Revolut Ultra Review: Is It REALLY Worth The Cost? | Metal Comparison

[@riccantekin]

For me as a remote worker the Wework part is amazing, saves me quite a bit

[@sophierenaude2164]

Hello. I am in London and we work has different prices for different locations. Do you know if the passes included in the ultra offers cover all the locations or if you have to pay an extra for the most expensive ones? Thank you!

[@joshmacdonald959]

Is it a full day pass you receive ?

[@YJ-ne8fx]

I live in London too, the Wework pass included in the ultra plan give you access to all £45 range locations, which is amazing cause London has so many of them. I was on metal plan and 1 pass per month wan't enough and wework pass is actually the main reason for my upgrade @@sophierenaude2164

[@bunkersurf2779]

@@sophierenaude2164 you received a dragon-pass I believe you can see what is allowed online.

[@TheMagnificentPear]

Just cancelled my gym subscription thats worth 65 EUR to switch to Ultra. Regular gym goers - if you are subscribed to a mid or high end gym, and if your gym is on Classpass, there is a good chance Ultra will be cheaper than the cost of your sub with all the extra benefits that come with it. edit: oh and subbed, amazing channel!

[@Monitodotcom]

Thanks for the feedback and the sub! That's an interesting take, I never considered the additional value it could provide for someone who already has a gym membership but can access it via ClassPass. ^Jonny

[@sterlish343]

But you only get 20 credits with Ultra?

[@TheMagnificentPear]

yeah man I didnt know how ClassPass worked before commenting, I canceled my cancel request after understanding how low 20 was :)) @@sterlish343

[@harrietxo2310]

@@sterlish343is a credit worth a singular visit?

[@razryn.u1YM0J4byXLb]

another high quality upload from monito, you deserve so much more recognition

[@Monitodotcom]

Thank you, I really appreciate that. ^Jonny

[@MbareDJ]

i think they have to change few things: the percentuage of the cashback (little bit higher), the investing transactions (only 10 is quite disappointing and get a better insurance for bankruptcy), a save accounts with a high percentuage interest rate like Apple saving accounts in the US, a Credit (not debit card) with earning the points just something like the amex memeberships points (you can turn the points in flight miles/ train miles ecc). when they do thus changes i will consider upgrade from my metal plan

[@Monitodotcom]

Couldn't agree more, I wish the cashback had been slightly higher - that would have been the icing on the cake for me. AMEX have a very unique business model and can offer greater rewards because they charge merchants higher interchange fees. Unfortunately, I can't see how Revolut can match that but it would be great if they could! ^Jonny

[@polkadotshillor]

I think everyone misses the bank rate. For UK this is up to 4.75% but unlike most banks, this is paid daily and is instant access. Therefore if you put £85k in there its pays for itself and still is competitive rate vs high street banks

[@guycocker]

Your calculations are off. Revolut Ultra is £540/year, so at 4.75% AER, you'd need roughly £11,400 in there per year to get that in interest. However, there are better interest rates currently available, and if you were anything higher than a basic rate tax payer, you'd have to pay tax on some or all of that interest. Best option right now if you wanted to pursue this route would be going for Trading 212's Cash ISA -- it offers 5.2% AER, returns aren't taxed, the ISA is flexible so you can withdraw and replace freely, and it's FSCS protected. 👍

[@YJ-ne8fx]

Love you made such a detailed comparison, thanks!

[@Monitodotcom]

Thanks for watching! ^Jonny

[@rorysineadoconnor2992]

Great information on the Revolut Ultra, thanks

[@Monitodotcom]

You're welcome, glad you found the video useful. ^Jonny

[@Fredrik-wb5ly]

I can't see the value in Ultra's price tag. You put emphasis on the subscriptions but Metal users received them too as a compensation for the general price increase this month. Except for ClassPass but I can't use it anyway because I am in the healthcare business. For a 50% decrease I would consider Ultra mainly for the ultra card which looks much better then the metal card. With those subscriptions included I think Metal by far is the most valuable plan Revolut has today. My question is was the Premium plan upgraded too? Can't find any information and nobody talks about the price increase and changes on KZbin. I live in Sweden but I think these changes must have been global.

