Top Picks Premium Accounts
When evaluating personal premium accounts offered by neobanks, it's important to consider features such as international travel benefits, insurance coverage, fee structures, and additional perks. Here are some neobanks known for offering valuable personal premium accounts:
1. Revolut Premium/Metal
Premium Features:
- Travel Insurance: Comprehensive travel insurance, including medical coverage and flight delay insurance.
- Airport Lounge Access: Free lounge access for delayed flights and discounted access otherwise.
- Unlimited Foreign Exchange: No fees on foreign exchange up to a certain limit.
- Cashback: Cashback on purchases (1% outside Europe, 0.1% in Europe for Metal users).
- Priority Customer Support: Faster response times and dedicated support.
- Disposable Virtual Cards: Additional security for online purchases.
Pricing:
- Revolut Premium: £6.99/month.
- Revolut Metal: £12.99/month.
2. N26 You/Metal
Premium Features:
- Travel Insurance: Comprehensive travel insurance including medical, flight delay, and baggage delay insurance.
- Free ATM Withdrawals: Unlimited free ATM withdrawals worldwide.
- Partner Discounts: Exclusive offers and discounts from partner companies.
- Dedicated Customer Support: Priority support with faster response times.
- Customizable Spaces: Sub-accounts for better financial management.
Pricing:
- N26 You: €9.90/month.
- N26 Metal: €16.90/month.
3. Bunq Easy Bank/Easy Bank Pro
Premium Features:
- Tree Planting: Bunq plants a tree for every €1000 spent with a Easy Bank account.
- Interest on Balances: Earn interest on your account balance.
- Multiple Sub-Accounts: Create up to 25 sub-accounts with unique IBANs.
- Travel Benefits: Includes travel and purchase protection insurance.
- Advanced Security Features: Enhanced security options including dual PINs and budgeting features.
Pricing:
- Bunq Easy Bank: €3.99/month.
- Bunq Easy Bank Pro: €9.99/month.
- Bunq Easy Bank Pro XL: €18.99/month.
Conclusion
The value of a personal premium account depends on your lifestyle and financial habits. Here are some recommendations based on different needs:
- Frequent Travelers: Revolut Metal and N26 Metal offer excellent travel insurance and international benefits.
- Tech-Savvy Users: Revolut Metal provides a combination of travel insurance, interest on Savings, and financial insights.
- Sustainability-Conscious Users: Bunq SuperGreen is ideal for those looking to make an environmental impact with their spending.
- Budget-Conscious Users: Revolut Metal offers many premium-like features with a low monthly fee, making it a cost-effective option.
Consider the specific features and benefits that align with your needs and compare the costs to determine which premium account offers the most value for you.