Revolut Ultra: A Comprehensive Guide to the Premium Financial Plan

Revolut Ultra

Revolut Ultra is the highest-tier subscription plan offered by Revolut, a global financial app known for its innovative banking and lifestyle services. Priced at approximately £540 per year in the UK or €540 in most EU countries (with equivalent pricing in other regions), Ultra targets frequent travelers, high spenders, and those seeking premium financial and lifestyle benefits. This article provides an in-depth exploration of Revolut Ultra’s features, benefits, costs, and considerations, offering a clear picture of what the plan entails and how it fits into modern financial lifestyles. This guide covers every aspect of the plan, from financial tools to travel perks, without subjective sentiment, ensuring a factual and detailed resource.

Overview of Revolut Ultra

Revolut Ultra is designed as a premium financial and lifestyle package, combining advanced banking features, travel benefits, and exclusive subscriptions. Launched as Revolut’s most comprehensive plan, it aims to deliver value exceeding its annual cost through a blend of practical and luxury-oriented services. The plan is available in select markets, including the UK, EU, US, Australia, and Singapore, with slight variations in pricing and benefits based on region. Ultra is accessible via the Revolut app, with pricing displayed in local currencies (e.g., zł2,520/year in Poland, ~$720/year in the US as of June 2025 exchange rates).

The plan requires a 12-month commitment, though users can cancel anytime. Early cancellation within the first six months incurs a fee (e.g., $65 in some regions), and benefits remain active until the end of the paid billing cycle. Over 430,000 users in the UK and EEA joined the waitlist in 2023, reflecting significant demand for Ultra’s offerings.

Cost and Subscription Details

The cost of Revolut Ultra varies by region but is structured as follows:

• UK: £540/year or £45/month.
• EU: €540/year or €45/month in most countries.
• Other Regions: Equivalent pricing (e.g., ~$720/year in the US, zł2,520/year in Poland, based on June 2025 exchange rates).

The annual billing option saves users the equivalent of two months compared to monthly billing. To subscribe, users download the Revolut app, navigate to the plan selection, and choose Ultra. Availability and specific fees should be confirmed in-app, as they vary by country. The plan’s terms and conditions, accessible via the app, outline cancellation policies and benefit eligibility.

Core Financial Features

Revolut Ultra offers a suite of financial tools tailored for users managing multi-currency transactions, investments, and savings. Below are the key financial features:

Unlimited Currency Exchange

Ultra provides unlimited, fee-free currency exchange during weekdays, covering 100+ currencies at competitive interbank rates. This is particularly useful for users who frequently transfer or spend across borders, such as expats or international business owners. Weekend exchanges may incur a small markup (typically 0.5–1%), which is lower than standard banking fees.

High ATM Withdrawal Limits

Users can withdraw up to €2,000 per month (or equivalent, e.g., £2,000 in the UK, zł7,500 in Poland) from ATMs worldwide without fees. Beyond this limit, a 2% fee applies. This high threshold suits travelers and those reliant on cash in regions with limited card acceptance.

Cashback on Purchases

Ultra offers cashback on eligible purchases:

• Outside Europe/UK: 1% cashback.
• Within Europe/UK: 0.1% cashback. The cashback is capped at the monthly plan price (e.g., £45/month in the UK). Eligible transactions exclude certain categories like gift cards or money transfers, with full details in the app’s terms.

High-Yield Savings

Ultra users can earn up to 5% annual equivalent rate (AER) on savings, paid daily with instant access. Rates vary by region:

• UK: Up to 3% on GBP, 3.54% on USD.
• Poland: Up to 5% on PLN.
• Other Regions: Rates depend on local market conditions, viewable in-app. Savings are held in flexible accounts, allowing users to withdraw funds without penalties, making it a competitive option compared to traditional bank accounts.

Investment Benefits

Ultra includes access to advanced investment options:

• Stocks: 10 commission-free stock trades per month, with a low fee of 0.12% (or country-specific minimum) after free trades. Available markets include the US and EU.
• Cryptocurrencies: Fees reduced to 0.49% per trade (vs. 1.99% on Standard plans). Over 100 cryptocurrencies are supported.
• Commodities: Trading in gold, silver, platinum, and palladium at 0.49% fees (vs. 1.99% on Standard). All investments carry risk, and users should review terms in the app to understand potential losses.

