Because of the issues I ran into with Wise this past week, I decided to set up an account with Revolut and start shifting my debit card spending over to Revolut instead.

Right now I am on their free Standard plan, but I have been looking into their Metal plan, which costs $17 per month and seems to offer quite a bit.

It looks especially useful for people who travel frequently, make a lot of transfers, or rely on ATM withdrawals, since it could potentially save a significant amount on fees.

Another interesting perk is that they include access to subscription services like NordVPN and Financial Times as well as others (listed below). If you are already paying for a couple of these subscription services, the monthly fee for the Metal plan could effectively pay for itself.

That said, pricing and features vary depending on the country. I set up a US account, so the $17 per month applies there. From what I understand, it costs £15 per month in the UK, though the UK perks are different. There is also a Premium plan in the US for $10 per month, which offers fewer benefits than Metal but still seems like a decent option.

I have included a list below of what is offered with the US Metal plan. I am curious if anyone uses one of their paid plans and whether you feel it provides good value.

Metal Plan Perks:

Unlimited fee-free currency exchange

No additional exchange fees all week.

Global travel insurance

Complimentary with Revolut Metal Everyday benefits.

The Metal Card

Stand out with a personalized Metal card. Get it fast with complimentary express delivery.

Priority support

Get in touch with our support team 24/7, via in-app chat.

International transfers

Save 40% on international transfer fees.

ATM withdrawals

No-fee withdrawals at any of the 55,000 ATMs in our network and $1,200 a month of no-fee withdrawals at out of network ATMs.

Everyday insurance

Get peace of mind with our most comprehensive coverage on everyday purchases.

Travel Savings and Protection:

Unlimited fee-free currency exchange

No additional exchange fees all week.

Discounted airport lounges access

Gain access to over 1,000 exclusive lounges worldwide.

Travel insurance

Coverage for medical emergencies, winter sports, lost luggage, delayed flights, car rental excess insurance, and more.

Free Subscription Services Included:

NordVPN Plus

FT Standard Digital

ClassPass

Picsart Pro

Freeletics

Laundryheap

The travel insurance might be worth the fees by itself. But ...I bet there will be a list of exclusions/ conditions as long as your arm eg. max duration limited to 30 days etc. etc.