Revolut
Instant Access Savings (Metal)
AER
Revolut Metal plan savings account with 2% rate. Mid-tier option for existing Metal subscribers.
Instant Access
Instant
Lithuanian DGS
1.34%
Interest Calculator
Gross Interest (1 year)
€100.00
DIRT Tax (33%)
-€33.00
You Keep
€67.00
Revolut Plan Breakeven Analysis
Higher Revolut plans offer better rates, but is the subscription worth it? Here's when upgrading pays off:
Standard → Plus
1.5% → 1.5% (+€3.99/mo)
N/A
Plus → Premium
1.5% → 1.75% (+€5.00/mo)
€24,000
breakeven balance
Premium → Metal
1.75% → 2% (+€7.00/mo)
€33,600
breakeven balance
Metal → Ultra
2% → 2.25% (+€39.01/mo)
€187,248
breakeven balance
Plan Features (beyond savings)
- ✓ €400/mo ATM
- ✓ Unlimited FX
- ✓ 0.6% cashback
- ✓ 5 free trades/mo
- ✓ Crypto 0.99%
- ✓ Commodities 0.49%
- ✓ Travel insurance
- ✓ Lounge discounts
- ✓ €800/mo ATM
- ✓ Unlimited FX
- ✓ 0.8% cashback
- ✓ 10 free trades/mo
- ✓ Crypto 0.99%
- ✓ Commodities 0.49%
- ✓ Full insurance
- ✓ Lounge discounts
- ✓ Metal card
- ✓ €2k/mo ATM
- ✓ Unlimited FX
- ✓ 1% cashback
- ✓ 10 free trades/mo
- ✓ Crypto 0.49%
- ✓ Commodities 0.49%
- ✓ Trading Pro
- ✓ Full insurance
- ✓ Unlimited lounges
- ✓ 3GB global data
This only considers savings rates. Revolut plans include other benefits (insurance, cashback, etc.) that may justify the cost independently.
Pros
- •Good 2% rate
- •Instant access
- •DIRT auto-deducted
- •No maximum balance
Cons
- •Requires €15.99/month Metal plan
- •Lower rate than Ultra
Best For
Important Notes
Requires Metal plan (€15.99/month). DIRT auto-deducted.
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Rate verified: 2026-02-05