Revolut rewards: pros and cons, reviews of the programme

Just as its name implies, Revolut, a fintech company, a neobank, and so much more, has been making quite a revolution in how people manage their money on an international scale. In this article, we look at the pros and cons of Revolut’s reward programme, providing its loyalty features breakdown. Check what Revolut user reviews say, and explore some smart alternatives.

Revolut plans

IMPORTANT! The conditions for the Revolut RevPoints rewards for 2025 and any other customer loyalty programmes mentioned below vary across countries and may change at any time, often with no official notice. We recommend you proactively and regularly check the respective T&Cs to avoid disappointment.

As any other company working in a highly competitive market, Revolut actively pitches lifestyle extras along its fintech products. Customers are offered various Revolut rewards, from cashback to discounts to ‘free’ services and premium subscriptions.

Revolut employs a customer tier system ranging from a free basic Standard plan to Ultra priced at €60/month or €600/year. Its free and paid plan features differ considerably, and naturally, the more expensive your subscription is, the more Revolut rewards and perks you get. The conditions vary across countries, and in the table below some examples for the UK and Germany are provided.

Benefit tiers for Revolut in the UK/ Germany*

*Where different, presented for the UK/Germany respectively

**Except car hire

👉 Read more about the UK banking apps here.

👉 And about the German banks here.

As you can see from these package comparisons, for example, Revolut Premium and Metal card benefits in Germany do not include subscriptions as they do in the UK, but offer various travel-related insurance, a luxury which UK customers cannot enjoy.

Therefore, it is a good idea to evaluate the pros and cons of Revolut in your country before submitting to any paid subscription plans.

In the following Revolut rewards review, we take a closer look at various benefits offered and explore whether they are as good as they seem to be.

Gift for our readers: a promo code READPROMO for a 0% fee transfer via Profee. Use it until September 30th, 2025.

Revolut cashback

Until recently, cashback eligibility had been one of the everyday perks for users across all subscription plans (although even with Revolut Ultra the cashback amount was capped). In 2024, it was swapped for the Revolut RevPoints rewards programme.

Currently, only holders of Revolut Pro, that is freelancers who use the service to conduct their business activities (with some limitations), are eligible for Revolut cashback as a financial incentive. Opening the Pro account is free, but there are processing charges. For example, payment fees start at 1% + €0.20 and card reader fees at 1.5% per transaction.

The size of cashback depends on the subscription plan, with Revolut Ultra cashback being the highest, and on how much you spend. The basic Revolut Pro cashback percentage is the following:

• Standard/Plus = 0.4 %
• Premium = 0.6 %
• Metal = 0.8 %
• Ultra = 1%

The amount is unlimited but certain transactions and merchants are not covered by the Revolut cashback scheme. Examples include financial services, utilities, or government services such as tax payments or postal services.

Keep in mind that Revolut cashback received in the line of business is viewed as taxable income in some jurisdictions (for example, in the UK), so, if applicable, you also will need to pay income tax on it.

Explore: How to close your Revolut account for good.

Revolut reward points

The Revolut RevPoints rewards programme, officially introduced in 2024, is a loyalty programme which allows you to collect points when you spend money with Revolut or perform any other “points receiving activity” such as:

• Paying with your debit card
• Booking Stays and Experiences in the Revolut app
• Making purchases with Revolut Shops, and so on.

As already mentioned, the new system has replaced cashback across all subscription plans, even as the Revolut Metal or Ultra benefits.

The number of Revolut reward points you get will depend on many factors, such as your subscription tier, what you spend your money on, and how much you spend. For example, for the UK users, booking a Stay or an Experience gets them up to 2 points per €1 spent, and shopping in-app up to 20 points per €1 spent. Be ready, however, that the conditions can change at any time: say, yesterday you got a point for every €1 spent, and as of today, it is for every €4.

These are the ‘passive’ ways to accumulate the Revolut RevPoints rewards in 2025: you simply use Revolut for various purposes and earn the points along the way, “a harmless little freebie” as one of the Revolut user reviews describes it.

A more ‘active’ way is to deposit your spare change towards Revolut RevPoints rewards programme, or, to put it simply, to buy points rounding up every transaction you make. If you opt in for this Revolut reward automation and funnel enough spare change there, you then can redeem your Revolut reward points, say, for a gift certificate three times less the value. It is up to you to decide whether that sounds like a good deal.

