Revolut Metal - Free(..ish) for 3 Months (Vodafone Happy)

Thought this was quite decent with Vodafone.

T&C's:

For new Revolut Metal customers only.

To be eligible for the offer, customers need to upgrade to a Metal plan and remain on the Metal plan for a minimum of 3 months.

The €50 welcome bonus will be paid in the following month.

IE residents only.

Available to new and existing Revolut customers.

Revolut Bank UAB is authorised and regulated by the Bank of Lithuania in the Republic of Lithuania and by the European Central Bank and is regulated by the Central Bank of Ireland for conduct of business rules. AER = Annual Earning Rate. Revolut Metal is a paid plan charged at €15.99/month.

See full T&Cs here: https://www.revolut.com/en-IE/legal/metal-plan-promotion/

So Metal is €15.99 / month and you get your bonus of €50 after 3 months.. so it's seems pretty much free, right?

Right?

However, if it seems too good to be true.. well, I do think there is a "break fee" if you cancel a plan within 12 months but can't find specifics. It may just be the cost of the subscription for a final month - as below:

Fees for downgrading your Metal subscription

You can end your Paid Metal Plan subscription at any time (we call this a downgrade). However, you may have to pay a fee. You'll still be able to benefit from the services you get for your subscription until the end of the billing cycle you have paid a subscription for, excluding any break fee. So if you pay your subscription monthly and decide to downgrade, you’ll be able to keep using the subscription within the month that you’ve already paid for; if you pay annually, you’ll have access to your subscription until the end of that annual billing cycle. After then, you'll become a Standard user again (a personal account holder who does not pay a subscription for the Paid Plan service).

EDIT: Ah, just found this here..

If you downgrade after 14 days but within 10 months for any other Paid Plan customers

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription. We'll also charge a break fee equal to two months' subscription. This is a break fee and you will not be able to benefit from the services for an additional two months, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

So you probably need to weigh up if the extra €30 for a break fee, provided you get the €50 bonus, is worth it for the 3 months.

Might still be worth it especially with some of the benefits including the sleek metal card and..

Withdraw up to €800 per month with no additional fees

Unlimited currency exchange with no additional fees, including on weekends

Earn up to 2.5% AER (variable) interest on your savings

Save 40% on international transfer fees

Subscriptions with selected partners

Covered for winter sport, travel, car hire, and personal liability

Earn RevPoints on everyday card purchases

Discounted airport lounge access

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