Revolut Metal vs Ultra

UK plans, side by side. Every figure is from Revolut's own UK pages and documents, opened on 19 October 2026. Anything Revolut doesn't state says "Not stated".

The price gap

£430 a year

Paying yearly: Ultra £595 vs Metal £165 (calculated). Paying monthly it is £516.12 a year: £720.00 vs £203.88 (calculated).

Savings alone: at the compare-table rates (4% vs 3.4% AER) the extra interest covers the yearly gap at roughly £72,000 saved (calculated, before tax; rates are variable).

Metal suits you if

  • You travel a few times a year, trips of 30 days or less, and want travel cover included
  • £800 a month of free ATM cash is enough
  • You'd rarely use lounges, or don't mind paying a discounted pass
  • You want the subscriptions without paying £430 more a year

Ultra suits you if

  • You fly often and would use unlimited lounges and Fast Track
  • You take trips longer than 30 days, or want cancel for any reason cover
  • You keep a large savings balance (4% vs 3.4%) or send money abroad a lot (free)
  • You'd use the bigger perks: FT Premium, 3 WeWork and 20 ClassPass credits a month, 5GB data

Highlighted rows are where the two plans differ (32 of 52 rows).

Price

Source: Metal fees · Ultra fees · Compare plans

MonthlyDiffers
Metal£16.99 a month
Ultra£60 a month
Annual (paid upfront)Differs
Metal£165 a year
Ultra£595 a year
12 months paid monthly (calculated)Differs
Metal£203.88
Ultra£720.00
Price noteDiffers
MetalNew price since 14 Oct 2026 for new customers; existing Metal customers move to it from 19 Dec 2026
UltraFees page dated 11 Dec 2025, in force for existing customers since 13 Feb 2026
Revolut's own estimate of yearly valueDiffers
Metal£3,750
UltraOver £9,000

Everyday spending & FX

Source: Compare plans · Metal fees · Ultra fees

Currency exchange limit
MetalNo fair usage limit, no fair usage fee
UltraNo fair usage limit, no fair usage fee
Weekend exchange fee
MetalNo fees
UltraNo fees
International transfersDiffers
Metal40% off Revolut's fee
UltraFree (100% off Revolut's fee)
RevPointsDiffers
Metal1 point per £2 spent
Ultra1 point per £1 spent
Card cashback
MetalNot stated (no general card cashback listed)
UltraNot stated (no general card cashback listed)
Revolut Pro (freelancer account) cashbackDiffers
Metal0.8% on Pro card payments
Ultra1% on Pro card payments
Purchase protection
MetalUp to £10,000 a year, items £50+, theft or damage within 12 months
UltraUp to £10,000 a year, items £50+, theft or damage within 12 months
Refund and ticket protection
MetalRefund up to £300 per item (£600 a year); event tickets up to £1,000 a year
UltraRefund up to £300 per item (£600 a year); event tickets up to £1,000 a year
Customer support
Metal24/7 priority chat and in-app call
Ultra24/7 priority chat and in-app call (phone support in English only)

Cash & ATM

Source: Metal fees · Ultra fees

Fee-free ATM withdrawalsDiffers
Metal£800 per rolling month
Ultra£2,000 per rolling month
After the limit
Metal2% per withdrawal, minimum £1
Ultra2% per withdrawal, minimum £1

Savings & investing

Source: Compare plans · Metal page · Ultra page

Instant Access Savings (GBP), variableDiffers
Metal3.4% AER on the compare table (the Metal page says up to 3.51% AER)
Ultra4% AER up to £200,000, 3.51% AER above
Commission-free stock trades
Metal10 a month
Ultra10 a month
Trades beyond the allowanceDiffers
Metal0.25% of the order
Ultra0.12% of the order
Commodities
Metal0.49% (minimum £1)
Ultra0.49% (minimum £1)

Travel & insurance

Source: Compare plans · Metal travel IPID · Ultra travel IPID · Ultra cancellation IPID · Ultra page

