Person using smartphone at quaint European street cafe

As a long-term traveler, I constantly seek the best financial solutions to support my lifestyle. Recently, I delved into the details of Revolut’s Premium plans, evaluating whether they offer substantial benefits for individuals who spend most of the year on the road. In this article, I’ll share the results of my extensive research, examining if a Revolut Premium plan is a worthwhile investment for travelers like me. Stay tuned until the end to find out if it’s worth upgrading to a Premium plan with Revolut.


Traveling the world is an incredible experience, but it comes with its unique set of challenges, especially when it comes to managing finances. From health insurance to transaction fees, finding the right financial products can make a significant difference. In my quest to find the best solution, I explored Revolut’s Premium plans to see if they cater well to long-term travelers.

What Does Revolut Offer?

Revolut provides several tiers of paid plans: Plus, Premium, Metal, and Ultra, each offering various benefits over their free Standard plan. Let’s dive into what these plans offer, focusing on the Premium, Metal, and Ultra plans.

Revolut Premium Plan


  • Two free Premium cards (and one free replacement each subsequent year).
  • No fair usage limit on currency exchange.
  • Double the free ATM withdrawal allowance of Standard customers.
  • 20% discount on international payments.
  • Travel insurance.
  • Plan Partnerships.
  • Discounted lounge passes and free lounge access for flight delays.
  • Better rates on cryptocurrency and precious metals than Standard and Plus customers.


  • Travel Insurance: Limitations such as a home country requirement within the EEA, trip duration not exceeding 40 days, and exclusions for pre-existing medical conditions unless specified.
  • No explicit mention of gear insurance.
  • Insurance coverage is part of a group policy with specific exclusions.

Revolut Metal Plan


  • All Premium benefits, plus:
  • One free contactless stainless steel Metal card.
  • Cashback in multiple currencies, precious metals, or cryptocurrencies.
  • Four times the free ATM withdrawal allowance of Standard customers.
  • 40% discount on international payments.
  • Higher interest rates for Savings Vaults than Plus and Premium customers.
  • Access to up to five Revolut <18 accounts.


  • Cashback rates vary by country and merchant.
  • Similar insurance and cashback eligibility criteria as the Premium plan.

Revolut Ultra Plan


  • All Metal benefits, plus:
  • One free contactless Ultra card.
  • Reduced fees for stock trading.
  • Additional trip and cancellation insurance.
  • Complimentary lounge passes for personal use.
  • Ten times the free ATM withdrawal allowance of Standard customers.
  • Free international payments.
  • More extensive Plan Partnerships than Premium and Metal.
  • Priority callback service.


  • Cashback and insurance eligibility criteria and limitations.
  • Priority callback service available only in English.
  • Specific benefits like complimentary lounge passes are for personal use, and guest passes might incur costs.

Key Considerations for Long-Term Travelers

Health Insurance

Revolut’s travel insurance included in the Premium, Metal, and Ultra plans has significant limitations:

  • Home Country Requirement: You must be registered under the healthcare system within your home country in the EEA.
  • Trip Duration: Coverage is limited to trips not exceeding 40 days.
  • Pre-existing Conditions: Limited coverage unless listed under “Acceptable Medical Conditions”.

Additional Perks

If you’re not interested in perks like better currency exchange rates, lounge access, or higher ATM withdrawal limits, these benefits may not justify the additional cost of the Premium plan.

Savings Account

For travelers who rely on savings accounts, the financial benefits of the Premium plan do not significantly outweigh those of the free plan, based on typical usage and earnings calculations.

Gear Insurance

There is no specific mention of gear insurance in the Premium plan details, making it unclear if this coverage is available or beneficial.

References used for this article


After thorough research and analysis, it appears that the Revolut Premium plan may not offer substantial benefits for long-term travelers, especially considering the limitations on travel insurance and other perks. The cost of the Premium plan might not be justified if you do not frequently use the additional perks provided. For long-term travelers, sticking with the free plan and considering other specialized insurance products might be a more sensible choice.

By evaluating your specific needs and travel habits, you can make an informed decision about whether upgrading to a Revolut Premium plan is worth it. For me, the free plan offers sufficient benefits without the extra cost.

I hope this detailed exploration helps fellow travelers make the best choice for their financial and travel needs. Safe travels!