RevPoints Loyalty Program

Ultra users earn 1 RevPoint per £1 or €1 spent on eligible transactions. Points can be redeemed for:

• Airline miles (e.g., British Airways, Emirates).
• Accommodation bookings via Revolut Stays.
• eSIM data top-ups. New Ultra subscribers receive a 10,000-point welcome bonus, equivalent to significant travel or service redemptions. Promotions, such as double points on select transactions, may run periodically (e.g., until Q3 2025), with details in the app.

Travel and Lifestyle Benefits

Revolut Ultra emphasizes travel and lifestyle perks, positioning it as a competitor to premium cards like American Express Platinum. Below are the key offerings:

Unlimited Airport Lounge Access

Ultra includes unlimited access to over 1,400 airport lounges worldwide through partnerships like Priority Pass. Benefits include complimentary food, drinks, and Wi-Fi, though guest passes are not included, unlike some competitors. Certain lounges (e.g., Eurostar, Delta) may be excluded, so users should check the in-app lounge finder before traveling.

Comprehensive Travel Insurance

Ultra’s travel insurance, underwritten by third-party providers (details in-app), covers:

• Trip/Event Cancellations: Up to €5,000/year for cancellations, with 70% reimbursement for any reason or 100% for specific reasons (e.g., medical emergencies).
• Travel Emergencies: Medical and dental coverage up to €15 million, including winter sports.
• Lost Luggage: Up to €3,000 for lost or delayed baggage.
• Flight Delays: Compensation for delays over 4 hours.
• Car Rental Excess: Up to €2,000 for rental car damage.
• Personal Liability: Up to €1 million for third-party claims. Claims are processed via the app, with average payouts valued at ~£420/year based on 2023–2024 UK/EEA data. Users must review terms for eligibility, as restrictions apply (e.g., pre-existing conditions).

3GB Global eSIM Data

Ultra provides 3GB of monthly global data in 185+ countries, supporting 5G where available (e.g., US, UK, Australia). The eSIM integrates with the Revolut app, offering seamless activation for travelers. Data resets monthly, and top-ups are available via RevPoints or cash.

Revolut Stays Cashback

Users earn up to 10% cashback on accommodation bookings made through Revolut Stays, the app’s travel booking platform. This applies to hotels, apartments, and other lodging, with cashback credited to the Revolut account.

Premium Subscriptions

Ultra includes access to premium services, valued at over £2,100/year based on retail prices:

• Financial Times Digital Premium: Full access to articles and market insights.
• ClassPass: 20 credits/month for fitness classes or gym access.
• WeWork: 3 entries/month to coworking spaces (availability depends on location).
• NordVPN: Secure internet access for travel or remote work.
• Other Partners: Vary by region, including services like Sleep Cycle or Tinder Gold. Users must activate subscriptions via the app, and availability may differ by country.

Platinum-Plated Card

Ultra includes an exclusive platinum-plated Mastercard, accepted globally but with reported issues at some ATMs (e.g., Euronet) or smaller merchants preferring Visa. Users can customize card designs in-app for added personalization.

Purchase Protection

Ultra offers:

• Stolen/Damaged Items: Up to £10,000/year for items purchased with the Ultra card.
• Event Cancellations: Up to £1,000 for non-refunded tickets.
• Refund Protection: Up to £600 for returns within 90 days. Claims are subject to terms, such as proof of purchase, and processed via the app.

Priority Support

Ultra users receive 24/7 priority support via in-app chat or callback (English-only for phone support). Response times are typically faster than lower-tier plans, though some users report variability.

Family Features

Ultra includes up to five full-access Revolut <18 accounts for children aged 6–17, with parental controls, budgeting tools, and linked cards. This supports families teaching kids financial literacy.

Value Proposition

Revolut estimates Ultra’s annual benefit value at over £4,000 (~€5,000 or lei 25,000 in Romania), based on average UK/EEA customer usage from September 2023–September 2024. This calculation includes:

• Savings on currency exchange and ATM fees.
• Retail value of subscriptions (e.g., Financial Times, NordVPN).
• Insurance claim payouts and lounge access savings.
• Cashback and RevPoints redemptions.

Actual value depends on usage. For example:

• Frequent Travelers: Lounge access (valued at £20–£50/visit) and insurance can offset the £540 fee with 10–20 visits or one claim annually.
• High Spenders: Users spending £11,000/month in Europe or £5,500 elsewhere maximize cashback (£45/month).
• Subscription Users: Leveraging ClassPass, WeWork, or Financial Times adds significant value.

For low spenders or infrequent travelers, the plan’s cost may outweigh benefits, making Revolut Metal (£14.99/month) or Premium (£7.99/month) more cost-effective.

