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Revolut
Instant Access Savings (Standard)
1.5%
AER
Revolut's free tier savings at 1.7%. No subscription required but lower rate than competitors.
Type
Instant Access
Term
Instant
Protection
Lithuanian DGS
After DIRT
1.00%
Interest Calculator
€5,000
Gross Interest (1 year)
€75.00
DIRT Tax (33%)
-€24.75
You Keep
€50.25
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)
Premium€8.99/mo
- ✓ €400/mo ATM
- ✓ Unlimited FX
- ✓ 0.6% cashback
- ✓ 5 free trades/mo
- ✓ Crypto 0.99%
- ✓ Commodities 0.49%
- ✓ Travel insurance
- ✓ Lounge discounts
Metal€15.99/mo
- ✓ €800/mo ATM
- ✓ Unlimited FX
- ✓ 0.8% cashback
- ✓ 10 free trades/mo
- ✓ Crypto 0.99%
- ✓ Commodities 0.49%
- ✓ Full insurance
- ✓ Lounge discounts
- ✓ Metal card
Ultra€55/mo
- ✓ €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
- •No subscription required
- •Instant access
- •DIRT auto-deducted
- •Easy app interface
Cons
- •Lower rate than MoCo, Bunq
Best For
Casual Revolut usersSmall emergency funds
Important Notes
Standard plan (free). DIRT auto-deducted.
vs Irish inflation (2.1%):-1.10% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05