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Quick Answer

Revolut Premium costs €8.99 a month (around €108 a year, as of August 2026) and unlocks unlimited currency exchange at the interbank rate with no weekend markup, €400 instead of €200 in fee-free cash a month, travel insurance, 1 GB of global eSIM data a month and discounted lounge passes. Revolut Premium only pays for itself if you regularly exchange more than €1,000 a month, withdraw cash abroad often, or would otherwise buy separate travel insurance: fall short of those, and the free Standard plan already covers what most occasional travelers need.

The €8.99 price above is for Germany (August 2026). Revolut prices Premium by your country of residence: France pays €10.99, Spain and Italy €9.99, the Netherlands €10.99, the UK £7.99 and the US $9.99 a month. Check your own country’s price in the app or on Revolut’s pricing page before you upgrade.

The short version

I’m going to argue you out of this upgrade before I argue you into it, because most people reading a Revolut Premium review don’t actually need Premium. The free Standard plan already kills foreign transaction fees. Revolut Premium only earns its €8.99 a month when you bump into the free plan’s ceilings. So the real question isn’t “is Premium good?”; it’s “do you hit the limits?” Here’s how to know, and our credit cards guide shows how Revolut stacks up against other travel cards.

What changed in 2026?

A quick correction: Revolut Premium has cost €8.99 instead of €9.99 a month since 2026, so around €108 instead of €120 a year. New in the package: 1 GB of global eSIM data a month, discounted lounge passes and RevPoints (1 point per €4); the old cashback no longer exists on any Revolut plan. The free plan underneath charges a 1% fair-usage fee above €1,000 of monthly exchange (not 0.5%, that’s the Plus rate).

What you get over the free plan

  • Unlimited currency exchange at the interbank rate, with no monthly allowance cap and no weekend markup. (Standard gives the interbank rate too, but only Monday through Friday up to €1,000/month, with a 1% fair-usage fee above that and a 1% weekend surcharge.)
  • More fee-free cash: €400/month versus the free plan’s €200.
  • Travel insurance for trips paid on Revolut, covering overseas medical emergencies, flight delays and delayed baggage (with conditions; read them).
  • 1 GB of global eSIM data a month, handy for the first few days before you book a travel eSIM.
  • Discounted lounge passes (not free) and a 20% discount on international transfers.
  • RevPoints: 1 point per €4 of card spend instead of per €10 on Standard, redeemable for flight miles, hotel discounts or data.
  • Multiple virtual cards: create a separate card number per subscription, the backbone of the security system I use daily.
  • Priority support and disposable virtual cards for unknown merchants.

The exact upgrade test

Add up your last 12 months and ask three questions:

  1. Did you regularly exchange more than €1,000/month in foreign currency (or convert often on weekends)?
  2. Do you withdraw more than €200 a month in destinations where cash is king?
  3. Would the travel insurance replace a policy you’d otherwise buy?

A “yes” to any one of these and Revolut Premium pays for itself quickly. Three “no"s and you’re about to spend around €108 a year lifting limits you never reach, so stay on Standard.

The honest tradeoffs

Pros
  • Unlimited exchange at the interbank rate, no weekend markup
  • €400 a month in fee-free cash
  • Travel insurance can replace a standalone policy
  • 1 GB of global eSIM data a month
  • Multiple virtual cards for the security setup
  • Disposable cards included
Cons
  • Around €108/year, pointless under the free limits
  • Insurance has conditions and excesses, read them
  • Lounge passes only discounted, not free
  • Overkill for a couple of trips a year
  • Cash allowance still capped (just higher)

Who should get it (and who shouldn’t)

Get Premium if you exchange currency heavily, withdraw cash often, or want the insurance. Skip it if you don’t bump into the free allowances. And don’t jump to Metal unless you’ll genuinely use the €800 cash limit, the 3 GB of eSIM data, or the rental-car and winter-sports cover: the RevPoints (1 per €2) and discounted lounge passes alone don’t cover the €7 monthly gap.

Frequently Asked Questions

Is Revolut Premium worth it?

Only if you actually hit the free Standard plan’s limits. Revolut Premium (€8.99/month, around €108/year, as of August 2026) earns its keep when you exchange more than €1,000 a month, convert often on weekends, withdraw more than €200 a month, or want the built-in travel insurance to replace a standalone policy. If you travel a couple of times a year and rarely take out cash, stay on Standard: you’d be paying to lift limits you never reach.

What does Revolut Premium include over Standard?

Unlimited currency exchange at the interbank rate (no €1,000 monthly cap, no weekend markup), €400 instead of €200 in fee-free cash a month, travel insurance for trips paid on Revolut (overseas medical emergencies, flight delays and more), 1 GB of global eSIM data a month, discounted lounge passes, a 20% discount on international transfers, 1 RevPoint per €4 instead of per €10, and multiple virtual cards. The Standard plan already covers no-fee foreign spending up to an allowance, so Premium is about removing those caps.

Is Revolut Premium’s travel insurance any good?

It can replace a basic standalone policy: it covers overseas medical emergencies, flight delays and delayed baggage for trips paid with Revolut, but it has conditions, limits and excesses. Read the policy document before you rely on it, especially for pre-existing conditions, high-value gear or adventure activities; rental-car excess cover and winter sports only come with Metal.

Should I get Premium or Metal?

Premium if you want unlimited exchange, €400 a month in cash and the travel insurance. Step up to Metal (€15.99/month) only if you’ll genuinely use the €800 cash limit, the 3 GB of eSIM data, the rental-car excess and winter-sports cover, or fast-track passes: the RevPoints (1 point per €2 instead of per €4) and discounted lounge passes alone don’t justify the €7 monthly gap. For most people, Premium is the better-value stopping point.

Verdict

Revolut Premium is the upgrade worth paying for, but only if you’ve outgrown free. Run the three-question test above. If you pass, sign up or upgrade through my link below; if not, the free Standard plan is genuinely the smarter choice.

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