[@Monitodotcom]

Thanks for your comment, I wasn't aware of any increase in price for Metal. Were you sent an e-mail or any correspondence you can forward to me? You raise a good point if Metal users receive access to partnerships then why would anyone use Ultra? I'm sure the access is only for existing Metal users only? Revolut seem to have kept any price increases low-key, as far as I can tell no changes have been made to the plans themselves, including Premium. ^Jonny

[@TheTaikaSoppa]

Wow, amazing contet! I just found your channel today. I ordered ultra plan from revolut today. Do you know they have this plan called ultra? And greetings from finland! 🎉

[@harrietxo2310]

That’s what he’s talking about haha

[@amiskyu]

hey. for international students, which banks/neo-banks would you suggest as a primary account (day-to-day transactions) and a secondary account (saving)?

[@Monitodotcom]

May I ask where you're based? ^Jonny

[@officialflorint]

Wise. Wise!

[@SpeedyDocDOCARMY]

@Monito In case I didn't say before, I managed to get my money back from my 'lost' savings pot from Revolut! I'll keep my Revolut Premium plan for now, but Metal and Ultra sounds to rich for my blood atm lol.

[@Monitodotcom]

That's so good to hear, glad the money is safe and sound. Did they ever give you any reasoning for the missing pot? ^Jonny

[@SpeedyDocDOCARMY]

@@Monitodotcom Not really must have been a glitch in the system or likely a software issue during an update to the account. I suspect it happened around the time I was trialling premium for the first time.

[@roberttaylor500]

My home page does not have lifestyle at the bottom. I've tried to logout and in again. I have rev 10 update.

[@Dylan-Blok]

Any thoughts on the global e-sim they recently added? Could it function as a reliable source of wifi while traveling in, say, Asia?

[@harrietxo2310]

If you look in the subreddit for Revolut many people have left reviews about it, I’ve seen mainly positive ones!

[@danielpeti3885]

I don’t think ultra has any standout feature for me. When I was travelling due to work mainly I took about 4 flights a month within Europe. I paid about £35 a year for a Mastercard account which gave me unlimited lounge access and airport fast track mostly at airports i used. Vienna Bratislava Budapest Munich Dublin. A decent insurance can cost about £60 a year. So all in all u can get benefits for about £100. Even the £400 cash withdrawal is generous enough with the basic package. As you explained we work pass only useful if you live in London for example. I don’t live there. All in all I think there are a lot better cards out there for a lot less. As it stands ultra has no value for me I will stick to my basic foc deal.

[@Monitodotcom]

Hey Daniel. Thanks for your great feedback. That's the issue with the account being so niche, some people just aren't going to see the value, or have a standout feature like you mentioned. I think Revolut desperately need to find more partners to cover more people and more markets. ^Jonny

[@santiagog95]

What's that Mastercard that you're talking about?

[@danielpeti3885]

@@santiagog95 premium Mastercard from a bank called Granit. Let me see if I can get you the link

[@RyeFleming]

I don't know why but I have revolut metal and I got £40 cashback within a week of using the card so it paid for itself.

[@nickf619]

I think if you see no value in the FT or Wework (which I don’t for either) then it gets harder to justify the annual fee, I can get FX FeeFree ATM withdrawals elsewhere, 10% cash back on hotels booked via stays looks good but then my hotel status I doubt would not be recognised as booked via a 3rd party, but great informative video

[@Monitodotcom]

Hey Nick! I couldn't agree more, the partnerships hold so much value and if you can't utilise them then it's difficult to justify the fee for Ultra, especially when Metal can provide plenty of value (fee-free currency exchange and high-value ATM withdrawal). I'm not sure I understand what you meant by hotel status not being recognised? Can you explain? ^Jonny

[@nickf619]

@@Monitodotcom So for example, if staying at any of the big chains (IHG,Hilton, Marriott etc) if you book through a third party the hotel does not honour any status benefits you may have, eg free breakfast/early check in /late check out etc, but that may be worth the 10% back on the cost booking through Revolut, depends if you value the status higher than a 10% rebate, depends on each scenario

[@jacke9760]

I don't think I travel enough nor use the available apps to warrant the Ultra, so will most likely just go with the metal card for now.

