Revolut should probably dump the insurance in general, local banks are much better placed to offer relevant insurance to people than Revolut could ever be.
I’d up the travel perks, uncap the cashback abroad, work out some sort of points system if cashback increases domestically aren’t feasible, change the spending with a merchant perks to automatic, not opt-in. Roll out some form of “Revolut Abroad” where you can easily interact with your life in other parts of the world (phone top-ups with a preferential rate etc)
Integrate loyalty with Revolut Flights or whatever it’s called. I am not really interested in booking through anything bar British Airways, because I want to keep and maintain loyalty within a single brand
4.75 interest is also terrible for a paid product in Britain, I have a regular account paying me 8% and there are free accounts easily available paying 5%+
10 commission free trades is kinda a joke, when they used to be unlimited (or a very high limit) on metal, there are many free brokers in the EEA/UK already so I don’t see why I’d shoot myself in the foot and a) have to work in USD (exposing myself to FX risks) and b)screw myself on the fees to begin with via Revolut
There are probably more points I could make, but off the top of my head: Ultra is a product made with 0 consultation with anyone who would actually buy it, because there is no one that would. The things offered are a mash-up of different consumers so no one will want the full set
Tinder and the Financial Times subscription? Deliveroo Silver? I promise you a single person on Tinder can’t make enough order value to touch free delivery on Deliveroo Silver, although maybe they would be interested in the financial times subscription. Picsart is a subscription that I don’t think I’ve ever heard of anyone paying for and sleep cycles for single people (even those who are highly busy) are mainly regulated by an alarm and self-discipline. Classpass, don’t know enough about it. But FT Premium/Tinder/Deliveroo is a massive meme
I get the inclusion of a VPN, but I’d probably pick one that makes a point of being very good in a market that businessmen might travel to, instead. I would (if I were keeping the insurance, which I wouldn’t) probably also cover business travel and try and get some status either with an airline or with a hotel chain (preferably both) included in with the subscription, like American Express do.