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The Best Revolut Cards for Your Payments and Trips in 2025

Discover the best Revolut cards for your payments and trips in 2025. Optimize your expenses abroad and travel with peace of mind. Read the article!

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📆 Last update:

07/2025

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Key Takeaways

Revolut cards offer Modern Banking Solution, ideal for travelers, expatriates, young adults and digital profiles looking for a Alternative to Traditional Banks.

One of the major advantages of Revolut cards is the lack of income or savings requirements for opening, making them accessible to a wide audience.

Revolut, a British neobank with over 50 million customers worldwide (including 2.5 million in France), offers a range of cards adapted to all needs.

Opening a Revolut bank account is accessible to everyone, with no restrictive conditions.

What is a Revolut card?

Revolut is a neobank founded in 2015 by Nikolay Storonsky and Vlad Yatsenko, offering 100% digital bank accounts via a mobile application intuitive and offering innovative bank cards.

dépensez sans frais à l'étranger avec Revolut

His bank cards, all at Immediate Flow and with systematic authorization (No Overdraft Allowed), are designed for Free payments in foreign currency, free withdrawals (up to certain limits), and services such as cashback, travel insurance, and ephemeral virtual cards.

With a European banking license, Revolut secures deposits up to €100,000 and offers a French IBAN for simplified management.

Revolut card types available

Each Revolut card has specific characteristics that meet different needs and user profiles.

carte ultra de revolut, carte standard de revolut et meta ou premium

Revolut offers five cards, each with specific subscriptions and benefits:

  1. Standard : Free, ideal for beginners and basic needs.
  2. Plus : Affordable, with purchase protections.
  3. Premium : For frequent travelers, with insurance and higher limits.
  4. Metal : Premium with cashback and steel design.
  5. Ultra : High-end, for intensive users and demanding travelers.

Depending on the card chosen, there is also the possibility of customizing certain parameters, such as payment limits or security options, directly from the application.

Revolut card comparison

Here is a clear comparative chart of Revolut cards, based on data. This comparison allows you to visualize the different rates and amounts associated with each card:

📇 Card ⭐ Rating (/5) ✨ Stars 💶 Price (/month) 🏧 Free withdrawals 💱 Foreign-currency payments 🛠️ Key features 👍 Pros 👎 Cons
🔱 Ultra 4.8 ★★★★★ €45 €2 000 / month Unlimited, fee-free Platinum card, full travel insurance, access to 1 400 lounges, 1 % cashback, ultra-priority support Exclusive perks, unlimited international transfers High price, 12-month commitment
🥈 Metal 4.6 ★★★★★ €16.99 €800 / month Unlimited, fee-free Steel card, 0.1–1 % cashback, travel insurance, lounge access Cashback, premium design 12-month commitment, limited cashback
💎 Premium 4.4 ★★★★☆ €9.99 €400 / month Unlimited, fee-free Travel insurance, priority support, customizable card Good value for money No cashback, 12-month commitment
➕ Plus 4.0 ★★★★☆ €3.99 €200 / month Unlimited, fee-free Purchase protection (€1 000/year), priority support, 2 Junior accounts Affordable, protections included No travel insurance
✔️ Standard 3.8 ★★★★☆ Free €200 / month or 5 withdrawals Multi-currency, fee-free Free virtual card, multi-currency payments, Junior account Free, simple No insurance, fees beyond €1 000 / month

Note: The amounts of the withdrawal and payment limits vary according to the formula chosen. Consult the detailed terms and conditions for each card to find out the exact amounts that apply.

Differences between cards

  • Standard : Free, perfect for testing Revolut or for basic use. Free exchange limit (€1,000/month) and limited free withdrawals (€200/month). No travel insurance. There are no income requirements to get this card.
  • Plus : Adds purchase protection (€1,000/year) and priority support, but same limits as Standard.
  • Premium : Double the free withdrawal limit (400€/month), unlimited exchange, travel insurance (medical, cancellation). Travel insurance coverage varies depending on the package you choose.
  • Metal : Steel card, cashback (0.1% in Europe, 1% outside Europe), free withdrawals up to €800/month, access to airport lounges. Travel insurance coverage varies depending on the package you choose.
  • Ultra : Platinum-plated card, free withdrawals up to €2,000/month, unlimited access to 1,400 airport lounges, comprehensive insurance, partner subscriptions (e.g.: NordVPN). Travel insurance coverage varies depending on the package chosen.

All Revolut cards are accessible with no income requirements or income verification, making them available to everyone.

