Advantages of Revolut Ultra: Key Benefits Explained

Revolut Ultra is the top-tier plan aimed at people willing to pay extra to enjoy a bit of extra luxury when dealing with everyday expenses, travel, and large purchases. In this article, we break down the headline benefits of Revolut Ultra and discuss the use cases for its features. Is Revolut Ultra worth the cost? Let’s find out.

Key Features of Revolut Ultra

We’ll start with the main advantages of Revolut Ultra.

Exclusive Card Benefits

Ultra is presented as Revolut’s “account that does it all,” bundled with a platinum-finish card and high-end lifestyle perks. You can also earn RevPoints faster than with any other plan: 1 RevPoint per 1 unit of currency spent.

This means each £1, $1, or €1 spent will give you 1 point, which can later be redeemed for:

• Airline miles;
• Stays and experiences;
• Other discounts.

This perk of Revolut Ultra can save you incredible amounts of money, especially if you’re a frequent traveler.

Higher Spending Limits

Forget about withdrawal limits associated with other Revolute plans! The UK version of Revolut Ultra includes up to £2,000 in fee-free ATM withdrawals per month and free international transfers on eligible transactions. Once again, handy for frequent movers and remote workers.

You also get unlimited currency exchange with no additional fees, even during weekends. Goodbye, weekend markup!

Additional Financial Tools

The list of Revolut Ultra premium features also includes a set of investment tools with an AER of up to 4.50% (variable in the UK), 10 free trades per month, and reduced crypto trading fees (0.49% per trade instead of 1.99% on the Standard plan).

Top-Tier Subscriptions

You can save up to £4,290 per year (around €5,000) on subscriptions. Revolute Ultra grants you free access to:

• Financial Times Premium Digital;
• WeWork;
• MasterClass;
• NordVPN Complete;
• Picsart Gold;
• Perplexity Pro;
• Chess.com;
• Tinder Gold, and more.

The list of available services is constantly updated by the company.

Financial Benefits of Revolut Ultra

This is all well and good, but is Revolut Ultra worth it from a purely financial standpoint?, Let’s find out.

Cashback & Rewards

Revolut Ultra currently offers 0.1% cashback on purchases in Europe/UK and 1% outside Europe. Freelancers also get a 1% cashback on Pro card payments.

Competitive Savings Interest Rates

In the UK, Revolut lists up to 4.50% AER (variable) on Savings for Ultra, which is great if you plan to store a lot of cash in the account. Rates and availability vary by market and can change, so you better check your country’s terms.

Zero FX Markups

You receive zero FX markups with weekends included. For Ultra, this means unlimited currency exchange with no additional fees, including the “weekend surcharge” that most cards have. This can add meaningful annual value if you often convert large sums or travel frequently.

Revolut Pro Synergy for Freelancers

If you run side gigs, pairing Ultra with Revolut Pro will give you an extra 1% cashback on business spending. It’s not a feature unique to this plan, but Ultra users are usually the ones who benefit most from Pro’s cashback structure. Still, we suggest you check your country’s Pro page for up-to-date rates.

Withdrawals Without Fees & Insurance

Revolut Ultra’s plan allows you to withdraw up to €2,000 from global ATMs each rolling month without additional fees (the fees charged by the ATM’s owner may still apply). It also includes insurance on everyday items bought with your Revolut account in case of damage or theft.

Travel Perks of Revolut Ultra

To continue with our Revolut Ultra pros and cons review, let’s take a look at the travel perks the plan has to offer.

Airport Lounge Access

Ultra grants its holders unlimited free airport lounge access via Revolut’s lounge network.

If you usually buy LoungeKey passes anyway (around £22 per visit), ten visits per year mean roughly £220 in discount before considering any guest passes you might also purchase. Ultra members have unlimited access to 1,000+ airport lounges, with complimentary food and drinks included.

Improved Travel Insurance

With Revolut, you get insurance that actually covers your trips. Ultra provides reliable travel insurance with trip & event cancellation, winter sports, car-hire excess, and personal liability. You can get refunded up to 70% of the price on canceled trips or events purchased with Revolut, up to €5,000 per year.

Unlimited Currency Exchange

With unlimited fee-free FX, including weekends, and no international transfer fees on eligible transfers, Ultra can lower friction when you travel and pay suppliers abroad. Don’t waste money on useless fees anymore!

3 GB eSIM Data per Month

If you need connectivity on the move, going Ultra is a great way to save costs and stay online. The plan includes 3 GB of eSIM data per month to give you access to maps, banking, and OTPs without having to buy local SIMs. It is one more small but convenient perk for frequent travelers.

Revolut Ultra Pros and Cons

Now that we’ve finished our Revolut Ultra review and perks coverage, let’s take a look at the advantages and disadvantages of this plan in a more structured form.

Is Revolut Ultra Worth It?

Revolut’s Ultra plan is great if you:

• Take 10+ lounge visits per year;
• Need integrated insurance, unlimited FX, and eSIM;
• Can earn a lot of RevPoints (including via stays/experiences or airline miles).

Using all the benefits to their fullest can cover the plan’s cost and give you a lot of maximum value. However, if you don’t travel often, think twice about whether the plan will actually save money. As usual, the true value of this plan depends on your needs and lifestyle.