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Forensic audit · 2026-04-24

Revolut Metal fees: what you can actually pay

Compare the $149.99 annual price with $203.88 across 12 monthly payments, then inspect cancellation, ATM, transfer, and conditional-benefit leakage.

By TripTruth Editorial Audit first editorial team Updated 2026-04-24 9 min read
Annual fee: $150 Best fit: Readers comparing monthly and annual cost or checking where advertised value can leak.

Revolut Metal's listed US price is $149.99 a year or $16.99 a month. Twelve monthly payments total $203.88, so the monthly path costs $53.89 more over a full year.

The rest of the cost is conditional: timing can affect cancellation charges and refunds, ATM operators can add their own fees, and partner or protection value can disappear when eligibility, routing, or proxy assumptions fail.

Who this is for

Readers who want to compare billing paths and inspect cancellation, ATM, transfer, partner, and protection leakage.

Skip if

You only need the broad product map or a fast personal worth it decision.

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Base price: $149.99 or $203.88 yearly

Revolut Metal's listed US price is $149.99 annually or $16.99 monthly. Twelve monthly payments total $203.88, making the monthly route $53.89 more over a full year.

That difference is not a separate Revolut penalty. It is the spread between two billing paths. Monthly billing may change commitment, but it does not automatically mean cost-free flexibility because cancellation and refund treatment depend on timing.

Cancellation and downgrade timing

  • First 10 calendar days: the current schedule lists separate treatment; check the account-specific quote.
  • Monthly plan during the first 10 months: the schedule distinguishes no plan refund and a cancellation fee.
  • Annual plan during that period: the schedule distinguishes the annual refund path from the monthly-plan fee path.
  • After 10 months: the schedule changes again.

Do not compress these into “cancel anytime for free” or one universal fee.

ATM and currency exchange fees Metal does not erase

The current schedule lists a $1,200 rolling-30-day Metal out-of-network ATM allowance before the applicable Revolut fee above that allowance. An ATM operator or network may still charge its own fee.

Currency-exchange terms should stay equally narrow. A Metal exchange allowance and outside-market-hours treatment do not prove that every transfer, intermediary, card transaction, or third-party charge is free.

Separate these cost paths

  • Revolut ATM fees above the allowance;
  • ATM-operator or network charges;
  • currency-exchange fees under the relevant plan rules;
  • route-specific transfer or intermediary charges;
  • unrelated card or merchant charges.

A benefit counts only against a fee you realistically expect to pay—not against the maximum allowance printed in a schedule.

Non fee leaks: unused perks and proxies

Revolut Metal's non-fee leaks are unused apps, changing partner access, discounted lounges, and protection assumptions that fail current eligibility rules. Public summaries describe emergency medical, trip delay, trip cancellation and interruption, baggage, and delayed baggage; separate everyday protections include purchase, return, and ticket protection.

  • Unused apps: a retail price is not savings when you would not buy the service.
  • Partner changes: tier, availability, activation, country, and account eligibility can change what is actually included.
  • Discounted lounges: a discount is not free or unlimited lounge membership.
  • Protection assumptions: coverage limits prove possible scope, not annual cash value.
  • Policy triggers: eligibility, payment routing, exclusions, deductibles, and claims rules can reduce usable cover.

The public US summaries reviewed for this article did not confirm car-rental coverage. That is a reason to verify the current policy—not proof that the full policy excludes it. Do not use a large protection proxy or a categorical missing-coverage claim to force the fee verdict.

Five minute fee leak checklist and verdict

Before subscribing, check:

  1. annual versus monthly billing total;
  2. cancellation timing and the in-app quote;
  3. subscription replacements you already pay for;
  4. ATM-operator and network charges;
  5. transfer or intermediary charges;
  6. partner availability and exact included tier;
  7. policy eligibility, payment path, exclusions, and deductibles.

Verdict: the plan fee is only the first cost. Metal's math is clean only after each billing and leakage path is identified, and every soft benefit is discounted to the value you can actually use. For the full package, read the US parent review. For the personal buy/skip answer, run the $149.99 test.

durable value

What holds up

The value breaks when the subscriptions are filler, the protection shell is hypothetical, or the card identity matters more than replacement value.

conditional value

What must be true

The case clears only when the bundle replaces real bills and the protection stack matches real household behavior. Otherwise the $150 fee is just another subscription.

hidden catch

What breaks value

The case breaks the moment you count premium feel, lounge language, or protections you would never buy on their own.

excluded from math

What we do not count

We do not count monthly overpayment as harmless, we do not treat discounted lounge access like a full membership, and we do not ignore missing coverage lanes because the rest of the shell looks broad.

compare next

Compare next

revolut metal us, revolut metal worth it, capital one venture x us

Common questions

What are Revolut Metal’s monthly and annual fees?

The listed US price is $16.99 monthly or $149.99 annually.

How much does 12 months of monthly billing cost?

Twelve payments of $16.99 total $203.88. That is $53.89 more than the $149.99 annual price, not a separate penalty.

Can Revolut Metal charge a cancellation fee?

The current schedule differs by timing and billing path. Check the in-app downgrade quote for the amount and refund treatment that apply to your account.

Can annual plan users receive a refund when they cancel?

