Revolut Metal Review 2026: Is the €15.99/month Stainless Steel Card Worth It?

Revolut Metal Review is in 2026 one of the most powerful banking setups for modern entrepreneurs. In this Revolut Metal Review guide you get all steps, prices, pros and cons at a glance – without marketing fluff.

I’ve used Revolut Metal as my daily driver for over two years. Here is the honest answer: where Metal delivers, where it is overpriced, and the hacks that triple its value.

Published May 17, 2026 · By Christian Bech · 9 min read

Revolut Metal Review – What does Revolut Metal cost now?

For anyone looking into Revolut Metal Review, this is the first step. We walk through every detail step by step.

As of May 2026, Revolut Metal in Germany/EU costs new subscribers €15.99/month or €155/year (roughly €12.92/month with the annual deal – about 19 % discount). Existing customers pay the old prices until 9 July 2026 – if you already have Metal, switch to annual before that date to lock in old rates.

Myth alert: Many blogs still say „Metal has airport lounge access“. Not true in 2026 – lounge access moved to Ultra (€65/mo) at the Ultra launch.

All Metal features at a glance

• Stainless steel card with contactless (one card free)
• €800 fee-free ATM withdrawals per month (Standard: €200)
• Unlimited currency exchange at interbank rate weekdays – 1 % surcharge on weekends
• Travel medical insurance for trips up to 90 days
• Lost-luggage & flight-delay insurance
• Phone insurance when paying with Metal card (screen, theft)
• RevPoints loyalty program
• Premium concierge service
• Up to 6 % p.a. interest on savings vaults (variable)
• 5 % cashback on Revolut Stays hotel bookings
• Crypto and stock trading at reduced fees

The insurances – marketing or actually useful?

The travel medical insurance is actually Metal’s strongest argument. Covers trips up to 90 consecutive days incl. medical evacuation. If you travel 4–6 weeks abroad per year, this replaces a separate travel health policy (typical cost €60–120/year).

The phone insurance is conditional – only kicks in if you bought the phone with the Metal card and only covers screen damage and theft (not loss). Typical deductible €75.

Cashback & RevPoints: the real lever

This is where Metal gets interesting. RevPoints (1 point per €1 spent in DE) convert into flights (~1 cent/point) or cashback. €3,000/month on Metal → ~36,000 points/year → ~€360 real travel value.

Combined with €100 saved on separate travel insurance and €800/month of free ATM withdrawals, Metal delivers ~€460–560 in annual real value against €155 in costs – clearly net positive when actively used.

Metal vs. Premium vs. Ultra

Who is Metal worth it for – and who not?

Metal pays off if:

• You travel abroad at least 4 weeks/year (insurance alone covers the cost)
• You regularly withdraw > €400/month in cash
• You actively use RevPoints for flight bookings
• You make > €1,000/month in multi-currency transactions

Metal doesn’t pay off if:

• You just want a second EU account – Standard is enough
• You use airport lounges often – go straight to Ultra (break-even at ~4 lounge visits/year)
• You rarely pay in cash domestically – ATM advantage evaporates

Metal + US LLC: the secret weapon setup

My personal setup: Revolut Metal personal + Revolut Business for the US LLC. Move money between personal and business in seconds via RevTag – even at 3 AM on a Sunday. Metal insurances cover your personal travel even when business-motivated. Full LLC setup: Revolut Business for US LLC.

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