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Quick Answer

Revolut Metal costs €15.99 a month (around €192 a year, as of August 2026) and adds a metal card, €800 instead of €400 in fee-free cash a month, 3 GB of global eSIM data, fast-track passes and travel insurance with rental-car excess cover and winter sports on top of the Premium plan underneath; cashback no longer exists, replaced by 1 RevPoint per €2 spent. Lounge access is only discounted, not free. Revolut Metal earns its keep through the insurance, the cash limit and the eSIM data, not the points: if you don’t use those extras, the €7-cheaper Premium plan is the better deal.

The €15.99 price above is for Germany (August 2026). Revolut prices Metal by your country of residence: France pays €18.99, the Netherlands €19.99, Spain and Italy €15.99 (the same as Germany), the UK £14.99 and the US $16.99 a month. Check your own country’s price in the app or on Revolut’s pricing page before you upgrade.

The short version

Let me be the reviewer who says the quiet part out loud: most people who want Metal want the metal card, not the maths. And the metal card is the weakest reason to buy it. Revolut Metal stacks higher limits, more eSIM data and a thicker travel insurance policy on top of Premium, genuinely nice perks, but whether they cover the €15.99 a month depends entirely on whether you use them. This Revolut Metal review is about running that math honestly before the shiny card wins the argument for you (our credit cards guide covers every tier and provider).

What changed with Revolut Metal in 2026?

If you’ve read older reviews, update three numbers: Revolut Metal costs €15.99 instead of €16.99 a month (around €192 instead of €204 a year). Cashback, formerly around 0.1% in Europe and 1% worldwide, is gone; Metal now earns RevPoints instead (1 point per €2). And “free lounge visits” don’t exist the way they used to: Metal brings discounted lounge passes and fast-track passes, while free, unlimited lounge access is Ultra-only. New additions are 3 GB of global eSIM data a month and rental-car excess plus winter-sports cover in the travel insurance.

What you get over Premium

  • A metal card, satisfying to hold, and (be honest with yourself) most of the emotional pull.
  • €800 in fee-free cash a month instead of €400 on Premium.
  • 3 GB of global eSIM data a month instead of 1 GB, enough for maps and messaging on a short trip (more in our eSIM guide).
  • Travel insurance with rental-car excess cover and winter sports: the perk that genuinely saves money on a rental-car trip or a ski week.
  • Fast-track airport passes and discounted lounge passes (not free).
  • A 40% discount on international transfers instead of 20% on Premium.
  • RevPoints: 1 point per €2 of spend instead of per €4 on Premium.

Everything that makes Revolut a serious travel tool (unlimited exchange at the interbank rate, base travel insurance, multiple virtual cards) actually comes from the Premium tier underneath. Metal is the perks layer on top.

The maths, run honestly

Start with the points, since they’re the most overrated part: 1 RevPoint per €2 means around 500 points on €1,000 of monthly card spend. Depending on redemption (flight miles through partner programs, hotel discounts, eSIM data), a point is worth roughly €0.005 to €0.01, so about €3 to €5 a month. Against a €15.99 fee, or the €7 gap over Premium, that’s not an argument. Metal has to earn its keep through the other extras: rental-car excess insurance from the rental company itself can easily cost €15 to €30 a day, a winter-sports add-on on a standalone policy €20 to €40 a trip, and a 3 GB travel eSIM €8 to €15. If you take two rental-car trips or a ski week a year and use the eSIM data monthly, you claw back the €84 gap over Premium. If you don’t, you’re paying €84 a year more for a nicer card. Paying in dollars or yen? Find those Metal fees in the USD and JPY plans.

The honest tradeoffs

Pros
  • Everything in Premium
  • €800 in fee-free cash a month
  • 3 GB of global eSIM data a month
  • Travel insurance with rental-car excess cover and winter sports
  • Fast-track passes
  • The metal card is nice
Cons
  • RevPoints are only worth €3 to €5 a month at €1,000 of spend
  • Fee is around €192/year
  • Lounge access only discounted, not free
  • The metal card is the weakest reason to buy it

Who should get it (and who shouldn’t)

Get Metal if you regularly withdraw more than €400 a month, drive rental cars or ski, and genuinely use the eSIM data. Skip it if you don’t; the Premium plan gives you the serious travel features for €7 less a month. If lounge access is the real draw, also weigh an Amex Platinum, whose Global Lounge Collection gives free access to over 1,550 lounges (see Amex vs Revolut), or Revolut Ultra with unlimited lounge access for €65 a month.

Frequently Asked Questions

Is Revolut Metal worth it?

Only if you’ll genuinely use the extras: €800 instead of €400 in fee-free cash a month, 3 GB of global eSIM data, travel insurance with rental-car excess cover and winter sports, and fast-track passes. Revolut Metal costs €15.99/month (around €192/year, as of August 2026), so €7 a month more than Premium. The RevPoints (1 point per €2) and discounted lounge passes don’t cover that gap; if you don’t need the insurance and higher limits, stay on Premium and don’t upgrade just for the metal card.

What does Revolut Metal include over Premium?

Everything in Premium, plus a metal card, €800 instead of €400 in fee-free cash a month, 3 GB instead of 1 GB of global eSIM data, travel insurance that adds rental-car excess cover and winter sports, fast-track airport passes, a 40% instead of 20% discount on international transfers, and 1 RevPoint per €2 instead of per €4. Lounge access is only discounted passes, not free. The core travel features (unlimited exchange at the interbank rate, base travel insurance) come from the Premium tier underneath.

Does Revolut Metal still pay cashback?

No. Revolut replaced cashback (formerly around 0.1% in Europe and 1% worldwide) with RevPoints: Revolut Metal earns 1 RevPoint per €2 of card spend, redeemable for flight miles through partner programs, hotel discounts or eSIM data. Depending on redemption, a point is worth roughly €0.005 to €0.01. At €1,000 of monthly spend that’s around 500 points, so about €3 to €5, well under the €15.99 fee.

Revolut Premium vs Metal: which should I pick?

Premium (€8.99/month) covers the serious travel features (unlimited exchange at the interbank rate, €400 cash a month, travel insurance, 1 GB of eSIM data) at a lower fee. Metal (€15.99/month) only makes sense if you genuinely need the €800 cash limit, the 3 GB of eSIM data, or the rental-car and winter-sports cover. For most travelers, Premium is the smarter stop.

Verdict

Metal is a “want,” not a “need.” If you genuinely use rental-car cover, winter-sports insurance, the €800 cash limit and the eSIM data, enjoy it, and sign up through my link below. If not, the Premium plan is the smarter buy, and there’s no shame in stopping there.

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