Refund treatment depends on timing under the current schedule. Do not assume annual billing produces either a full refund or one universal cancellation fee.

Does Metal remove every ATM fee?

No. The current schedule includes a Revolut ATM allowance, but fees can apply above it and an ATM operator or network may charge separately.

Does Metal remove every foreign exchange or transfer charge?

No blanket claim is supported. Currency exchange, transfers, intermediaries, card transactions, and third-party charges can follow different rules.

What non fee costs should I include in the math?

Include unused subscriptions, changing partner access, discounted rather than free lounge access, policy eligibility, payment-routing burden, exclusions, deductibles, and any proxy value you cannot personally support.

Evidence used

Revolut Metal US product page

official product page

Metal costs $16.99/month in the US.

Also supports: Metal waives Revolut out of network ATM fees up to $1,200 each rolling month.

Open source

Revolut US Metal help page

official help

Metal annual pricing is $149.99 in the US.

Open source

Revolut partner benefits overview

official help

Partner benefits can vary by plan tier and country of residence.

Open source

Revolut FT partner page

official help

Metal includes Financial Times Standard Digital.

Open source

Financial Times current subscription page (archived official snapshot)

official archived pricing

Financial Times Standard Digital is currently shown at $45/month on the official FT pricing page snapshot.

Open source

NordVPN official pricing page

official partner pricing

NordVPN Plus is currently advertised at $3.89/month on the 24 month plan and renews at $179.88/year.

Open source

Picsart official pricing page

official partner pricing

Picsart Pro is currently shown at $10.5/month billed yearly.

Open source

ClassPass official pricing page

official partner pricing

Current published ClassPass plans include 8 credits for $19/month, which is used here as a conservative floor for Revolut's 10 credit inclusion.

Open source

Revolut Standard fees (US)

official fees page

Standard plan pays a 1% fee on exchanges outside foreign exchange market hours and 0.5% fair usage over $1,000/month.

Also supports: Standard plan pays up to 2% at out of network ATMs.

Open source

Revolut cash withdrawal limits and fees help page

official help

Standard customers pay 2% at out of network ATMs, Premium gets up to $800 free, and Metal gets up to $1,200 free.

Open source

Revolut travel insurance coverage summary (US)

official help

Travel insurance applies worldwide for personal and business trips and covers the first 60 days.

Also supports: Public summary lists medical expenses, trip delay, cancellation/interruption, baggage up to $3,000, and delayed baggage up to $200/day for 3 days.

Open source

Revolut emergency medical assistance abroad (US)

official help

Public help text states emergency medical care is covered up to a maximum benefit of $100,000.

Open source

Revolut travel insurance provider (US)

official help

Revolut states it has partnered with Chubb for travel insurance.

Open source

Revolut US prepaid cards page

official product page

In the US, Revolut cards are prepaid debit cards issued by Lead Bank.

Open source

Travel Insured annual multi trip FAQ

official market pricing

Travel Insured's annual plan costs $94 per adult and $64 per child 17 and under.

Open source

Travel Insured annual multi trip comparison chart

official market pricing

Travel Insured's annual base plan comparison chart lists $100,000 of accident and sickness medical expense coverage alongside baggage and delay coverage.

Open source

Freeletics Coach subscription terms

official help

Freeletics says Coach subscriptions are available for 3, 6, or 12 months.

Open source

Freeletics US App Store listing

official app store listing

The current US App Store listing shows Freeletics Training Coach in app purchases from $34.99.

Open source

Revolut US insurance overview

official product page

Revolut says Metal covers you and your immediate family for emergency medical, canceled flights, lost luggage, and more.

Also supports: Revolut also lists purchase protection, extended returns, and ticket protection on the US insurance page.

Open source

Revolut US everyday protection coverage

official help

Revolut US says ticket cancellation protection reimburses the lesser of ticket face value and has a $1,000 annual maximum.

Also supports: Revolut US also describes purchase protection and refund protection as part of the Metal everyday protection stack.

Open source

Revolut US Event Ticket Protection terms

official legal terms

Event Ticket Protection reimburses up to $1,000 per ticket, per event, and annually per account.

Also supports: Covered reasons include sickness, injury, death in the family, traffic accidents, and public transport delays.

Open source

Warranty Expert accidental damage protection pricing sheet

official market pricing

One year accidental damage protection pricing ranges from EUR 35 to EUR 109 for home goods and EUR 35 to EUR 229 for mobile devices across public price bands.

Open source

Designer Revival Seel Return Assurance page

official adjacent market pricing

Seel Return Assurance is sold as a separate checkout add on with visible fee tiers starting at $0.89 and rising with order value.

Open source

Keep reading

Compare next: revolut-metal-us, revolut-metal-worth-it, capital-one-venture-x-us

Utility Layer

Revolut Metal US

Revolut Metal is a $149.99-a-year US paid plan built around a prepaid card, partner benefits, money tools, and conditional protections.
Worth-it Cut

Revolut Metal US

Revolut Metal is worth considering only if costs you already have can clear its $149.99 annual price.
Intent Cut

Travel Club Membership Break-Even Guide

A travel club is worth it only when the value from trips you would genuinely buy exceeds the full cost of joining and staying eligible.
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