Revolut Premium – Test & Review (2024)

Revolut Premium account : The Best Revolut account!

Revolut offers 3 types of multi-currency account in Switzerland:

According to our Test & review of Revolut, the Premium account has the best value for Swiss residents among all Revolut plans.

For a quick overview : compare Revolut Standard vs Revolut Premium

Revolut Premium pricing

The Revolut Premium plan costs 10.99 CHF/month.

Revolut Premium card

The Revolut Premium account comes with 2 free cards (instead of one with Revolut Standard).

The Premium card feels more plus “high level” and you can choose the color, but that’s still plastic!

Delivery is free, using Express.

The Revolut Premium card is free when used as payment method, that means for online shopping and mobile payments. There is no fee for payment in foreign currencies and Revolut applies the Interbank exchange rates without adding any extra fee or commission.

Cash withdrawals are capped at 400 CHF per month, then a 2% surcharge applies.

Bank transfers in Switzerland in CHF

No fee if the main currency of your Revolut account is CHF and if you pay in CHF another account based in Switzerland.

SEPA transfer fees in EUR

Like most neobanks, Revolut Premium offers free SEPA transfers in EUR within the SEPA zone. You can create a SEPA payment within seconds from the app.

International SWIFT payments

With Revolut Premium, you get 1 free transfer each month, then you pay 3 CHF per transfer is the payment is in USD, otherwise it’s 5 CHF for any other currency.

Frais de change sur les virements multi-devises

Unlike Revolut Standard, you get unlimited no-fee currency exchange with Revolut Premium.

But there is a 0.5% surchage for multi-currency transfers initiated on week-ends and UK bank holidays. Revolut says that they need to cover the risk while markets are closed.

Instant transfers

Similar to Beam with N26, you can transfer money instantly from a Revolut account to another Revolut account. That type of transfer is really instant and free. whatever the currency and the country.

See the Revolut pricing on their website.

Why choose a Revolut Premium plan

Revolut Premium is cost-effective if:

• You need to withdraw more than 200 CHF per month = 4 CHF saved for 400 CHF withdrawn
• You need to exchange more than 1,000 CHF per month = 5 CHF saved for an extra 1,000 exchanged

If you are a regular Revolut user, it is recommended to take advantage of the Premium plan because it becomes profitable after a few transactions.

In addition to potential savings, Revolut Premium offers the following services:

• Overseas medical insurance
• Delayed baggage and flight insurance
• 24/7 priority customer support
• Cartes virtuelles éphémères
• Free lounge access with SmartDelay for flights delayed more than 1 hour
• Revolut Junior for 2 children

Most of these advantages are interesting if you travel frequently and don’t have an American Express card.

About Revolut Junior

With Revolut Premium you can have 2 children on Revolut Junior. If you need more you have to upgrade to Revolut Metal. This feature allows you to create a sub-account for a child aged 7 to 17 and receive card for each of them.

There are currently too few features within Revolut Junior. It’s more like a Space but not like a child account: you can’t set limits on the use of the card. Tat means that your child can spend the full balance available of the Junior account.


Revolut Junior accounts are not multi-currency. That means that your child will not be able to use the card while travelling, the same way you do with your Revolut card.

The only interesting feature is the “Weekly allowance” that allows you to transfer a fixed amount on a weekly basis