Revolut card costs and subscriptions

📇 Card 💵 Price (/month) 📦 Card delivery fee 🏧 Free withdrawals 💱 FX fee beyond $1 100/month ⏱️ Weekend surcharge 🛠️ Key features 💡 Annual tip
✔️ Standard $0 ≈ $6 $220/month or 5 withdrawals 1 % +1 % Virtual card, multi-currency payments
➕ Plus $4.40 Free $220/month 0.5 % +1 % Purchase protection $1 100/year, Junior account Annual payment (~ $43/year)
💎 Premium $11 Free $440/month Unlimited +0.5 % Travel insurance, priority support Annual payment (~ $105/year)
🥈 Metal $16.50 Free $880/month Unlimited +0.5 % 0.6–1 % cashback, steel card Annual payment (~ $182/year)
🔱 Ultra $49.50 Free $2 200/month Unlimited Free Lounge access, 1 % cashback, full insurance Annual payment (~ $595/year)

There is nothing to pay other than the fees clearly shown in this table, and there are no income requirements to get the Revolut card.

Note: Access to the Standard card does not require any savings or payment conditions.

Proposed functionalities

  • Multi-currency payments : Toll-free in 150+ currencies, interbank rate (Standard/Plus: limit €1,000/month).
  • Free withdrawals : From €200 (Standard/Plus) to €2,000/month (Ultra).
  • Virtual cards : Free, ephemeral to secure online purchases.
  • Possibility To change the payment limits, to block or unfreeze the card directly from the application.
  • Insurances :
    • Plus: Purchase protection (€1,000/year).
    • Premium/ Metal: Travel insurance (medical, cancellation, delays).
    • Ultra: Full insurance, including winter sports.
  • Cashback : Metal (0.1-1%), Ultra (1%).
  • Access to airport lounges : Premium (reduced), Metal (reduced, free with SmartDelay), Ultra (unlimited).
  • Investments : Shares, ETFs, cryptos (Metal/Ultra: reduced fees).
  • Others : Junior accounts, budgeting tools, eSIM travel (Ultra).
Taux de change compétitifs offerts par Revolut

👍 Benefits

  • In France : Free payments, real-time management via the application, French IBAN.
  • Overseas : Free withdrawals (up to the limits), free exchange, travel insurance (Premium+).
  • On line : Ephemeral virtual cards to secure purchases.
  • Travelers : Access to airport lounges, competitive exchange rates.
  • Expatriates/Digital Nomads : multi-currency management, free international transfers (Ultra).

Most of these features are included in both paid and free plans, with no hidden costs.

Case study : A digital nomad uses Revolut Metal to manage expenses in 10 currencies, saving €200/year on exchange fees.

👎 Disadvantages

  • Commitment : 12 months for Plus, Premium, Metal, Ultra, with early cancellation fees.
  • Free Limits : Standard/Plus limited to €1,000/month for exchange and €200 for withdrawals.
  • Support : No phone except for Ultra; 24/7 chat sometimes slow for Standard.
  • Systematic authorization : Not accepted everywhere (e.g. some tolls or car rentals).
  • No Overdraft : Requires a funded balance.

How do I get a Revolut card?

éditions limitées des cartes Revolut
  1. Download the app : Available on iOS/Android.
  2. Sign up and open your Revolut bank account : Provide a Phone number, ID, and a selfie for verification.
  3. Choose the type of Revolut bank card you want : Standard, Plus, Premium, Metal, or Ultra
  4. Make a first deposit : Minimum €10 By bank transfer or card.
  5. Order the card : Physical (shipping costs ~€5.50 for Standard) or virtual (free).

Take advantage of sponsorship offers (up to €80) or promotions like €10 offered upon registration with our registration link.

Comparing Revolut vs its Alternatives

Here is an overview of the alternatives to Revolut on the market:

🏦 Provider 💵 Subscription 🔄 International transfer 💱 Exchange rate 🏧 Free ATM withdrawals 🌍 Countries supported 🔒 Deposit protection
Revolut $0–$50 / month 0.3–2 % fee, +1 % weekend Interbank Mon–Fri $220–$2 200 / month (plan-based) 48+ countries UK banking license, EU e-money
Wise $0 0.35–1 % flat fee Interbank 24/7 $220 / month (2 withdrawals), then 1.75 % 150+ countries UK/EU e-money, no FSCS cover
N26 $0–$18.50 / month Free SEPA, 1.7 % outside zone Standard interbank $55 / month (Standard), unlimited (You/Metal) 24 countries (Eurozone) DE banking license, €100 k deposit guarantee
Monzo $0–$16.50 / month 0 % UK, 3 % abroad Interbank Mon–Fri $220 / month UK, US (partnership) UK banking license, FSCS $110 k

Use cases and adapted profiles

  • Standard : Students, beginners testing at neobank, occasional users abroad.
  • Plus : Users looking for low-cost purchase protection.
  • Premium : Frequent travelers needing insurance and higher withdrawals.
  • Metal : Digital nomads, regular users outside the eurozone for cashback.
  • Ultra : Intensive travelers, mobile professionals looking for exclusive advantages.