[@Monitodotcom]

That's a great shout, check out my video on the benefit/plan changes to Revolut Metal (kzbin.info/www/bejne/iYGUhqh9o8qSjpI), it's now even more worthwhile to go with Metal, there is so much value to be had. ^Jonny

[@AndereRickert]

The extra interest on a savings account isn't taken in consideration. There is a point where the extra interest is more than the cost per month, which makes it basically free. (Around €70k-75k) Edit: I just realised it's a year later, could be that it's added after the video.

[@Aieyz98]

hi, can Revolut be used in Malaysia?

[@Monitodotcom]

Yes it can. You can use Revolut anywhere that accepts Visa or MasterCard. ^Jonny

[@Aieyz98]

@@Monitodotcom thank you

[@TonyKeepingItClean]

Seems a bit steep for your average traveler. People love a shiny flashy card though. Revolut is a pretty good company though. I have a couple of accounts with them and I’m pretty happy with them.

[@Monitodotcom]

Glad to hear it Tony, my experience as well has been great with Revolut and it still remains my go-to travel card as it is so hard to beat! ^J

[@sophierenaude2164]

Super interesting thank you!

[@Monitodotcom]

Glad you enjoyed it!

[@einar2290]

Love your videos!

[@Monitodotcom]

Glad you're enjoying them! ^Jonny

[@dopejav]

I just had my account closed and they wouldn’t really tell me what is the reason behind that decision, considering that revolut is very nice for travel I am pretty sad for this to happened to me

[@Monitodotcom]

That is sad because it is so good for travel. Have you had any further updates since you posted this comment? Do you have any idea why they may have closed it? I hope it's just temporary. ^Jonny

[@louismiles2340]

how come you have 2 algbra cards in your apple wallet? is there some sort of hidden feature?

[@Monitodotcom]

Hey Louis. No hidden feature, I have multiple cards because my wife and I share cards and accounts so we can benefit from greater rewards. ^Jonny

[@acmramon]

@@Monitodotcomrecently i found out that the card limit on apple wallet is 16 😅 so i had to decide which ones stay out lol

[@Monitodotcom]

😂😂

[@mouradberkani9392]

I live in Uk , and want to buy a new car in Germany or Belgium and take it to North Africa. please tell me ,which bank card would be convenient and best to pay with?

[@houdini1791]

can you cancel ultra after 1 months?

[@Monitodotcom]

Technically you can but you will have to pay an amount of money. If you want to avoid any fees for cancelling or downgrading as Revolut call it, then you need to do so within 14 days. If you cancel Ultra within 14 day, you'll receive a full refund BUT that doesn't include the card. If you got the Ultra card, and you cancel, regardless of when, you'll have to pay £50 plus any delivery fee. You can read more here: www.revolut.com/legal/paid-plans/ (go to section 11).

[@akisvarveris1722]

Great job ❤!

[@Monitodotcom]

Thank you!! ^Jonny

[@J.P_343]

Hear me out...say you want to get a metal card without getting a Metal subscription, your only option, at least now is the 24K gold one at £80. What if you get a metal subscription, cancel it, pay the £40, do you get to keep the card? On T&S it states they only cancel the Plus and the Premium ones, nothing on the metal or ultra. Not the most ethical thing to do but hey.

