Revolut
Instant Access Savings (Ultra)
AER
Revolut's premium tier savings account requiring the Ultra subscription. Best rate available but requires €55/month plan.
Instant Access
Instant
Lithuanian DGS
1.51%
Interest Calculator
Gross Interest (1 year)
€112.50
DIRT Tax (33%)
-€37.13
You Keep
€75.38
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
- •Highest Revolut rate at 2.25%
- •Instant access
- •DIRT auto-deducted
- •No maximum balance
Cons
- •Requires €55/month Ultra plan
- •Rate only makes sense with large balance
- •App-only access
Best For
Important Notes
Requires Ultra plan (€55/month). 2.25% on first €100k, 2.00% above. DIRT auto-deducted.
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Rate verified: 2026-02-05