Conclusion

Revolut Ultra (4.8/5) is the best option for intensive travelers and premium users, while Metal (4.6/5) offers a great balance for digital nomads. Premium (4.4/5) is suitable for regular travelers, Plus (4.0/5) for users looking for affordable protections, and Standard (3.8/5) for beginners.

étranger ou en france : sécurité, contrôle et support avec Revolut

With free payments, competitive exchange rates, and an intuitive mobile application, Revolut is a reference among neobanks.

Try the free version or take advantage of promotions to find your match. Manage your finances easily, in France or abroad!

International payments

Revolut cards are turning travel into Eliminating Unpleasant Banking Surprises. No more having to deal with dubious exchange rates from your traditional bank or paying hidden fees on every purchase.

📌 Section 📋 Details 💡 Tip
💱 Exchange fees Interbank rate Mon–Fri, no commission
Weekend markup: +1 % (Standard & Plus), +0.5 % (Premium & Metal), 0 % (Ultra)
Always check the live rate in the app
🔒 Exchange limits Standard: $1 100/month free, then 1 %
Plus: $3 300/month free, then 0.5 %
Premium/Metal/Ultra: unlimited on weekdays
Upgrade your plan if you often hit the caps
🌍 Countries & currencies Operates in 150+ countries and supports 36 major currencies (USD, EUR, GBP…) Open a local account if you reside outside the EU for extra services
⚙️ How it works Auto-convert at the interbank rate
Always decline DCC (choose to pay in the local currency)
Never accept the merchant’s conversion (DCC)
🏧 Overseas ATM withdrawals Standard & Plus: $220/month (or 5 withdrawals), then 2 % + $1.10
Premium: $440/month, then 2 %
Metal: $880/month, then 2 %
Ultra: $2 200/month, then 2 %
Watch out for local ATM fees that are separate from Revolut
💡 Money-saving tips Annual billing: –20 % (Premium), –40 % (Metal)
Exchange on weekdays to avoid weekend fees
Monitor your exchange & withdrawal limits
Switch to annual billing and schedule your conversions

Revolut Works in More Than 150 countries and supports 36 currencies Main ones. You can hold multiple currencies in your account and switch between them instantly as needed.

No special procedure is required. Pay normally with your Revolut card abroad, the conversion is done automatically. Key features of international payments with Revolut include ease of use, fast conversion, and access to competitive rates.

Choose Always Pay in the Local Currency When the terminal offers it to you - never accept the conversion of the merchant who applies unfavorable rates.

confirmation de paiement sur Revolut Pay

Card Activation and Renewal

Receiving and activating your Revolut bank card takes a few simple steps. The process is slightly different from your traditional banking habits.

Receiving the Bank Card

After opening your Revolut account, order your bank card directly in the application. Delivery takes 2 to 9 working days in mainland France. Shipping is free for all packages.

For paid packages:

  • Plus/Premium : Express delivery available
  • Metal : Free delivery anywhere in the world within 4 days
  • Ultra : Priority express delivery

Activation process

Unlike traditional banks, you cannot activate your Revolut bank card by Telephone or internet. Activation requires a physical transaction:

  1. Go to a merchant (supermarket, gas station, etc.)
  2. Make a payment with your bank card using the PIN code
  3. The transaction automatically activates your bank card

Online payments do not allow activation. It is imperative to have a chip and PIN transaction in store.

Immediate virtual card

While waiting for your physical bank card, you immediately have a virtual card in the application. It works for:

  • Online payments
  • Apple Pay and Google Pay
  • All contactless purchases via smartphone
cartes de revolut

Automatic Renewal

Revolut alerts you 28 days before your bank card expires. Renewal is done automatically:

  • New Card Sent to Your Home for Free
  • Same numbers and codes to avoid changing your subscriptions
  • Activation required using the same procedure

Replacement in case of loss

If your bank card is lost or stolen:

  1. You can block it immediately in the application (“Freeze the card” button)
  2. Order a replacement card
  3. Premium and Higher Packages Offer Worldwide Express Delivery

Replacement fees vary depending on circumstances and your subscription.

Cancellation of the card

Closing your Revolut bank account remains simple and free. The bank account closure procedure is done entirely online, without mail or complex procedures.