Comparison to Other Plans and Competitors

Revolut Plans

• Revolut Metal (£14.99/month): Offers lounge access (limited to 4 visits), insurance, and cashback but with lower limits (e.g., €800 ATM withdrawals, 0.1–0.8% cashback). No premium subscriptions or eSIM.
• Revolut Premium (£7.99/month): Basic travel insurance, 3 commission-free stock trades, and 0.1% cashback but no lounge access or subscriptions.
• Revolut Standard (Free): Limited features, with fees on exchanges (1% weekends), crypto (1.99%), and withdrawals (€200/month limit).

Competitors

• American Express Platinum: Higher annual fee (~£575 in UK) but offers better rewards (1–3 points per £1), guest lounge passes, and broader merchant acceptance. Less competitive for Eurozone users due to currency fees.
• Chase Sapphire Reserve (US): $550/year with 3x points on travel/dining, lounge access, and $300 travel credit. Strong for US-based users but limited globally.
• Curve Metal (£14.99/month): Offers cashback and basic travel perks but no subscriptions or eSIM.
• Monzo Premium (£15/month): Lower cost with insurance and savings perks but fewer travel benefits.
• N26 Metal (€16.90/month): Similar to Metal, with lounge access and insurance but no subscriptions.

Ultra stands out for its eSIM, subscriptions, and high savings rates but requires heavy usage to justify its cost.

Considerations for Potential Users

Who Benefits Most?

• Frequent Travelers: Those visiting multiple countries monthly benefit from lounge access, eSIM data, and insurance.
• High Spenders: Users with significant non-European spending maximize cashback.
• Digital Nomads/Expats: Multi-currency tools, eSIM, and VPN access suit global lifestyles.
• Families: Revolut <18 accounts add value for parents.
• Subscription Users: Those leveraging Financial Times, ClassPass, or WeWork see high returns.

Potential Limitations

• Cost: £540/year requires consistent use of perks to break even.
• Cashback Caps: Limited to £45/month, less competitive than point-based cards.
• Lounge Restrictions: No guest passes; some lounges are excluded or crowded.
• Card Issues: Platinum Mastercard may not fit all ATMs or be accepted universally.
• Regional Variations: Benefits and pricing differ by country, requiring in-app verification.

Tips to Maximize Value

1. Track Usage: Use the app’s analytics to monitor cashback, RevPoints, and subscription usage.
2. Leverage Travel Perks: Book via Revolut Stays for 10% cashback and use lounge access for every trip.
3. File Claims Promptly: Submit insurance claims within time limits (check T&Cs) for cancellations or delays.
4. Use eSIM Strategically: Activate data for travel to avoid roaming fees.
5. Combine Investments: Trade stocks, crypto, or commodities to benefit from low fees.

How to Sign Up and Verify Details

To subscribe:

1. Download the Revolut app (available on iOS, Android, or via grok.com).
2. Navigate to “Plans” in the app and select Ultra.
3. Review pricing and terms for your country.
4. Complete payment (annual or monthly billing).

For the latest fees, benefits, and terms:

• Visit https://www.revolut.com/ultra.
• Check in-app for country-specific details, as benefits like subscriptions or insurance vary.
• Review investment and insurance terms to understand risks and eligibility.

Additional Features and Updates

• Priority Feature Access: Ultra users often get early access to beta features, such as new crypto options or budgeting tools.
• Tax Tools: Advanced reporting for multi-currency transactions, useful for freelancers or investors.
• Promotions: Periodic offers, like double RevPoints on travel bookings (active until Q3 2025), enhance value.
• Future Enhancements: Revolut may add new subscriptions (e.g., streaming or fitness services) in 2025, based on user demand. Check the app for updates.

Conclusion

Revolut Ultra is a premium financial and lifestyle plan offering a robust suite of features, from unlimited currency exchange and high-yield savings to airport lounge access, travel insurance, and exclusive subscriptions. Priced at £540/year in the UK (or equivalent), it delivers an estimated £4,000+ in annual value for users who maximize its perks. Frequent travelers, high spenders, and those leveraging subscriptions like Financial Times or ClassPass will find the most benefit, while low spenders or infrequent travelers may prefer cheaper plans like Revolut Metal or Premium.

To determine if Ultra suits your needs, assess your travel frequency, spending habits, and subscription usage. Always verify country-specific details and terms in the Revolut app, as benefits and costs vary. With its blend of financial tools and lifestyle perks, Ultra positions itself as a compelling option for those seeking a premium, all-in-one financial solution.