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Revolut offers app-based current accounts with a choice of free and paid plans. Its main UK personal plans are Standard, Plus, Premium, Metal and Ultra. Customers can also access related features such as Joint Accounts, Revolut Pro for freelancers, Kids & Teens accounts and savings products.
Revolut Standard is the free plan. It includes everyday app-based banking, payments, budgeting tools, virtual cards, currency exchange within plan limits and access to features such as Pockets and spending analytics. Revolut says Standard has no monthly plan fee.
Revolut Plus is a paid plan for customers who want extra everyday benefits, such as higher limits and purchase protection. Revolut lists Plus at £3.99 a month or £40 a year.
Revolut Premium is designed for customers who want more features from their account, including higher savings rates, brand subscriptions, higher fee-free ATM limits and no fair usage limit on weekday currency exchange. Revolut lists Premium at £7.99 a month or £80 a year.
Revolut Metal is aimed at customers who want more travel and lifestyle benefits. It includes a metal card, higher fee-free ATM withdrawal limits, selected travel cover, global data and included subscriptions. Revolut lists Metal at £14.99 a month or £140 a year.
Revolut Ultra is Revolut’s top-tier personal plan. It includes premium benefits such as a platinum-plated card, unlimited airport lounge access, monthly global data, cancellation cover, selected travel insurance benefits and higher savings rates. Revolut lists Ultra at £55 a month or £540 a year.
Revolut also offers Joint Accounts for customers who want to manage shared spending and bills with another person. You’ll need a personal Revolut account before opening a Joint Account, and terms apply.
The right Revolut current account depends on how you plan to use it and whether the paid plan benefits are worth the monthly fee.
Revolut Standard may suit you if you want a free app-based account for everyday spending, budgeting, payments and basic currency features.
Revolut Plus could be worth considering if you want a lower-cost paid plan with added purchase protection and improved everyday limits.
Revolut Premium may suit you if you regularly travel, exchange currencies or want extra lifestyle benefits such as subscriptions and higher fee-free ATM withdrawal limits.
Revolut Metal could be a better fit if you want more travel benefits, higher limits, a metal card and extra rewards.
Revolut Ultra is likely to be most suitable for frequent travellers or customers who expect to use premium benefits such as unlimited airport lounge access, monthly global data, partner subscriptions and cancellation cover.
Before choosing a paid Revolut plan, compare the monthly or annual fee with the benefits you’re likely to use.
Yes. Revolut offers different perks and rewards depending on the plan you choose.
Revolut customers can earn RevPoints through everyday card spending. These can be used for travel-related rewards, such as air miles and stays discounts. The earn rate varies by plan, from 1 point per £10 spent on Standard and Plus, up to 1 point per £1 spent on Ultra.
Selected paid plans include partner or brand subscriptions. Revolut’s comparison page lists included subscriptions on Premium, Metal and Ultra, with the available subscriptions varying by plan and terms.
Some Revolut paid plans include travel-related benefits. Depending on the plan, these can include discounted or unlimited airport lounge access, global medical insurance, car hire excess insurance, winter sports insurance, delayed flight or baggage cover, global data and cancellation cover. Insurance terms, exclusions and limits apply.
Revolut offers savings products, with rates that can vary by plan and balance. Its plan comparison page shows higher savings rates on some paid plans, although rates are variable and can change.
Revolut Pro is available for freelancers and includes cashback on eligible Pro card payments. Cashback rates vary by plan, from 0.4% on Standard and Plus up to 1% on Ultra. Fees apply for some acquiring features.
Revolut also offers linked Kids & Teens accounts for family members aged 6 to 17. These can help younger users learn about spending and saving, with features and limits depending on the parent or guardian’s plan.
A Revolut current account may appeal if you want:
To open a Revolut personal account, you must usually be over 18 and a legal resident of a supported country. Revolut also says 16 and 17 year olds who are legal residents of the UK can open a Revolut account, although some products, such as trading, crypto and credit, may not be available to them.
To open and use a Revolut account, you’ll normally need to provide:
A valid mobile phone number
A valid email address
Personal information such as your address, date of birth, full name and citizenship
A valid government-issued identity document
A selfie for account security
Revolut may also ask questions about you and the purpose of your account. You can only have one personal Revolut account, although customers aged over 18 may be able to open a Joint Account or Revolut Pro account after opening a personal account.
Revolut does not appear to offer a standard arranged overdraft as part of its UK personal current account plans.
Revolut’s UK personal account plans are mainly designed for app-based spending, budgeting, transfers and currency features, rather than overdraft borrowing.
If you switch an account to Revolut, Revolut says any overdraft you have with your previous provider will not be transferred.
If access to an arranged overdraft is important to you, it’s worth comparing Revolut with other current accounts before applying.
Yes. Revolut says its Switch Service helps customers move an existing bank account to Revolut while keeping payments running smoothly. You can choose a full switch, which moves your payments and remaining balance to Revolut and closes your old account, or a partial switch, which moves payments while keeping your old account open.
Revolut says full account switches are covered by the Current Account Switch Service guarantee and are completed within seven days. Eligible payments include incoming payments such as salary, pension or benefits, Direct Debits and scheduled payments.
Debit card subscriptions and any overdraft with your old provider will not be transferred to Revolut, so you may need to update some payment details separately.
Before opening a Revolut current account, it’s worth comparing it with other current accounts to make sure it suits the way you manage your money.
With MoneySuperMarket, you can compare current accounts from a range of providers and look at features such as monthly fees, overdraft options, rewards, switching incentives, travel benefits and app-based banking tools.
Think about whether you want a free account, a paid plan with extra perks, travel benefits, currency features, a joint account or an account with an arranged overdraft.
Once you’ve compared your options, you can choose the account that best matches your needs. Comparing current accounts can help you understand what’s available before you apply, so you can feel more confident you’re choosing the right account for your everyday banking.
Reviewed on 22 Jun 2026
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
