The five year number
Five years of Revolut comes to £239.40 on Plus, £479.40 on Premium, £899.40 on Metal, or £2,700 on Ultra paid annually. Prices verified from Finder UK's Revolut review because Revolut's own pricing pages block automated access. Check revolut.com before quoting these figures back at anyone. Verified 21 July 2026.
Year by year
| Time held | Revolut | Delphina |
|---|---|---|
| After 1 year | Revolut£0 on Standard, £47.88 on Plus, £95.88 on Premium, £179.88 on Metal, or £540 on Ultra paid annually | Delphina£119.88 |
| After 3 years | Revolut£143.64 on Plus, £287.64 on Premium, £539.64 on Metal, or £1,620 on Ultra paid annually | Delphina£359.64 |
| After 5 years | Revolut£239.40 on Plus, £479.40 on Premium, £899.40 on Metal, or £2,700 on Ultra paid annually | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Prices verified from Finder UK's Revolut review because Revolut's own pricing pages block automated access. Check revolut.com before quoting these figures back at anyone.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Weekend and out of hours currency exchange carries a markup on top of the plan fee
- Hidden cost: Each plan has monthly exchange and ATM limits, and exceeding them is charged
- Hidden cost: Perk heavy plans only pay for themselves if you claim the lounge access and insurance
Figures based on Revolut’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For people who spend or move money across currencies and travel often, that is a fair price. Best in class currency exchange and multi-currency accounts. Very high App Store rating from over a million UK ratings, an unusually large sample.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Revolut pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Revolut is a bank and a very capable one for travel and currency, and comparing it with a planning tool is only half fair. Delphina does not hold your money or exchange it. What it does is model UK pensions, ISAs and tax over decades, which Revolut has never set out to do. Most people who use Delphina keep their Revolut account.
More on Revolut
Revolut: common questions
It is worth it for people who spend or move money across currencies and travel often. It is a poor buy for anyone who needs revolut's own pricing pages block automated access, so plan prices are harder to verify than they should be, because that is not what it is built to do.
3 things are not on the pricing page: weekend and out of hours currency exchange carries a markup on top of the plan fee; each plan has monthly exchange and atm limits, and exceeding them is charged; perk heavy plans only pay for themselves if you claim the lounge access and insurance.
£120 a year on Ultra, paying £540 up front instead of £55 a month, via annual billing. Pay for twelve months of Ultra in advance.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.