Revolut Free tier

What Revolut actually does

Revolut packs a euro current account, a debit card, and currency exchange into one app, then sells a ladder of paid tiers on top for people who spend, travel or invest more.

The core product

Revolut's banking entity, Revolut Bank UAB, is licensed by the European Central Bank and supervised by the Bank of Lithuania, giving it full EU banking passporting rights across the bloc rather than operating as a payments-only firm. Eligible deposits are covered by the Lithuanian Deposit Insurance scheme up to the standard EU-wide protection level. The free Standard plan includes a working euro current account, a debit card, and a capped allowance of fee-free ATM withdrawals each month — on Revolut's Irish pricing page, that's shown as roughly €200 in fee-free withdrawals or 5 free withdrawals a month, enough for most everyday spending and holding a balance without a subscription. Above Standard sit four paid tiers — Plus, Premium, Metal and Ultra — each raising the monthly free-ATM allowance and adding features like discounted or free international transfers, travel insurance, higher interest on balances, global mobile data, and airport lounge access, priced from roughly €3.99/month up to a premium Ultra tier.

What's new or notable

Revolut's tier structure has become noticeably more granular: Plus (roughly €3.99/month) adds better spending-abroad limits and a discount on international transfer fees; Premium (roughly €8.99/month) adds unlimited currency exchange and better interest rates; Metal (roughly €15.99/month) adds free international transfers and travel insurance; and Ultra, currently offered at an introductory rate around €55/month, adds unlimited airport lounge access and enhanced investment features including access to Revolut's Trading Pro tools. Every paid tier also earns RevPoints rewards at a rate that scales with the plan, from roughly 1 point per €10 spent on Standard up to 1 point per €1 spent on Ultra — a loyalty layer on top of the banking features themselves. Exact prices and ATM allowances can vary by country, so what's shown here reflects Revolut's Irish pricing page rather than a single EU-wide number.

Who should use Revolut

Great fit if…

• You want one app for multiple currencies and cards — spending, holding and exchanging different currencies all happen in the same place.
• You travel often enough to justify a paid tier — Metal and Ultra bundle travel insurance, free international transfers and lounge access that can offset their monthly cost for frequent travellers.
• You want a free EU account with no monthly fee — Standard gives a genuinely usable euro account and card at no cost.

Skip it if…

• You withdraw a lot of cash — free ATM withdrawals are capped by amount and transaction count even on paid tiers, so heavy cash users will hit fees regardless of plan.
• You want travel insurance or lounge access without paying — these headline perks are locked behind the Premium, Metal and Ultra plans, not included on Standard.
• You're wary of introductory pricing — Ultra's current price is described as an introductory offer, so it's worth checking whether that rate is still in effect before subscribing.

Pricing in detail

Revolut runs five tiers; each one raises the free-ATM allowance and adds features on top of the plan below it. Prices below are from Revolut's Irish (EUR) pricing page and can vary by country.

Where it falls short

• Free-tier ATM withdrawals are capped — both by a monthly amount and a transaction count, after which withdrawal fees apply, even for spending abroad.
• Marketing-headline perks sit behind paid plans — travel insurance, lounge access and elevated interest rates are reserved for Premium, Metal and Ultra rather than included for free.
• Ultra's price may rise — its current rate is explicitly labelled an introductory offer, so long-term cost could increase once that offer ends.

Privacy & data

As an ECB-licensed bank, Revolut is bound by GDPR and the data-protection obligations that come with EU banking supervision, and the app supports standard biometric login alongside in-app spending analytics and budgeting tools that necessarily process detailed transaction data to work. Revolut's public pricing pages don't detail specifics like its exact encryption implementation or how spending data feeds its own fraud-detection and analytics features beyond what's needed for the app to function, so beyond standard EU banking data-protection law we can't independently confirm more than that — its own privacy policy is the place to check for specifics.

How we checked this

This review is based on Revolut's country-specific pricing page (revolut.com/our-pricing-plans, Irish/EUR version), checked around 2026-09-04, for plan names, prices and included features; Revolut's main revolut.com and revolut.com/plans URLs did not return a usable pricing page directly, so the country-specific version was used instead. We did not open an account, so exact prices and ATM allowances should be confirmed for your own country before subscribing, since Revolut varies them by market.

What you get, what you give up