Quick Answer
The honest franc verdict first
Before you tap “upgrade”: most people in Switzerland should stay on the free Standard plan. I’ll argue you out of paying before I argue you into it — Revolut’s free tier already does the expensive part (real exchange rate, no foreign transaction fee on spend abroad), and the paid tiers only earn their keep once you outgrow its limits. Here’s every plan in francs, with the test for when paying makes sense.
Revolut plans in CHF compared
| Plan | Price (CHF) | Key upgrade | Worth it for |
|---|---|---|---|
| Standard | Free | Real rate, no FX fee (to limits) | Most occasional travelers |
| Premium | ~CHF 9.99/mo | Unlimited FX, insurance, virtual cards | Frequent travelers past free limits |
| Metal | ~CHF 16.99/mo | Cashback, lounge access | Heavy spenders only |
| Ultra | Top tier | Unlimited lounges, top cashback | Very rarely |
Prices change — confirm in the app.
The honest upgrade test
Run your last 12 months. Did you exchange currency heavily, withdraw cash abroad often, or pay for separate travel insurance? A “yes” and Premium (~CHF 120/year) pays for itself. Otherwise the free plan is smarter — don’t pay to lift limits you never reach. Eyeing Metal ? Its cashback rarely beats CHF 15–20/month, so only heavy spenders should bother.
Why even the free plan matters for travel
On a CHF 2,000 trip abroad, the real interbank rate saves CHF 30–60 versus a typical card’s 1.5–3% foreign markup. Add real-rate ATM withdrawals and fraud-proof disposable cards, and the free plan covers the costly part for nothing. Full walkthrough in the Revolut review , and how it teams with a points card in Amex vs Revolut . See every plan and points card side by side in our credit cards guide .
Frequently Asked Questions
How much do Revolut plans cost in Switzerland?
Roughly: Standard is free, Premium around CHF 9.99/month, Metal around CHF 16.99/month, and Ultra at the top tier. Confirm current prices in the app, as Revolut adjusts them and runs promotions.
Is the free Revolut plan enough in Switzerland?
For most occasional travelers, yes. The free Standard plan gives the real exchange rate with no foreign transaction fee up to a monthly allowance, plus a fee-free ATM allowance. Given the strong franc, real-rate spending abroad is where Swiss users save most — and the free plan already delivers it.
Is Revolut Premium worth it in Switzerland?
Only if you hit the free plan’s limits — exchanging heavily, withdrawing cash abroad often, or wanting the travel insurance. At roughly CHF 120/year it pays for itself for frequent travelers, but it’s wasted if you stay under the free allowances.
Verdict
In CHF: stay free unless you genuinely outgrow the limits, then Premium ; Metal only if the cashback truly covers it. Start with the free plan through my link below.