of credit card rewards in the early 2000s, when brands like American Express started offering lavish perks to lure consumers. Just as many flocked to these offers, often unaware of hidden fees or complexities, today’s users may find themselves drawn to the benefits of the Metal plan without fully understanding the overall value proposition. In both cases, the allure of immediate rewards can overshadow deeper assessments of long-term worth, making it essential for users to analyze what they truly need to avoid getting lost in the promotional noise.