[@Monitodotcom]

Hey JP. You're absolutely right, the cheapest way to get the metal card would be to upgrade to Metal, cancel within 14 days, get your refund for any subscription costs and pay £40 for the card. You can continue to use your Metal card, and that is the same with Ultra, I've done both. I've successfully used the metal and platinum cards without being an official Metal or Ultra user. ^Jonny

[@ricardoflopes5326]

You forgot about crypto coin users if like me depositing about 1k usd in btc a day the fees are alot less just thay pays the subscription of ultra

[@officialflorint]

I feel like you’d get so much more value from an AMEX platinum or something like that

[@Monitodotcom]

Did you see my video on AMEX? You could probably derive more value from Revolut with all the potential cashback, it could exceed the value of AMEX Membership Points. ^Jonny

[@eppsislike]

Those included apps with Ultra, you'll have these with Metal as well. So far, it's not really a great value.

[@Monitodotcom]

Are you referring to the subscriptions? So the FT, WeWork etc?

[@js_filming7701]

Well call me silly, but i had Ultra for 5 days just to get this card LOL. Pretty useless but pretty sexy as well haha

[@Monitodotcom]

😂😂

[@justfar94]

I was tempted to do this myself! Thank God i'm not alone. Haven't done it yet though, was just still considering it - now that you have the experience, a couple of questions before i go ahead lol. Sign up for Ultra to get the card and cancel will only cost you the cost of the card and postage fee right? ...and will the card continue to work after cancelling Ultra, using the current plan's benefits you downgrade to? I'm a card collector, so i'll try to get my hands on any card I can get, the thing is that since i'm not from the UK (from EEA)...some options i can't get my hands on...like the Revolut Poppy Card, can't make a donation to the Royal British Legion...that's just one example. If you're a collector yourself any recommendations on what cards I can get? (Currently have around 37 active cards in my name...now you're not the silly one anymore 😂😂)

[@js_filming7701]

@@justfar94 Oh wow haha. Well im not really collecting cards but i like shiny ones. And yeah, its still working. I checked with support, it will work since it expires. All around it cost me like 60-70€..... So go for it!

[@maxt.8746]

wow i’m a youtuber with over 300k subs & your video quality is super impressive u should have way more tbh. what do you even edit with i’m so impressed? 😭

[@Monitodotcom]

Hey Max! Can't tell you how much I appreciate your comment, although I'm sure you already know just how motivating comments like this can be. I edit in AfterEffects, I begin by cutting the a-roll (talking head) in PremierPro before bringing it into AE and animating. I used mostly KZbin to teach myself and drew inspiration from channels like SunnyV2, Vox, Ali Abdaal and Peter Mckinnon's use of 120fps for shooting B-roll. Thanks again and congrats on the channel, we aspire to be where you are one day. ^Jonny

[@robertolira9843]

Very disappointing with Revolut Ultra card , triued to withdraw £100 pounds from local cash machine and ATM provider main stream wanted £3.99 fee. I used my HSBC at same ATM no fee. I am going to cancel my Ultra card subscription. Its a Cone this card.

[@Nexodon]

Scam ATMs (like Euronet) only charge foreign cards. Revolut is a lithuanian bank, so if you're not in Lithuania you get charged.

[@miket2394]

For us OG asians, there is also Ultraman!!!

[@xrpossitive]

the fee in crypto is a lot lower and you did not even mention that ???????

[@Sadie-e4t]

Is it lower than the metal plan?

[@portman8909]

I just order physical card as a back up in case my phone fails.

[@deezim]

I’m very disappointed. Made a claim on the travel insurance and I’ve been waiting over a month for a response. Reaches out to the company chat which is very good but they will take no responsibility they keep saying it’s the insurance provider and not them. While I appreciate this I feel like no one wants to assist me. I will be going back to Metal next year

[@Monitodotcom]

Thank you for sharing, that's unfortunate. Am I right in asking that the travel insurance claim you made is under the 'cancel for any reason insurance' that comes with Ultra? ^Jonny

[@GAFO777]

Im not interested in ultra unless we see something like Miles&More

[@tjmoore0802]

Metal £14.99 a month now

[@Monitodotcom]

Yup, definitely an okay increase given the added benefits.