These Personal Fees (Metal) were updated on 15 January 2026 and apply to all new Metal plan users who joined on or after 15 January 2026. Any changes that apply to the deprecation of cashback will be waived and the previous version of the Personal Fees (Metal) - Terms and Conditions will continue to apply until 14 February 2026.
If you are an existing Metal plan user who joined before 15 January 2026, the previous version of the Personal Fees (Metal) (available here) will apply to your account until 14 February 2026.
Subscription
Subscription fee
Subscription type | Payment frequency | Fee |
Metal account annual subscription | Paid monthly | NZ$22.99 |
Paid annually | NZ$229 |
Add money
From | Fee |
Bank accounts in NZ | NZ$0 |
Prepaid / Debit Cards issued in NZ | NZ$0 |
Credit / Corporate Cards issued in NZ | Up to 1% of the transaction amount |
Prepaid / Debit / Credit Cards issued outside of NZ | Up to 2% of the transaction amount |
Corporate Cards issued outside of NZ | Up to 2.5% of the transaction amount |
*Includes physical cards and card top-ups via Apple Pay and Google Pay.
Cards
Card fees
Card type | Number of cards | Fee |
Revolut Card* | First Revolut Card (including Metal Card) | NZ$0 |
Second Revolut Card | NZ$0 | |
Additional Revolut Metal Card(s) This includes replacements for lost or stolen cards. | NZ$79.99 | |
Additional Revolut Non-Metal Card(s)** Your Additional Revolut Card at no additional cost can be a:
This includes replacements for lost or stolen cards but it does not include Special Edition Cards. | NZ$24.99 per card (Plus or Premium card) NZ$8.99 per card (Standard card) | |
Revolut – Kids & Teens Card | First Revolut – Kids & Teens Card | NZ$0 |
Second Revolut – Kids & Teens Card | NZ$0 | |
Additional Revolut – Kids & Teens Card This includes replacements for lost or stolen cards. | NZ$24.99 Delivery fee also applies. | |
Joint Account Card ** | First Joint Account Card | NZ$0 |
Additional Joint Account Non-Metal Card(s) This includes any replacements for lost or stolen cards. | NZ$24.99 | |
Additional Joint Account Metal Card(s) This includes any replacements for lost or stolen cards. | NZ$79.99 per card | |
Virtual Revolut Card | Per card | NZ$0 |
Single Use Virtual Revolut Card | Per card | NZ$0 |
*Your Revolut Card can be a Metal Card, Premium Card, Plus Card or a Standard Card but you are only entitled to one Metal Card at no cost. If you do not want a Metal Card, you may instead choose two Non-Metal Cards which can each be a Premium Card, Plus Card or a Standard Card.
** Your Joint Account Card can be a Metal Card, Premium Card, or a Standard Card. Your Joint Account Card allowance resets to zero when you open a new Joint account.
Card feature fee
Feature type | Applicable card type | Fee |
Card Personalisation | Revolut Card | NZ$0 |
Delivery fee
Delivery type | Fee |
Express Delivery | NZ$0 |
Spend
ATM withdrawals
ATM withdrawal type | Withdrawals per monthly billing cycle | Fee |
Revolut Card ATM Withdrawal Note: the ATM provider may still charge a fee to you for making an ATM withdrawal. | Up to NZ$1,400 (the Metal ATM Withdrawal Allowance)* | NZ$0 |
Any amount over the Metal ATM Withdrawal Allowance | 2% of the value of the ATM withdrawal | |
Revolut – Kids & Teens Card ATM Withdrawal Note: the ATM provider may still charge a fee to you for making an ATM withdrawal. | Up to NZ$300 (the Revolut – Kids & Teens ATM Withdrawal Allowance) | NZ$0 |
Any amount over the Revolut – Kids & Teens ATM Withdrawal Allowance | 2% of the value of the ATM withdrawal For example, withdrawing NZ$100 over the Revolut – Kids & Teens ATM Withdrawal Allowance of NZ$300 will incur a NZ$2 fee. |
* If you’ve a Joint account, withdrawals from your Joint account are included in your Metal ATM Withdrawal Allowance.
Send
Transfer type | Fee |
Transfers to other Revolut users | NZ$0 |
NZD transfers to bank accounts in New Zealand | NZ$0 |
Transfers made using the “Pay all Fees” feature | Fee varies based on what currency you are sending and where you are sending it to. Fee is disclosed in the Revolut App prior to making a transaction and in the Currency Transfer Fees Section (Metal).* |
All other transfers, including:
For example, sending a payment in GBP to a UK bank account, or sending a payment in NZD to a UK bank account | Fee varies based on what currency you are sending and where you are sending it to. Fees are disclosed in the Revolut App prior to making a transaction and in the Currency Transfer Fees Section (Metal) Note: intermediary and receiving banks may also impose a charge on the recipient. |
* If you’ve a Joint account, the fees associated with fiat currency transfers from your individual account also apply to fiat currency transfers made from your Joint account.
Exchange
When you initiate an exchange in the Revolut app we'll use a variable exchange rate.
You may be charged a percentage based exchange fee.
You will always see the exchange rate and any applicable fees in the Revolut app prior to making a transaction.
Fair Usage Limits
Type | Exchange Limit* |
Revolut – Kids & Teens fair usage limit | No limit per monthly billing cycle |
Metal account exchange fees
Exchange type | Fee |
Fiat currencies | NZ$0 |
Precious Metals | 0.49% of the value of the exchange. Subject to a NZ$1.00 minimum fee. |
Please note that any exchanges relating to precious metals will be charged the highest applicable exchange fee.
Metal account cryptocurrency exchange fee
The following transactions will be excluded from total purchase and sales:
- exchanges between commodities and crypto assets; and
- spare change round ups.
If you make an exchange that results in you moving up to a new fee tier, the fee that applies to that exchange will be the fee of the tier you are currently on, not the lower fee that applies to the new tier.
Crypto Spend Tiers (denominated in NZD) | Fees |
NZ$0 - NZ$109,999.99 | 0.99% |
NZ$110,000 - NZ$225,000 | 0.79% |
NZ$225,000 - NZ$550,000 | 0.49% |
NZ$550,000 - NZ$1.1m | 0.19% |
NZ$1.1m - NZ$2.2m | 0.09% |
NZ$2.2m and above | 0% |
Please note that any exchanges relating to crypto assets will be charged the highest applicable exchange fee.
Revolut – Kids & Teens Account Exchange Fees
Exchange type | Amount | Fee | NZ$500 example |
Non-NZ Revolut – Kids & Teens Card transactions | Within the Revolut – Kids & Teens Fair Usage Limit | NZ$0 | NZ$0 |
Cancellation and Variation
Cancellation and variation fees
Cancellation period | Subscription paid monthly | Subscription paid Annually |
Within 14 days |
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Between 14 days and 10 months |
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More than 10 months |
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* The cost of a Metal Card is NZ$79.99, and the cost of express delivery is NZ$33.99.