Revolut Credit Card

Revolut has become one of the most popular digital banks in the Netherlands — and for good reason. Whether you want a free multi-currency card, crypto trading, travel insurance, cashback, or lounge access, Revolut offers a plan for every type of user. From the basic Standard card to the exclusive Ultra plan, each tier unlocks new features and perks. But which one is actually worth paying for?

Let’s take a look and break down all five Revolut cards available in the Netherlands — and help you find the best fit for your lifestyle.

What Is Revolut and How Does It Work in the Netherlands?

Revolut is a fully digital banking alternative available to residents in the Netherlands. Through the Revolut app, users get access to a multi-currency account, international payments, savings tools, crypto and stock trading, and several premium card tiers — all without relying on a traditional bank.

In the Netherlands, Revolut operates under an EU e-money license, which means you receive a personal IBAN, can send and receive SEPA transfers, and use your Revolut card anywhere Mastercard or Visa is accepted. The service supports EUR as your base currency, with the option to hold and exchange over 30 other currencies at competitive rates.

You can manage everything from the Revolut app, including setting up virtual cards, freezing your physical card, tracking expenses, and exchanging currency. Whether you’re looking for a free everyday card or premium features like travel insurance, airport lounge access, or higher savings yields, Revolut offers a plan tailored to your needs — and setting it up takes just minutes.

How to Apply for a Revolut Card in the Netherlands

Getting started with Revolut is fast and fully digital. Whether you’re signing up for the free Standard card or going straight for Premium or Ultra, the entire process takes just a few minutes and requires no paperwork.

1. Download the Revolut App
2. Register with Your Phone Number
3. Verify Your Identity
4. Choose Your Plan
5. Order Your Card (Physical or Virtual)
6. Top Up Your Account

1. Download the Revolut App

Start by downloading the Revolut app from the App Store or Google Play. The app is available in English and Dutch and works across all devices.

2. Register with Your Phone Number

Once installed, you’ll be asked to enter your mobile number. You’ll receive a one-time verification code via SMS to confirm it’s you.

3. Verify Your Identity

As part of EU financial regulations, Revolut requires identity verification. Upload a photo of your passport or Dutch ID and a selfie for confirmation. This usually takes just a few minutes.

4. Choose Your Plan

After verification, you’ll be asked to select a card plan: Standard (free) or one of the paid tiers (Plus, Premium, Metal, or Ultra). You can upgrade later if you change your mind.

5. Order Your Card

You can start with a virtual card instantly or order a physical card to your address in the Netherlands. Higher-tier plans offer custom designs or metal cards.

6. Top Up Your Account

To activate your card, add money via iDEAL, bank transfer, or another linked card. Once topped up, you’re ready to spend online or in-store.

Overview of Revolut Card Plans

Revolut offers five card tiers in the Netherlands — from the free Standard plan to the elite-level Ultra membership. Each card comes with a different set of features, including daily spending tools, travel perks, cashback, and investment options. Below is a side-by-side comparison of what each plan includes and how they differ.

Revolut Card Comparison

Feature	Standard	Plus (€3.99/mo)	Premium (€9.99/mo)	Metal (€18.99/mo)	Ultra (€50/mo)
Monthly Fee	€0	€3.99	€9.99	€18.99	€50
Card Type	Basic	Personalized Plus	Personalized Premium	Metal Card	Platinum-plated card
RevPoints Earn Rate	1 per €10 spent	1 per €10	1 per €4	1 per €2	1 per €1
Priority Support	–	In-app chat	In-app chat	In-app + call back	Priority + call back
ATM Withdrawals (Free)	€200/mo or 5 txns	€200/mo	€400/mo	€800/mo	€2,000/mo
Currency Exchange (Mon–Fri)	€1,000 limit	€3,000 limit	Unlimited	Unlimited	Unlimited
Weekend FX Markup	1%	0.5%	0%	0%	0%
eSIM Data	–	–	3 GB/mo	3 GB/mo	Unlimited
Cashback	–	0.4%	0.6%	0.8%	1%
Travel Insurance	–	–	Included	Extended	Full coverage
Lounge Access	–	Available to buy	Discounted	Discounted	Unlimited
Trading (Stocks)	1 trade/mo	5 trades/mo	10 trades/mo	10 trades/mo	Trading Pro
Daily Savings Rate (EUR)	1.99% APY	2.14% APY	2.59% APY	2.74% APY	2.84% APY
Revolut <18 Access	1 child	2 kids + 1 co-parent	2 kids + 1 co-parent	5 kids + 1 co-parent	5 kids + 1 co-parent

Each plan adds new layers of value depending on your usage — from basic daily banking to frequent travel, cashback rewards, and advanced financial features.

Revolut Standard Card

The Standard plan is Revolut’s free entry-level card, ideal for anyone who wants to try digital banking without commitment. It includes a free EUR IBAN account, a virtual or physical debit card, and access to Revolut’s core features like spending analytics, budgeting tools, and currency exchange.

Despite being free, the Standard plan still gives you €200/month in free ATM withdrawals and up to €1,000/month in currency exchange at the interbank rate on weekdays. You can also make SEPA transfers, link the card to Apple Pay or Google Pay, and spend in over 150 currencies.

However, there’s no travel insurance, no cashback, and no premium support. If you want extra perks or higher limits, one of the paid plans may be a better fit. But for basic use in the Netherlands and Europe, the Standard plan covers all the essentials — and works straight out of the box.

Revolut Plus Card

The Plus plan is Revolut’s most affordable paid tier. It’s ideal for users who want more protection and personalization without committing to a high monthly fee. For just €3.99 per month, you unlock a personalized physical card, priority in-app support, and purchase protection, which covers stolen or damaged items.