Prerequisites

Before closing, you must:

  • Completely empty your bank account (zero balance)
  • Transfer money from all your “vaults” to the main account
  • Complete all pending transactions
  • Pay All Potential Teeth

Closure procedure

Through the app:

  1. Open the Revolut app
  2. Go to your profile (initials at the bottom right)
  3. Go to “Settings” then “Account”
  4. Select “Close Bank Account”
  5. Confirm your choice

By email: You can also send your request to [email protected] with your bank account details.

Special cases

If you have a paid subscription, you must first downgrade to the Standard subscription (free) before you can close the bank account. This step is done in the “Billing” section of your profile.

Deadlines and confirmations

The closure of the bank account takes effect immediately after validation. Revolut may ask you to confirm by email. Keep this confirmation as proof of closure.

What happens to your cards? After closing the bank account:

  • Physically destroy all of your Revolut cards
  • Virtual cards automatically become unusable
  • No transactions can be completed anymore

Joint and Professional Accounts

If you also have a Revolut Business Bank Account or a Joint Bank Account, Closing Your Personal Bank Account Does Not Affect These Other Accounts. Revolut processes each type of bank account independently.

Reasons for Refusal

Revolut may refuse to close the bank account if:

  • There is money left on the account or in the vaults
  • Transactions are being processed
  • You have an active subscription
  • Insurance or Derivative Products Are Still Active

In this case, fix these points first before restarting the procedure.

Final verdict on these bank cards

vue sur une carte revolut

Revolut is the modern banking alternative par excellence for travelers, expatriates and young professionals. This British Neobank combines ease of use, transparent fees and technological innovations in an intuitive application.

A major advantage of Revolut lies in its reduced fees, the accessibility of its services and the possibility of choosing from several premium offers adapted to each profile. Revolut is an excellent choice as a primary bank for digital and mobile profiles. The free standard offer is perfect for everyday needs, while the Premium and Metal packages provide comprehensive travel insurance and high-end services.

For frequent travelers, savings in currency exchange fees quickly amortize the cost of paid subscriptions. Entrepreneurs and freelancers will appreciate the simplicity of international transfers and multi-currency management.

In shorts: Revolut modernizes the banking experience by keeping what works and removing what's expensive for you. An ideal solution for those who want to regain control of their finances while benefiting from the latest fintech innovations. The rates offered by Revolut are clear and transparent, allowing everyone to easily compare the different formulas according to their needs and advantages.

FAQS

Is the Revolut card really free?

The Revolut Standard subscription is completely free: no account maintenance fees, no card fees, no hidden fees. You only pay if you exceed the limits of free withdrawals (200€/month) or free exchange (1000€/month).

Outside of these limits, there is nothing to pay.

Can I use Revolut as my primary bank?

Revolut can replace your bank for current transactions: payments, withdrawals, transfers, savings. Revolut offers a complete bank account for daily management, offering a practical alternative to centralize your finances. However, you cannot take out a mortgage or a personal loan. For these needs, a traditional bank is still necessary.

How does overdraft work with Revolut?

Revolut does not offer authorized overdraft. All cards work with systematic authorization: each payment verifies the available balance. If you don't have enough money, the transaction is declined. This saves you overdraft fees but requires more careful management.

Does the Revolut card work everywhere in the world?

Revolut works in over 150 countries. The card is accepted everywhere Visa and Mastercard are accepted. Some restrictions exist in some countries subject to international sanctions. Check the Revolut website before traveling to sensitive areas.

What should I do if my Revolut card is blocked abroad?

Several options exist:

  • You can instantly block or unblock your card via the app if you have frozen it by mistake
  • Contact support via App chat
  • Use your virtual card with Apple Pay/Google Pay in the meantime
  • Request an express replacement card (Premium+ plans)

Does Revolut offer travel insurance?

Yes, depending on your subscription:

  • Standard/Plus : Basic insurance (purchases only)
  • Premium : Full travel insurance (health, luggage, cancellation)
  • Metal : Extensive insurance with high ceilings
  • Ultra : Premium insurance with airport lounge access

Travel insurance coverage varies according to the formula chosen, with each offer offering specific guarantees adapted to the subject insured.

How do I contact Revolut customer service?

The contact is mainly made via the chat integrated into the application, available 24 hours a day. For emergencies (lost/stolen card), a telephone number exists. Paid packages benefit from priority support with reduced response times.

Can I have multiple Revolut cards?

Yes, Revolut allows you to have several physical cards depending on your subscription. You can also create up to 5 virtual cards to separate your expenses or secure your online purchases. Each card can have its own limits and settings.

Is Revolut secure like a traditional bank?

Revolut Bank UAB has a European banking license and respects the same rules as traditional banks. Your deposits are guaranteed up to €100,000 by the Lithuanian Deposit Guarantee System. The application uses bank encryption and two-factor authentication.

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