One of the most practical ways to turn your points into Revolut real-world benefits, according to user feedback on rewards, is to exchange them 1:1 for airmiles with the two available loyalty programmes, Flying Blue (AirFrance, KLM, etc.) and Avios (British Airways, Iberia, Vueling, Aer Lingus).

However, it does not mean you can get a fully free trip as a Revolut reward. For example, KLM only allows 25% of your regular flight tickets to be paid with airmiles. Generally, if you have bought a ticket, an upgrade to business class on a long-haul trip requires around 50,000 airmiles.

Considering that, say, Revolut Metal benefits get you one point for every €2 spent, there is a lot of shopping to be done. As a side note, it is not rare for Revolut to close accounts for whatever reason. In theory, you might be allowed to redeem what you have collected through the Revolut RevPoints rewards programme, but in practice it might take you some time to get it out.

The Revolut RevPoints rewards in 2025 also expire after three years, which is a good thing to keep in mind if you are collecting those to be redeemed with a major purchase.

Explore:

• ATMs in Europe.
• ATMs in the UK.

Partner discounts and offers

Subscription-based benefits include various discounted and free services. One large part is digital subscriptions of all types such as the Financial Times, WeWork, Uber One and Wolt delivery services, NordVPN, Tinder, and so on, but not all may be available in your country. For example, in France the Revolut Metal and Ultra card benefits both contain partner subscriptions worth €2,600 annually, and in the UK the amounts are £2,100 and £4,290 respectively. Whether you use those or not does not affect your subscription fee.

Living in France? Compare N26, Revolut and Wise and choose the best digital bank for yourself.

Another extensive Revolut rewards offering relates to travel. For example, for over 1,000 airport lounges worldwide there is a Revolut discount system for Premium and Metal users while for Ultra subscribers access is free and unlimited.

In addition, there is travel insurance with Revolut including global medical insurance, delayed flight or lost luggage insurance, and so on. In many countries, these are offered only with its premium fintech subscription, Ultra.

Keep in mind that if you do not qualify for insurance coverage as part of your Revolut Metal or Ultra card benefits, you still pay the subscription fee in full. Also, be ready to handle “Kafkaesque email chains” if claiming a refund.

Revolut referral rewards

A referral programme is one of the occasionally available Revolut rewards for loyal clients, allowing them to invite others to Revolut for a reward. You will be notified if you are eligible for referrals, and you can invite up to 5 people per ‘campaign’ that is run for a specific timeframe as one of the in-app perks by Revolut.

As of May 2025, the amount you get will depend on the country of your friend’s residence, or whether you participate in a draw which is one of the limited-time Revolut offers. Only you benefit from the Revolut referral rewards, the other side does not.

The invitee needs to sign up, add money to their Revolut account, get a physical card, and make a specific number of purchases for a specific amount of money with specific timing (these parameters for Revolut rewards vary depending on the country of your registration). Some transactions, including gift cards, currency exchange transactions, and money transfers, are not valid purchases for Revolut referral rewards.

The participation conditions are only available in-app and are “unique to you”, which means there is no universal Revolut benefit calculator or guide.

Even if you and your invitee both think the conditions have been met, Revolut might not see you as eligible for the reward and leave you feeling “exploited”, according to a Revolut referral rewards review.

Smart alternative

Despite its ‘Excellent’ rating on Trustpilot, some say that Revolut “used to be cool and beneficial, but that isn’t the case anymore”. So, perhaps it is time to look at alternative solutions, especially for specific purposes such as international money transfers.

If you are an expat living in Europe who needs to send money abroad, try Profee, a licensed online remittance service. Customer-friendly and easy to use, Profee offers instant, secure, and the most affordable money transfers from Europe to 90+ destinations worldwide.

Its currency exchange rates are one of the best on the market, its fees are very low or even zero, and there is a special promo rate on the first transfer, which helps Profee’s customers to save a lot of money on remittances.

Moreover, Profee runs a generous referral programme. Unlike with Revolut, it is not limited in time or amount (you can use your referral link whenever you want and as many times as you want) and both sides are rewarded (you get €25 and your invitee €10 after the completion of few simple steps, if you both meet all the referral programme requirements).

To unlock these and many other benefits, get the Profee app or visit our website and start sending, saving, and earning money!