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Forensic audit · 2026-03-29

Revolut Metal US review: what the plan includes

A complete map of the $149.99 US plan: product form, partner bundle, money tools, protections, and the conditions that decide whether each benefit counts.

By TripTruth Editorial Audit first editorial team Updated 2026-03-29 9 min read
Annual fee: $150 Best fit: US users who want one paid fintech bundle and can verify which subscriptions, money tools, and protections apply to their account.

Revolut Metal is a $149.99-a-year US paid plan built around a prepaid card, partner benefits, money tools, and conditional protections. This review maps the whole package before deciding whether any one perk deserves a dollar value.

The clean case starts with costs you already have: matching subscriptions and ATM or currency-exchange fees you can measure. Treat partner tiers, lounge discounts, and protection value as conditional until your account and the current policy confirm what applies.

Who this is for

Households already paying for several bundled services and likely to use the family protection stack without stretching the story.

Skip if

Anyone buying it for premium feel, vague lounge language, or protections they would never buy on their own.

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Start here: product form and price

Revolut Metal is a paid US fintech plan built around the Revolut prepaid-card program. The listed price is $16.99 a month or $149.99 a year. Twelve monthly payments total $203.88, so a full year on monthly billing costs $53.89 more than the annual path.

That spread is a billing choice, not a separate penalty. The broader product question is what the fee buys: partner benefits, currency-exchange and ATM tools, discounted lounge access, and conditional travel and everyday protections. The fees analysis handles cancellation timing and cost leakage in detail.

What the US plan includes

The US plan includes partner benefits, money tools, discounted lounge access, and conditional travel and everyday protections. Use this as a map, not a brochure-value total:

  • Partner benefits: count only matching services you already pay for, after confirming the exact tier and activation rules in your account.
  • Currency exchange: Metal has its own exchange allowance and outside-market-hours treatment; this does not prove every transfer or foreign transaction is free.
  • ATM access: the current schedule lists a Revolut out-of-network ATM allowance, while an ATM operator or network may still charge separately.
  • Lounge access: the dated product-page evidence describes discounted access, not free or unlimited membership.
  • Travel protection: public summaries describe a travel-protection shell, but the full current policy controls eligibility, exclusions, deductibles, and claims.
  • Everyday protection: purchase, return, and ticket cover have their own payment and eligibility conditions.

The page deliberately does not add policy limits or retail prices into one automatic annual-value number.

Money tools and protection boundaries

What is measurable

Currency exchange and ATM use can be measured against fees you actually paid or reasonably expect to avoid. Do not count the maximum allowance as savings, and do not count ATM-operator, intermediary, transfer, or unrelated transaction charges as fees Metal guarantees to remove.

What needs a policy check

Travel protection and everyday protection are separate decisions. Public summaries describe emergency medical, trip delay, trip cancellation and interruption, baggage, and delayed baggage; separate everyday protections include purchase, return, and ticket protection. A coverage limit proves possible scope—not annual cash value. Before relying on protection, verify who is covered, the trip or purchase conditions, the required payment path, exclusions, deductibles, and claims process.

Car-rental coverage was not confirmed in the reviewed public US summaries. That does not prove the full policy excludes it. Check the current policy before relying on this cover.

Who should consider Metal—and who should skip

Consider Metal when matching subscriptions already sit in your budget, you can measure relevant ATM or currency-exchange savings, and you are willing to verify policy and account eligibility.

Skip it when the case depends on metal-card aesthetics, unused apps, assumed free lounge access, or a large protection total built from policy caps and proxy prices.

Verdict: Revolut Metal can be a useful bundle for a specific US user, but the complete product map is not the same as a personal yes. Run the $149.99 worth-it test for the break-even decision, or inspect fees and value leakage before choosing a billing path.

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.

breakage risk

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 premium feel, vague lounge language, or protection value you would never buy on its own.

compare next

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Common questions

What is Revolut Metal in the US?

It is a paid US fintech plan built around the Revolut prepaid-card program, partner benefits, money tools, and conditional travel and everyday protections.

How much does Revolut Metal cost?

The listed US price is $16.99 monthly or $149.99 annually. Twelve monthly payments total $203.88, which is $53.89 more than the annual price.

Is Revolut Metal a credit card?

The current US legal documents describe the Revolut prepaid-card program. Do not assume Metal works like a premium travel credit card with the same rewards, credits, or protection structure.

What Metal benefits are easiest to value?

Start with matching subscriptions you already pay for and ATM or currency-exchange fees you can measure. Leave benefits you would not otherwise buy at zero.

What travel and everyday protections are described?

Public summaries describe emergency medical, trip delay, trip cancellation and interruption, baggage, and delayed-baggage protection, plus separate purchase, return, and ticket protection. The current policy and terms control eligibility, exclusions, payment triggers, deductibles, and claims.

Does Revolut Metal include car rental coverage?

Car-rental coverage was not confirmed in the reviewed public US summaries. That does not prove the full policy excludes it. Check the current policy before relying on this cover.

How can I check whether Metal is worth it for me?

Use TripTruth’s dedicated Worth It page for the personal $149.99 break-even test, then use the Fees page for billing, cancellation, and third-party-charge risk.

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: mwr-life-elite-turbo, methodology, capital-one-venture-x-us

Hidden-fee Cut

Revolut Metal US

Revolut Metal's listed US price is $149.99 a year or $16.99 a month.
Worth-it Cut

Revolut Metal US

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