Revolut RevPoints: debit account, costs and limits

Plans and earning

Current German plan comparison

Checked against Revolut’s German pricing and RevPoints terms on 30 August 2026.

RevPoints exclude several categories, including many taxes, utilities, education, gambling, charities and cash-like transactions. Points expire after three years and have no cash value.

FX and transfers

Foreign exchange still has rules

Standard and Plus have monthly fair-use allowances and weekend surcharges under the current German fee schedules. Premium, Metal and Ultra remove those specific limits, but Revolut still uses its own variable exchange rate. Check the app’s displayed conversion before paying.

Transfer availability is account-specific

Revolut advertises airline transfers at up to 1:1; the exact partners and rate shown in your app control. Find a bookable award and check fees before transferring. A transfer is normally irreversible.

When it fits

It can fit when

• You already want the plan’s banking and travel features at its regular price.
• Your eligible debit-card spend occurs naturally.
• A transfer partner available in your app serves a specific redemption.

Skip or downgrade when

• You would subscribe mainly to earn points.
• Most of your spend falls into excluded categories.
• You need credit, deferred payment or a fixed cash value for rewards.
• Your expected points do not cover the incremental plan fee at a conservative valuation.