Airport loungesDiffers
MetalLounge passes at a discount
UltraUnlimited access to 1,600+ lounges; discounted passes for guests
Fast TrackDiffers
MetalAvailable to buy
UltraUnlimited
Global eSIM dataDiffers
Metal3GB a month included
Ultra5GB a month included
Emergency medical abroad
MetalUp to £10m
UltraUp to £10m
Longest single trip coveredDiffers
Metal30 days
Ultra90 days
Flight delay payout starts afterDiffers
Metal8 hours, then up to £350 (£500 with expenses)
Ultra4 hours, then up to £350 (£500 with expenses)
Baggage delay, no receiptsDiffers
MetalUp to £200
UltraUp to £500
Delayed flight, lost or damaged luggage
Metal£1,000 a year limit
Ultra£1,000 a year limit
Trip cancellationDiffers
MetalUp to £5,000 to cancel or cut a trip short
UltraUp to £5,000 per year for listed reasons, plus cancel for any reason
Cancel for any reasonDiffers
MetalNot included
UltraUp to 70% back, £2,500 per claim, £5,000 a year (book 72h+ ahead, 30% deductible)
Car hire excess
Metal£2,000 a year
Ultra£2,000 a year
Winter sports
Metal£3,000 a year
Ultra£3,000 a year
Personal liability abroad
Metal£1m a year
Ultra£1m a year
Who is covered
MetalYou and immediate family; cover ends at 76
UltraYou and immediate family; cover ends at 76

Lifestyle perks & subscriptions

Source: Metal page · Ultra page

Revolut's value of the bundleDiffers
Metal£2,200 a year
Ultra£4,000 a year
ChatGPT Go (12 months)Differs
MetalYou
UltraYou and a guest
WeWorkDiffers
Metal1 credit a month
Ultra3 credits a month
ClassPassDiffers
Metal10 credits a month
Ultra20 credits a month
Financial TimesDiffers
MetalStandard Digital
UltraPremium Digital
MasterClassDiffers
MetalMasterClass (45 classes)
UltraMasterClass Full (unlimited)
NordVPNDiffers
MetalPlus
UltraComplete (adds 1TB cloud storage)
Ultra onlyDiffers
MetalNone
UltraHeadway Premium, Turo savings, Laundryheap+ with £10 monthly credit
On both
MetalUber One, Headspace, Sleep Cycle Premium, Freeletics, Picsart Gold, The Athletic, Tinder Gold, Chess.com, Super Duolingo, Flo Premium, Lovable Lite, One Day Tests
UltraSame list
Kids & Teens accountsDiffers
MetalNot stated
UltraLink up to 5 (ages 6 to 17)

Card

Source: Metal fees · Ultra fees · Paid Plan Terms

CardDiffers
MetalStainless steel, personalised (custom design available)
UltraPlatinum-plated (custom design not available)
Delivery
MetalFree express delivery
UltraFree express delivery
Extra plan cardsDiffers
Metal£40 per additional Metal card
Ultra£50 per additional Ultra card (a Metal card is £40)
Card charge if you cancel earlyDiffers
Metal£40 plus delivery if you cancel within 14 days
Ultra£50 plus delivery if you cancel within 14 days (the Ultra fees page words this as within 6 months)

Terms

Source: Paid Plan Terms · Metal page · Ultra page

Contract
Metal12-month plan, billed monthly or yearly, renews every year
Ultra12-month plan, billed monthly or yearly, renews every year
Cancel within 14 days
MetalFull refund, less the card charge
UltraFull refund, less the card charge
Cancel later, paying monthlyDiffers
MetalWithin 10 months: break fee of 2 months' subscription. After 10 months: no break fee
UltraWithin 6 months: break fee of 1 extra month. After 6 months: no break fee
Cancel later, paying yearly
MetalNo refund, no break fee
UltraNo refund, no break fee

Checked 19 October 2026 on Revolut's UK site (en-GB) and the policy documents it links to. Where two Revolut pages disagree, both are shown. Revolut's "worth" figures are its own estimates. Rates, perks and subscriptions can change; insurance has exclusions (see each IPID).

Sources: Compare plans · Metal · Ultra · Personal fees (Metal) · Personal fees (Ultra) · Paid Plan Terms · Metal travel insurance IPID · Ultra travel insurance IPID · Everyday Protection IPID · Ultra trip cancellation IPID