Revolut Premium
Unlimited foreign currency transactions without surcharge plus a travel insurance package for under €9/month.
Score: 6.8 / 10 · Fair
Rating: 7.8 / 10 · 2.100 reviews
Best for: Travel without an FX limit
Overview
The Revolut Premium is a debit card from Revolut on the Visa or Mastercard network (depending on availability). Unlimited foreign currency transactions without surcharge plus a travel insurance package for under €9/month. The annual fee is €89. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Travel without an FX limit. Its strengths lie in payments in foreign currency, included travel insurance and mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 6.8 / 10 · Fair
| Costs (30 %) | 2.9 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 5.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 7.0 / 10 |
| Community signal (12 %) | 8.0 / 10 |
Highlights
- German IBAN
- Unlimited foreign currency transactions without surcharge
- Travel insurance package included
- Withdraw €400/month free, then 2%
Costs & Fees
| Annual fee | €89 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa or Mastercard (depending on availability) |
| Issuer | Revolut |
The annual fee is €89. You pay no surcharge abroad or in foreign currency. A fee of 2 % (min. €1) applies to cash worldwide (up to €400/month free). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Debit Credit Cards · Credit Cards With Insurance · Visa Credit Cards Compared · Mastercard Credit Cards Compared
Related guides: Rental car deposits with a credit card · Credit card security: fraud and liability · Using a credit card abroad: how to avoid fees
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Frequently asked questions
- What does the Revolut Premium cost per year?
- The Revolut Premium costs €89 per year.
- Does the Revolut Premium charge foreign currency fees?
- No. With the Revolut Premium you pay no foreign currency fee worldwide.
- Is the Revolut Premium a genuine credit card?
- The Revolut Premium is a debit card — transactions are debited directly from your account.
- Does the Revolut Premium include travel insurance?
- Yes, the Revolut Premium includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Is the Revolut Premium available without SCHUFA?
- Yes, the Revolut Premium can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the Revolut Premium protected?
- Statutory deposit guarantee Lithuania (Public Institution 'Deposit and Investment Insurance' / IDF), up to €100,000. Revolut Bank UAB holds a full banking licence from the Bank of Lithuania.