You’ll still get €200 in free ATM withdrawals per month and up to €3,000/month in weekday currency exchange at no extra cost. Weekend exchanges come with a reduced 0.5% markup compared to the Standard plan’s 1%. The card also earns 1 RevPoint for every €10 spent, which can later be used for travel perks or rewards.

While it doesn’t include travel insurance or cashback, the Plus plan adds peace of mind for daily spending and gives you more flexibility for a minimal cost. It’s a solid middle ground between the free plan and the more benefit-packed Premium or Metal tiers.

Revolut Premium Card

The Premium plan offers a significant upgrade for frequent spenders and light travelers. For €9.99 per month, you get a personalized Premium card, priority customer support, and access to international travel insurance, covering medical emergencies, trip delays, and more.

Premium users benefit from €400/month in free ATM withdrawals, unlimited weekday currency exchange, and 0% weekend FX markup. The plan also includes 3GB of global eSIM data per month, perfect for staying connected abroad without roaming fees.

In terms of rewards, you earn 1 RevPoint for every €4 spent, and you get discounted lounge access plus cashback on Revolut Pro earnings at 0.6%. Combined with 10 free stock trades/month and enhanced savings yields, Premium is well-suited for users who want travel and financial perks without jumping to the more expensive Metal or Ultra plans.

Revolut Metal Card

The Metal plan is designed for heavy users who want both status and substance. For €18.99 per month, you receive a premium metal card, priority support with callback options, and a full suite of travel benefits, including comprehensive insurance for medical issues, delayed flights, and lost luggage.

Metal users get €800/month in free ATM withdrawals, unlimited currency exchange, and 0% weekend markup. You also get 3GB of global eSIM data, discounted lounge access, and enhanced cashback up to 0.8% — especially attractive for freelancers using Revolut Pro.

In addition, Metal includes 10 free monthly stock trades, a higher savings APY, and perks for families, such as up to 5 child accounts with co-parenting access. For those who travel often, spend a lot, or want to maximize rewards, the Metal plan hits a balance between luxury and utility.

Revolut Ultra Card

The Ultra plan is Revolut’s most exclusive offering — built for high spenders who want full access to premium banking, travel, and investment tools. At €50 per month, you receive a platinum-plated Ultra card, unlimited lounge access, and full travel protection including worldwide medical insurance, car rental excess cover, winter sports protection, and lost luggage compensation.

Ultra members enjoy €2,000/month in free ATM withdrawals, unlimited currency exchange with no weekend fees, and unlimited global eSIM data. The card offers the highest RevPoints earn rate (1 per €1 spent) and 1% cashback through Revolut Pro, along with Trading Pro access for advanced investors.

You’ll also get Revolut’s top-tier savings rates, up to 2.84% APY on EUR funds, and priority customer support with personal callback service. The Ultra card is not for everyone — but for users who travel frequently, manage multiple assets, and want every possible perk, it represents maximum value and convenience in one elite package.

Key Benefits of Using Revolut Cards in the Netherlands

Revolut offers far more than a payment card — it’s a flexible financial ecosystem tailored to modern users. Whether you’re a traveler, freelancer, investor, or just looking for smarter money management, here are the standout benefits:

Travel Perks

Premium, Metal, and Ultra members gain access to comprehensive travel insurance, covering medical emergencies, cancellations, and baggage issues. Higher tiers also include airport lounge access, global eSIM data, and free or discounted FX rates, ideal for frequent flyers. With Metal or Ultra, you can travel across borders without worrying about extra currency fees or mobile roaming costs. Learn more about travel perks in our overview over travel cards in the Netherlands.

Cashback Rewards

Revolut Pro users earn cashback from 0.4% to 1%, depending on their plan. This applies to eligible transactions and can significantly add up for freelancers and small business owners who run expenses through their Revolut card. The cashback is paid out instantly in euros or crypto, depending on the setup.

Currency Exchange & Multi-Currency Spending

Revolut supports over 30 currencies with interbank exchange rates. Standard and Plus users get capped free FX exchange, while Premium and above enjoy unlimited weekday exchanges with 0% markup on weekends. This is perfect for online shoppers, expats, or digital nomads.

Investment Access

From the Premium plan upward, users can buy and sell stocks commission-free, with 5 to 10 trades per month. Ultra members unlock Trading Pro, ideal for more active investors. Revolut also supports crypto trading, commodities, and savings funds with competitive APYs.

Smart Budgeting & Expense Management

All plans include features like spending categorization, budget limits, and instant transaction notifications. Users can freeze/unfreeze cards, create virtual cards for safer online shopping, and set up spending limits per card.

Fees and ATM Withdrawals

Revolut’s pricing model is transparent and tiered. Depending on your plan, you’ll either pay no monthly fee or access premium features for a fixed monthly cost. Most core banking actions are free, but ATM withdrawals and currency exchange limits vary per plan.

Monthly Fees and ATM Withdrawal Limits

Plan	Monthly Fee	Free ATM Withdrawals (per month)	ATM Fee After Limit	Currency Exchange Limit (Weekdays)
Standard	€0	€200 or 5 withdrawals	2%	€1,000
Plus	€3.99	€200	2%	€3,000
Premium	€9.99	€400	2%	Unlimited
Metal	€18.99	€800	2%	Unlimited
Ultra	€50	€2,000	2%	Unlimited

Currency Exchange Markup:

• Weekdays: No extra fees within limits or unlimited on higher tiers.
• Weekends:
  • Standard: 1%
  • Plus: 0.5%
  • Premium, Metal, Ultra: 0%

Card Delivery Fees:

• Free with paid plans
• Standard users pay a small delivery fee for physical cards unless upgraded

Other Common Fees:

• International transfers: Discounted or free, depending on the tier
• Replacement card: Free for Premium+, small fee for Standard