Which Revolut plan is actually worth it?

Weighs each plan's instant access savings interest and RevPoints against its monthly fee, based on your savings balance and average spend — so you can see the net €/month each plan actually nets you. It only models those two levers, not other perks (FX limits, insurance, lounge access, etc.) — a plan can be "worse" here and still be worth it for those.

Your numbers

Everything below recalculates live.

Instant access savings balance

€

Average monthly spend

€

Debit vs credit spend75% debit · 25% credit

RevPoints earn different rates on debit and credit card spend, so split your average monthly spend between the two.

Best plan for you

Standard

Beats Premium by €3.11/mo

€6.98 savings (after DIRT) + €1.13 points

🥡 Its points alone are worth ~0.04 Chinese takeaways a month

+€8.10/mo net

All plans ranked

Net = savings interest + RevPoints value − plan fee. 🥡 And since every 3,500 points ≈ one Chinese takeaway, each row also shows how many takeaways/month your points alone are worth.

StandardfreeBest for you

+€8.10/mo

€6.98 savings interest (after DIRT) · €1.13 from 158 points · 🥡 0.04 takeaways/mo

Premium€8.99/mo

+€4.99/mo

€11.17 savings interest (after DIRT) · €2.81 from 394 points · −€8.99 plan fee · 🥡 0.11 takeaways/mo

Plus€3.99/mo

+€4.11/mo

€6.98 savings interest (after DIRT) · €1.13 from 158 points · −€3.99 plan fee · 🥡 0.04 takeaways/mo

Metal€15.99/mo

+€2.82/mo

€12.56 savings interest (after DIRT) · €6.25 from 875 points · −€15.99 plan fee · 🥡 0.25 takeaways/mo

Ultra€55.00/mo

-€29.79/mo

€13.96 savings interest (after DIRT) · €11.25 from 1,575 points · −€55.00 plan fee · 🥡 0.45 takeaways/mo

Best plan by savings & spend

Every point on this map is a hypothetical savings balance (vertical) and monthly spend (horizontal); it's shaded by whichever plan wins there at your current debit/credit split. The white dot is you.

StandardPlusPremiumMetalUltra