Revolut Credit Card

The Revolut Mastercard offers a unique blend of banking flexibility, international payment power, and crypto integration — all controlled from one app.

Known for its fast signup, virtual cards, and real exchange rates, it appeals to travelers, freelancers, and anyone avoiding traditional banking fees. But is it the right choice for users in Germany? Let’s break down the plans, features, and costs.

Revolut Mastercard Overview

The Revolut Mastercard functions as a prepaid debit card but behaves like a modern credit card alternative. It connects to your Revolut account, where you preload funds, and then spend online or in-store globally. With multiple plans — from free to premium — and support for crypto, stocks, and travel perks, it’s one of the most flexible cards in Germany for digital-first users.

Key Features of the Revolut Mastercard:

• Card Type: Prepaid (no overdraft or credit line)
• Account Type: E-money account (non-German IBAN)
• Real Exchange Rates on most currencies (Premium/Metal)
• Crypto & Stock Trading in-app
• Instant Virtual Cards + Disposable Cards
• No FX Fees on most plans
• Apple Pay & Google Pay support
• Daily Budgeting Tools & Analytics
• No SCHUFA check

Each plan increases functionality — higher withdrawal limits, added insurance, and cashback with the Metal plan.

Comparison of Revolut Plans

Revolut offers five different plans, each including a Revolut Mastercard and access to powerful app-based features. From the free Standard plan to the premium Ultra subscription, users can unlock increasing benefits like higher withdrawal limits, no FX fees, insurance coverage, and cashback. The right plan depends on how you use your card — whether for local purchases, international travel, or crypto and investment tools.

Revolut Plan Comparison Table

Plan	Monthly Fee	Free ATM Withdrawals	FX Fees	Insurance Included	Card Type	Cashback	Best For
Standard	€0	€200/month or 5 withdrawals	~0.5% after €1,000/month	None	Virtual + optional physical	None	Everyday use, students, budget users
Plus	€3.99	€200/month	Same as Standard	None	Virtual + physical	None	Users needing a backup or spare card
Premium	€9.99	€400/month	No FX fees	Global travel insurance	Custom design	0.1% (limited)	Travelers and frequent spenders
Metal	€18.99	€800/month	No FX fees	Travel + purchase protection	Metal card	0.4% (most purchases)	Frequent travelers, high spenders
Ultra	€50.00	€2,000/month	No FX fees	Premium travel, medical, lounge	Platinum-style card	0.6% (all spending)	Elite users, digital nomads

Each Revolut Mastercard is prepaid and doesn’t offer a credit line. However, it supports Apple Pay, Google Pay, disposable virtual cards, crypto trading, and budgeting tools — all through one app.

How to Apply for the Revolut Mastercard

Applying for a Revolut Mastercard in Germany is quick and fully digital. There’s no paperwork, no SCHUFA check, and you can be up and running in just a few minutes. All you need is your smartphone, valid ID, and a few minutes to verify your identity.

Steps to Get Your Revolut Mastercard

1. Download the Revolut app
2. Register with your phone number
3. Verify your identity with a photo ID
4. Choose a plan (Standard, Plus, etc.)
5. Fund your account
6. Order your physical or virtual card

1. Download the Revolut app

Available on iOS and Android. You’ll need an internet connection and a valid German phone number.

2. Register with your phone number

Revolut uses your mobile number to create your profile and verify your access.

3. Verify your identity with a photo ID

Take a photo of your passport or national ID and follow the in-app instructions. Most users are verified within minutes.

4. Choose a plan

You can start with Standard (free) and upgrade later, or pick a paid plan if you need features like insurance or metal cards right away.

5. Fund your account

Top up using a debit card, Apple Pay, Google Pay, or bank transfer. There is no minimum deposit for the free plan.

6. Order your card

You can use a virtual card instantly. If you want a physical card, choose your design and confirm your shipping address. Delivery takes around 5–10 business days in Germany.

Pros and Cons of the Revolut Mastercard

The Revolut Mastercard is ideal for those who want full financial control from their smartphone, but it’s not a one-size-fits-all solution. Below is a clear breakdown of the key advantages and drawbacks.

Pros

• No SCHUFA check – ideal for expats, students, and freelancers
• Instant virtual card for online use
• Real exchange rates on Premium, Metal, and Ultra
• Crypto and stock trading in-app
• Wide range of plans to suit all budgets
• Advanced security features like disposable cards
• Travel insurance included with paid plans
• Custom and metal card options
• Fast signup — fully digital
• Excellent mobile interface

Cons

• No credit line – prepaid only
• Not a traditional German bank – foreign IBAN (LT or IE)
• ATM withdrawals are limited on free plans
• Customer support is chat-based — no local phone number
• Some features locked behind expensive tiers
• No cashback on lower plans

Fees and ATM Withdrawals with the Revolut Mastercard

Revolut is transparent about its pricing, but the actual cost of using the card depends on which plan you choose. While the Standard plan is free, certain features like high ATM withdrawal limits and zero FX fees are reserved for premium users.

Feature	Standard	Plus	Premium	Metal	Ultra
Monthly Fee	€0	€3.99	€9.99	€18.99	€50.00
Virtual Card	Free	Free	Free	Free	Free
Physical Card (Delivery)	~€6 (one-time)	Free	Free	Free	Free
FX Fees (Mon–Fri)	0.5% after €1,000	0.5% after €1,000	€0	€0	€0
Free ATM Withdrawals	€200/mo or 5 times	€200/mo	€400/mo	€800/mo	€2,000/mo
ATM Fee After Limit	2%	2%	2%	2%	2%
Currency Exchange on Weekend	Additional markup	Additional markup	Reduced markup	Reduced markup	No markup

Notes:

• Top-ups are free via bank transfer or debit card.
• Crypto trading fees start at 0.25%.
• Upgrades are instant, and plans can be canceled monthly.
• ATM limits reset monthly and apply across currencies.
• Extra ATM withdrawals are still allowed, but with a 2% surcharge.