Deliveroo Plus is now attached to Metal: Uk.
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Yeah, but that service isnât available in all countries, at least they donât offer services in Spain anymore
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But itâs only a silver level deliveroo subscrption.
Trying to order for 1 person for over âŹ25 to get free delivery is basically worthless. It needs to be a gold level subscription provided with metal or deliveroo should let you redeem your silver subscription from revolut and pay the difference in plan prices to upgrade to deliveroo gold which it wonât currently let you do.
As someone with a deliveroo gold subscription who uses deliveroo regularly this revolut perk saves me âŹ0 which is extremely disappointing.
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No use to a single person looking for a takeaway, but someone housebound or a family might make use of it for a weekly shop.
Not all perks suit everyone.
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They might but I donât speak for them, I can only give feedback from the perspective of my own circumstances.
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@endernull Thank you for your suggestions. Weâll definitely consider it for our next update. 
@gruser Thank you for your feedback. We understand your disappointment with the Silver level Deliveroo subscription. We will consider your suggestions for improvements. 
Veda | Community Team
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I was super happy to see car insurance and Iâm signing up for it.
Would definitely like to see more insurance options as most of it is geared towards travelling (which is great, donât get me wrong).
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@kdaly Hello, Welcome to the community. 
Thanks for your excitement about our car insurance! Weâre expanding our insurance options, and your feedback will be considered. Enjoy your new policy. 
Veda | Community Team
Prioritised list:
- More digital nomad-friendly insurance options - the current options are useless for frequent travellers, which are your main target customers, as terms are limited to flying from and back the country of residence, same with the health insurance and worldwide car excess (look at genki.world or worldnomads.com)
- Better cashback in Europe
- Credit cards in the UK
- Apple One or at least Apple Music subscription
- Joint accounts between the UK and EU residents
- Better fitness subscriptions (for example, Pliability app rather than Freematics, MyFitnessPal)
- Education apps subscriptions (maybe something from Duolingo Premium, Pimsleur, Audible, Yousician)
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While this is a fun list which I fully support, I would have two questions:
How do you expect Revolut to fund cashback in Europe? Revolut currently earns 0.2% interchange for every transaction in Europe. What cashback do you expect? Itâs unlikely that Revolut will fund this with account fees. Big spenders would end up costing Revolut, and other customers would fund the cashback for wealthy clients with their fees. Kichbacks from brands might be an option, but that would be very selective.
And secondly, joint accounts between legal entities are very unlikely. Revolutâs joint accounts are real shared accounts, where both account holders are legally the owners of the account. Revolut would have to find a way how foreigners without residency permit can become account holders in a region where said person can not open a personal account at all. Revolut would have to build maybe a âshared account lightâ that somehow settles a coupleâs shared spending in the background with transactions between two accounts or something like that. Sounds like a product ownerâs nightmare. 
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I agree, for Cashback an other neobank is doing it for transports (2%) and restaurant (1%) itâs up to 500⏠per year but itâs probably included in Marketing costs.
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@Frank, I appreciate your valuable insights.
Similar arguments can be made about users inadvertently funding subscriptions they may not actively use. Itâs worth noting that my wish list wasnât analysed from Revolutâs financial perspective, given my lack of access to their revenue or user spending data.
One potential approach to address the cashback dilemma could involve introducing transaction limits. Beyond these thresholds, Revolut could consider adjusting cashback rates to maintain profitability.
I understand that joint accounts across different entities are tricky. But Revolut has tackled tough stuff before.
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Revolut already limits cashback to the total amount of the plan fee (with the exception of cashback for Pro, which is a business debit card that is not affected by the interchange regulation).
The difference between benefits and cashback is that itâs way harder to predict. All âpackage dealsâ like Metal and Ultra are based on the assumption that not every subscriber will fully use all benefits. Thatâs also the nature of the insurance business. Where it gets tricky for me is the question: would you want to cross subsidise cashback with subscription fees? That way, a bank incentivises their wealthier clients that are able to spend more, and banking becomes more expensive for customers that arenât that wealthy and simply canât profit from this to the same amount. You donât have that dilemma when the spending itself generates the cashback.
This NY Times essay is unfortunately behind a paywall, but it is an interesting read. https://www.nytimes.com/2023/03/04/opinion/credit-card-rewards-points-poor-interchange-fees.html?searchResultPosition=3
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