Quick Answer
The honest pound verdict first
Before you tap “upgrade”: most UK users 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, a combined £1,000 a month of fee-free currency, crypto and commodities exchange), and the paid tiers only earn their keep once you outgrow those limits or actually use the extras they bundle. Here’s every UK plan in pounds, including the fees that don’t make the headline price, and the test for when paying makes sense.
Revolut plans in GBP compared
| Plan | Price (GBP) | FX allowance (Mon-Fri) | Weekend markup | Fee-free ATM/month | RevPoints |
|---|---|---|---|---|---|
| Standard | Free | £1,000/month, combined | 1% | £200 or 5 withdrawals | 1 per £10 |
| Plus | £3.99/mo | £3,000/month, combined | 0.5% | £200 or 5 withdrawals | 1 per £10 |
| Premium | £7.99/mo | Unlimited | None | £400 | 1 per £4 |
| Metal | £14.99/mo | Unlimited | None | £800 | 1 per £2 |
| Ultra | £55/mo | Unlimited | None | £2,000 | 1 per £1 |
Prices as of August 2026 per Revolut’s UK pricing page; Revolut adjusts them occasionally, so double-check in the app.
What changed: RevPoints, not cashback, and Ultra is £55
If you’re working from older numbers, two corrections matter. First, Revolut UK has retired its old cashback program entirely and replaced it with RevPoints: Standard and Plus both earn 1 point per £10 spent, Premium 1 per £4, Metal 1 per £2, and Ultra 1 per £1. There is no cashback rate to compare against a monthly fee anymore, only points. Second, Ultra now costs £55 a month, not the £45 you’ll still see quoted in some older comparisons. On lounges specifically: Metal’s benefit is discounted Fast Track and lounge passes at 100+ airports, not free entry. Only Ultra includes unlimited access to 1,600+ lounges.
The £1,000 monthly limit, the weekend markup and the ATM allowance, explained
The “no foreign transaction fee” pitch on the free plan is real but has three conditions the marketing page doesn’t lead with:
- The £1,000/month allowance is combined, not a pure travel-spend limit. It covers currency exchange, crypto and commodities together, Monday to Friday. Go over it and Standard pays an extra 1% fair-usage fee (0.5% on Plus) on top of any regular fees.
- Weekends cost more. Any exchange between 5pm Friday and 6pm Sunday New York time carries a 1% markup on Standard and 0.5% on Plus. Premium, Metal and Ultra never pay it. For a weekend city break this is easy to trip without noticing.
- ATM withdrawals have their own cap, separate from the FX limit: £200 a month or 5 withdrawals, whichever comes first, on Standard and Plus; £400 on Premium; £800 on Metal; £2,000 on Ultra. Go over and Revolut charges 2% with a £1 minimum, though it never charges its own withdrawal fee below that limit (a third-party ATM operator’s own fee can still apply).
One thing that’s free everywhere: virtual Revolut cards cost nothing on every plan, including Standard, so don’t treat them as a Premium perk.
Premium and Metal’s real upgrade: travel insurance
The part of Premium and Metal that actually justifies the fee for a lot of travelers is the bundled insurance, which carries the same limits on both tiers: global medical cover £10m a year, car hire excess cover £2,000 a year, winter sports cover £3,000 a year, delayed flight and lost or damaged luggage cover £1,000 a year, and personal liability cover £1m a year. Ultra adds cancel-for-any-reason trip cancellation cover, refunding up to 70% of cancelled flights, trains, accommodation or events, on top of everything Premium and Metal include.
The honest upgrade test
Run your last 12 months. Did you exchange more than £1,000 a month, travel or shop on weekends, withdraw cash abroad often, or pay separately for travel insurance? A “yes” to any one and Premium (£7.99/month, about £96/year if paid monthly) pays for itself. All “no"s and the free plan is smarter: don’t pay to lift limits you never reach. Eyeing Metal? Don’t count on RevPoints to cover the fee on their own: at 1 point per £2, run the numbers for your own spend before assuming the points close the gap. Metal earns its keep through the £800 ATM allowance and the bundled insurance, not the points.
Why even the free plan matters for travel
On a £2,000 trip abroad, the real interbank rate saves £30-60 versus a typical card’s 1.5-3% foreign markup. Add fee-free ATM withdrawals up to the monthly allowance and fraud-proof virtual cards, free on every plan, 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 the UK?
As of August 2026: Standard is free, Plus £3.99/month, Premium £7.99/month, Metal £14.99/month, and Ultra £55/month (not £45, the figure some older roundups still use). Confirm current prices in the app, as Revolut adjusts them and runs promotions.
Is the free Revolut plan enough in the UK?
For most occasional travelers, yes. The free Standard plan gives the real exchange rate with no foreign transaction fee on up to £1,000 a month of combined currency, crypto and commodities exchange, Monday to Friday (1% on anything over that, and 1% on any exchange between 5pm Friday and 6pm Sunday New York time), plus £200 a month or 5 fee-free ATM withdrawals, whichever comes first, then 2% with a £1 minimum. You only need a paid plan once you regularly exceed those limits.
Is Revolut Premium worth it in the UK?
Only if you hit the free plan’s limits: exchanging heavily, withdrawing cash abroad often, or wanting the travel insurance (£10m global medical cover, £2,000 car hire excess, £3,000 winter sports, £1,000 delayed flight and luggage, £1m personal liability). At £7.99/month, so about £96 a year if you pay monthly, it pays for itself for frequent travelers, but it’s wasted if you stay under the free allowances.
Verdict
In GBP: stay free unless you genuinely outgrow the limits or the weekend markup keeps hitting you, then Premium; Metal only if you’ll actually use the £800 ATM allowance and the insurance, not for the RevPoints. Start with the free plan through my link below.