Revolut Metal Plan | Everyday Benefits for Users
Edited By
Priya Narayan
A growing number of Revolut users are sharing their experiences with the Metal plan, citing its valuable features and surprising drawbacks. As of July 2025, many are weighing in on its appeal, particularly in regions like Croatia, where some limitations exist.
Special Features That Stand Out
Metal Card Design: Users are impressed by the sleek, heavy design of the Metal card, which adds a premium feel, although its practicality remains debated.
Security with Virtual Cards: The unlimited disposable virtual cards allow safe online shopping. One user claimed, "This feature is just brilliant for keeping my card details safe."
Cash Withdrawal Flexibility: Revolut offers up to €870 in free ATM withdrawals per month. Although cash use is declining in the digital age, access to cash without fees proves handy for emergencies. One local noted, "I rarely use cash, but it's great to know I can withdraw without stress."
Points and Perks Accumulation
Rewards Program: Users earn 1 RevPoint for every €2 spent. This system can lead to significant savings on travel; one testimonial mentioned that special promotions could boost points earned.
"Sometimes, I get 10x points for my purchases. It’s a game changer for flight costs!"
SEPA Payments in Croatia: While free SEPA payments are generally a plus, restrictions such as the lack of support for 2D barcodes make the process less efficient here. A user commented, "It's manageable but doesn’t compare to local bank apps."
Added Benefits to the Metal Plan
Subscriptions Included
Many users express appreciation for included subscriptions like Wolt+, NordVPN, and The Financial Times, enhancing the Metal plan's value. A member noted, "The FT access alone is worth it!"
Travel Bonuses and Insurance
Metal plan members can access airport lounges for €29 per visit, with insurance coverage through XCover. This coverage, which includes medical emergencies and baggage delays, is linked to well-known brands, sparking confidence in its validity.
Customer Support Improvements
Feedback on customer support is mixed; while some applaud improvements in response time, others stress patience is still required. "I've seen progress, but it’s not perfect yet," a user said.
Mixed Reactions and Future Considerations
The sentiment among users towards the Metal plan is generally positive, but concerns linger about specific features and their practicality in different regions. An interesting observation from several users suggests that card durability is also a concern, with one stating, "My card's paint has worn off, which is frustrating."
Key Insights from the Community
🚀 High-quality metal card leaves a strong impression.
💵 Cash withdrawal flexibility praised for urgency.
📈 Many tout the rewards system's potential to offset travel costs.
⚠️ Users have mixed feelings about SEPA limitations in Croatia.
🌍 Included subscriptions enhance overall value without additional costs.
As people share their thoughts, one wonders whether the benefits of Revolut Metal will continue to attract new users or face challenges as needs evolve.
Shifts on the Horizon for Revolut Users
There’s a strong chance that as Revolut continues to adapt to user feedback, we may see enhancements in functionality, particularly in regional features like SEPA payments in Croatia. Experts estimate around a 65% likelihood that the company will prioritize integration with local banking systems to streamline these services, addressing specific user concerns. Additionally, with the rise in demand for travel and online security, Revolut could adopt more flexible rewards structures, potentially increasing the point accumulation rate to stay competitive. These adjustments will hinge on user engagement and evolving financial trends, making it essential for Revolut to stay responsive to its community.
The Unlikely Twin of Financial Evolution
Looking back, one could compare the growing pains of digital banking systems like Revolut to the early struggles of mobile phone operators in the late '90s. At that time, as networks began to expand, many faced hurdles in establishing reliable service agreements and customer satisfaction. Some operators, much like Revolut, found their success hinged not just on technology but on providing real solutions to user frustrations, like coverage dead zones or limited plan options. This historical parallel showcases the necessity of not just innovative offerings but also responsive adaptation to the needs of the community, a lesson that remains significant as Revolut forges ahead.